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Best Credit Repair Companies in Waterbury

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BSN Successful Financial Services logo

BSN Successful Financial Services

1000 Lafayette Boulevard Suite 1100, Bridgeport, CT 06604
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  • Credit Monitoring

BSN Successful Financial Services has been serving clients in Waterbury for more than 10 years. It offers credit repair services that help individuals regain financial security. The company also removes negative items from credit reports, including student loans, medical bills, late payments, bankruptcy, and repossessions. Owner Sharonda Nicholson combines credit repair services with educational resources to help clients achieve their financial goals. She also helps entrepreneurs build business credit to ease the process of obtaining financing.

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F&V Enrichment Services LLC. logo

F&V Enrichment Services LLC.

Bridgeport, CT
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  • Credit Monitoring

F&V Enrichment Services LLC. caters to the residents in Waterbury in boosting their credit scores. Its professionals review bureau reports on clients' bank accounts to identify obsolete and erroneous entries such as student loans, hard inquiries, and late payments. They offer options such as filing complaints with the appropriate agencies. They give users access to an online portal where they can follow updates and receive reminders about their credit repair. The company also provides resources to educate consumers on how to develop positive credit.

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Hartford Credit Repair logo

Hartford Credit Repair

Hartford, CT 06101
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  • Credit Monitoring
  • Credit Audit

Hartford Credit Repair serves individuals in Waterbury and the surrounding areas. Its credit counselors assist clients in improving their credit scores by legally disputing and challenging inaccurate, erroneous, and obsolete information from credit profiles, helping them get better purchasing power, improve job opportunities, and lower finance charges on credit card balances and loans. Hartford Credit Repair offers its services 24/7 and educates clients to be more empowered to build and maintain their good credit standing.

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JDR Credit Solutions logo

JDR Credit Solutions

Naugatuck, CT 06770
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  • Credit Dispute

JDR Credit Solutions helps individuals in Waterbury and the surrounding communities improve their credit scores. Its case analyst and advisor reviews each customer's credit reports, recommends ways to enhance their standing, and delivers personalized dispute options. It works with credit bureaus and creditors to challenge negative report items that affect a client's score. It also provides live updates on improvements to credit reports and scores through an online dashboard. In addition, the company coaches clientele on maintaining and sustainably improving their credit ratings.

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National Credit Fixers logo

National Credit Fixers

281 Hartford Tpke Suite 500, Vernon, CT 06066
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  • Credit Dispute

National Credit Fixers has been serving individuals and business owners in Waterbury and the surrounding areas since 1996. The company offers a comprehensive and individualized system of credit repair and works with clients to determine which methods will work best based on their credit reports. It also removes inaccurate or unverifiable items from businesses' reports. National Credit Fixers also offers a program that builds credit for businesses without the owner having to issue a personal guarantee on its behalf.

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NovaStar Credit Repair logo

NovaStar Credit Repair

​100 Madison rd, Glastonbury, CT 06033
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NovaStar Credit Repair is a financial services company that serves clients in Waterbury and the surrounding areas. It assists individuals in obtaining healthier credit profiles and improving their scores. Its team examines clients' case status to enable them to design personalized options to fix specific credit errors. The firm also sends custom dispute letters on clients' behalf. NovaStar Credit Repair partners with tax professionals, auto dealers, attorneys, real estate professionals, and mortgage specialists.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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