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Best Credit Repair Companies in Boulder, CO

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Boulder Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

720 S. Colorado Blvd Penthouse North, Denver, CO 80246 Rating

Review Sources

5.0 (1)

Why choose this provider?

Peak Credit Solutions, LLC, caters to individuals in the Boulder area. Its credit repair service helps people raise their credit scores so that they can get loans with lower interest rates and smaller monthly payments. The company works with creditors and the major credit bureaus to challenge negative items in reports. These include medical bills, student loans, repossessions, and foreclosures. Clients can also learn more about credit management and monitor their scores 24/7 through the firm's mobile app.

  • Credit Dispute

80 Garden Center STE 46, Broomfield, CO 80020
Website Rating

Review Sources

5.0 (4)

Why choose this provider?

Loan Ready Credit offers services to clients throughout Boulder and the neighboring cities. The company provides credit repair services to help clients optimize their credit scores and achieve their financial and homeownership goals. Its team also guides individuals in understanding their rights to fight for the inaccuracies and non-verifiable information in their credit scores. Loan Ready Credit also supports the environment by providing eco-friendly solutions, such as using online forms and applications instead of paper.

  • Credit Monitoring
  • Credit Dispute
  • Debt Consolidation

7175 W Jefferson Ave Suite 4500, Lakewood, CO 80235 Rating

Review Sources

3.5 (51)
4.9 (41)

Why choose this provider?

Integrated Loan Assistance is a credit repair company that assists clients in Boulder and the surrounding communities in obtaining the necessary financial assistance. Its team eliminates credit-based loan application denials by removing negative items such as charge-offs, late payments, collections, and foreclosures from the application. The firm also removes bankruptcies, judgments, and tax liens from its clients' financial records.  Integrated Loan Assistance has worked to boost the credit scores of more than 10,000 individuals and businesses.

  • Debt Consolidation
  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Peak Credit Solutions LLC
720 S. Colorado Blvd Penthouse North, Denver, CO 80246
Loan Ready Credit
80 Garden Center STE 46, Broomfield, CO 80020
Integrated Loan Assistance
7175 W Jefferson Ave Suite 4500, Lakewood, CO 80235


  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    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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