Expertise.com Homepage

2024

Last updated:

Best Credit Repair Companies in Danbury, CT

Our Recommended Top 4

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 Danbury 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.

63Reviewed

39Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Danbury, CT

Expertise.com Rating

Review Sources

Google
4.8 (6515)

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

  • Credit Repair
  • Money Back Guarantee
  • Credit Audit
  • Credit building
  • Credit Restoration

Danbury, CT

Expertise.com Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Danbury? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

Naugatuck, CT 06770

Expertise.com Rating

Why choose this provider?

JDR Credit Solutions caters to individuals in the Danbury area who want to improve and maintain their scores. The firm evaluates its clients' reports and challenges inaccurate negative items, including tax liens, judgments, late payments, repossessions, and bankruptcies. Its team also writes and submits dispute letters to credit bureaus on behalf of customers. The company prepares the documentation needed for the credit agencies. The clients of JDR Credit Solutions receive live status updates on the improvements of their credit reports and scores.

  • Credit Dispute

4348 Carpenter Avenue, Bronx, NY 10466

Expertise.com Rating

Review Sources

Facebook
4.6 (11)

Why choose this provider?

Alto Credit is a full-service credit repair and restoration company serving individuals throughout Danbury and its surrounding communities. Its credit counselors cater to both English- and Spanish-speaking communities, assisting clients in restoring their credit ratings through thorough personalized analysis of all credit reports and scores. They also create a custom action plan to challenge or remove unverifiable or inaccurate information in credit histories. The agency also holds educational consultations so clients can be more empowered to improve their creditworthiness and maintain their good credit standing.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Danbury, CTFree Credit Evaluation
JDR Credit Solutions
Naugatuck, CT 06770
Alto Credit
4348 Carpenter Avenue, Bronx, NY 10466

FAQs

  • 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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...