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Best Credit Repair Companies in Denver, CO

Sept. 30, 2019, 4:04 p.m.

Credit score is an important indicator of customer reliability to lenders, car dealers and landlords. Low scores stand in your way, denying you that low-interest loan. Credit repair companies can help. They can undo inaccurate and damaging information from your credit report, driving up your score. But it’s important to know which companies you should trust. Our partners at ConsumerAffairs researched the best credit repair in Denver.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. Denver7 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Credit Saint

Trusted leaders in credit repair for a reason!

VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#1 MOST POPULAR
Credit Saint
Credit Saint
Features
  • Personal advisors
  • Available in Denver
  • Full credit restoration
  • 3 reports every 45 days
Read More
VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#2
Lexington Law
Lexington Law
Features
  • Available in Denver
  • Friends & family discount
  • Services start at $89.95
  • 24/7 online monitoring
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VISIT WEBSITE
CALL LEXINGTON LAW
(855) 620-5873
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#3
The Credit People
The Credit People
Features
  • 32% avg. increase in credit score
  • Get started for just $39
  • Available in Denver
  • Credit scores & reports included free
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VISIT WEBSITE
CALL THE CREDIT PEOPLE
(877) 696-3650
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#4
The Credit Pros
The Credit Pros
Features
  • Easy-to-read reports
  • $99/month for individuals
  • Available in Denver
  • $159/month for couples
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VISIT WEBSITE
CALL THE CREDIT PROS
(844) 441-1397
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Credit repair in Denver

Denver Skyline

One in five Americans has inaccurate, unfair or unverified information on their credit report, which can negatively impact their score. Credit repair companies can help consumers find and remove these mistakes from their report, putting their score back on track.

A low credit score impacts big financial decisions, so if there are mistakes on your report, you may have trouble with:

  • Purchasing a home or refinancing your current mortgage. In Denver, buying a house is a competitive process. Having a low credit score can hurt your chances of getting the home you want.
  • Completing a rental application as landlords often run a credit check
  • Applying for a new job since some employers check your credit history
  • Making large purchases that require a credit check, including a car or boat
  • Getting a better interest rate on new credit cards or loans
  • Receiving a higher limit on credit cards

Getting credit repair services in Denver

In Denver, the average credit score is 687, consistent with the national average and scores across the state of Colorado. If you’re looking to improve your credit score, credit repair companies in Denver can remove questionable negative items from your report, while also monitoring your score and alerting you of fraud.

A credit repair company can help remove the following items from your credit report if they are inaccurate or can’t be verified by the creditor:

  • Late payments
  • Inaccurate accounts
  • False information
  • Accounts in collection
  • Foreclosures
  • Judgments
  • Inquiries
  • Bankruptcies
  • Repossessions

The process varies with each individual’s needs and the types of items that need to be removed. Commonly, people can expect to start seeing improvements within one to three months. Most credit repair companies in Denver offer a free consultation.

Once you choose a company, the process is usually pretty simple:

Step 1 Step 2 Step 3
The company obtains credit reports from the three major credit bureaus: Experian, Equifax and TransUnion. They contact any creditors and the credit bureaus to remove incorrect information on your report. Many companies provide long-term credit monitoring and tips to improve your score.

Avoiding credit repair scams

While the idea of improving your credit is appealing, you’ll need to watch out for scams. First off, no one can legally remove information from your credit report unless the information is inaccurate or has expired. So, if you have poor credit and your report is accurate, a company may be able to provide helpful strategies for improving the score, but they can not simply delete it. Any company that claims they can delete everything is a scam.

Because credit repair scams are common, the Federal Trade Commission warns consumers against companies that:

  • Require payment before any work is done
  • Direct you not to contact the credit reporting companies
  • Advise you to dispute accurate information in your credit report
  • Advise you to give false information on your applications for credit or a loan

Before choosing a Denver credit repair company, make sure you understand the process of repairing your credit, the reputation of the company and any fees required.

Credit Saint

Credit Saint

CALL CREDIT SAINT

(478) 845-6310 VISIT CREDIT SAINT

Credit Saint provides free credit consultation to new customers and a full refund to those who don’t see negative items removed from their credit report in 90 days. Each customer is assigned a team of specialists to update the status of their case each month. Customers in Denver report good results and a responsive team.

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Lexington Law

Lexington Law

CALL LEXINGTON LAW

(855) 620-5873 VISIT LEXINGTON LAW

Since 1991, Lexington Law has helped consumers keep up with evolving credit laws. New customers can take advantage of the free credit repair consultation. They can track their case online and call or email paralegals with questions. Denver customers report courteous service when receiving updates, but noted frustration with cancellation fees.

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The Credit People

The Credit People

CALL THE CREDIT PEOPLE

(877) 696-3650 VISIT THE CREDIT PEOPLE

With over 310,000 unique credit reports processed by their team, The Credit People has thousands of satisfied customers. The Credit People offers low monthly pricing, free credit reports and an Unbeatable Satisfaction Guarantee. According to customers, The Credit People representatives clearly explain what needs to be done for improvement.

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The Credit Pros

The Credit Pros

CALL THE CREDIT PROS

(844) 441-1397 VISIT THE CREDIT PROS

The Credit Pros includes credit monitoring in their service, spotting any false information that negatively impacts your credit score. The team also provides personalized, easy-to-read credit reports and score insight along with tips for taking the next step to improve your credit score. Denver customers loved the positive results and reasonable prices.

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Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.