Colorado Credit Repair
Mistakes impacting your credit reports? These Colorado credit repair companies can help out. Read on for your options.
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These are the best credit repair companies in Colorado:
- Lexington Law: Best Overall
- Credit Saint: Best for Money-back Guarantee
- Sky Blue Credit: Best for Couples Pricing
- The Credit Pros: Best for Credit Building
- The Credit People: Best for Flat-Rate Plan
Misreported late payments or unauthorized hard inquiries can drop your credit score by as much as 100 points.
What's worse, this can stay on your record for years.
The good news, however, is you're not alone, and there are professionals ready to help.
In this guide, you'll find the best credit repair companies in Colorado to help you take control of your credit and rebuild your financial future.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
5 Best Colorado Credit Repair Companies
These top credit repair companies in the Centennial State have years of experience in removing inaccuracies from people's credit reports. Take advantage of the free consultation to get started.
Lexington Law: Best Overall
Lexington Law is one of the leaders in the credit repair industry. It's been in business since 2004, helping 10.5 million+ clients.[1]
Impressively, around 77% of its clients have seen their credit score improve by 40 points (on average) within just 6 months.[2]
Why We Like It:
Lexington Law offers Focus Tracks to address credit issues during unexpected life events, like national emergencies.
For instance, in 2020, the Coronavirus outbreak affected millions worldwide. This caused many Americans to fall behind on mortgage payments, medical bills, or credit card balances.
The National Emergency Focus Track is designed to address such crises. Lexington Law will analyze relief options for your credit, ensuring it's protected from these unforeseen circumstances.
Pricing & Fees:
Lexington Law offers only one premium credit repair package at $139.95/month.[3] You get the following:
- Skilled lawyers and paralegals working on your case
- Challenges to Equifax, Experian, and TransUnion
- Monthly TransUnion FICO score
- $1 million identity theft insurance
- Personalized strategies to improve your credit score
The first payment is charged 5-15 days after you enroll, but Lexington Law doesn’t specify the exact amount. Then after a month, you'll be charged the monthly fee.
Pros & Cons:
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Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Lexington Law is a great overall option. But if a money-back guarantee is your priority, Credit Saint is the company to go for.
Credit Saint: Best Money-back Guarantee
Credit Saint is a credit repair company that's been in the industry since 2009, and it has helped over 200,000 people since then.[4]
It provides a money-back guarantee, ensuring you get your money's worth. This makes Credit Saint one of the most reliable and aggressive credit repair services.
Why We Like It:
Not all credit repair companies are of the same caliber. Credit Saint stands out by offering an extra layer of security for your payments through its 90-day money-back guarantee.
If no errors are removed from your credit reports within 90 days, you can request a full refund.
What's more, your family members can save on hefty fees if they sign up with you. Their first work fee will be waived (which can cost at least $99 each).
Pricing & Fees:
Credit Saint offers three packages with the following features:[5]
| CLEAN SLATE | CREDIT REMODEL | CREDIT POLISH | |
|---|---|---|---|
| Aggressiveness | Very High | High | Medium |
| Price (monthly) | $139.99 | $109.99 | $79.99 |
| Initial working fee/first work fee | $195.00 | $99.00 | $99.00 |
| Challenges to the 3 credit bureaus | Unlimited disputes | ✔ | ✔ |
| Creditor intervention letters | ✔ | ✔ | ✔ |
| Score tracker and analysis | ✔ | ✔ | ✔ |
| Inquiry targeting | ✔ | ✔ | — |
| Personalized guide to credit building | ✔ | ✔ | — |
Pros & Cons:
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Although Credit Saint works great for families, Sky Blue Credit may be better if you're signing up with just one other person.
Sky Blue Credit: Best for Couples Pricing
Sky Blue Credit has been in the industry since 1989, making it one of the longest-lasting credit repair services.[6] If you're looking for a veteran company, it's the option to go for.
What's more, Sky Blue Credit can help you save significantly on fees compared to other companies. This is how.
Why We Like It:
Sky Blue Credit stands out for its Couples Pricing that brings down your individual monthly fees significantly. For instance, compared to the $79.00 monthly fee for Basic Service, as an individual, you can end up paying $59.50 per month with the Couples plan.
Additionally, you're protected with a 90-day satisfaction guarantee. If within 90 days, you're not pleased with the service, you can request a refund—no questions asked!
Pricing & Fees:
Sky Blue Credit offers the following features for each package:[7]
| PREMIUM | FULL SERVICE | BASIC SERVICE | |
|---|---|---|---|
| Price (monthly) | Individual: $119.00 Couples: $179.00 | Individual: $99.00 Couples: $149.00 | Individual: $79.00 Couples: $119.00 |
| Initial working fee/first work fee | Same as monthly price | ||
| 3-bureau credit reports and scores | ✔ | ✔ | ✔ |
| Credit bureau disputes | ✔ | ✔ | ✔ |
| Score tracker | ✔ | ✔ | ✔ |
| Credit updates | Every 45 days | Every 45 days | Every 60 days |
| Creditor interventions | ✔ | ✔ | — |
| Credit builder tool | ✔ | ✔ | — |
| Monthly inquiry disputes | ✔ | — | — |
| Debt validation letters | ✔ | — | — |
| Cease and desist letters | ✔ | — | — |
| Personal Information Correction letters | ✔ | — | — |
Pros & Cons:
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Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Sky Blue Credit is great for saving money. But if your priority is to speedily improve your credit, The Credit Pros may help with that.
The Credit Pros: Best for Credit Building
If you're looking to fix and build your credit at the same time, The Credit Pros is the better option. It's another trusted credit repair company that has helped over 1 million clients since 2009.[8]
Why We Like It:
Apart from credit repair, The Credit Pros provides credit building tools in some of its plans. For instance, the Repair + Build Credit plan includes a $5,000 tradeline with The Credit Pros' partner, NationalCreditDirect.com.
To add positive transactions to your credit reports, purchase items on their website through the tradeline, then pay your monthly balance on time.
Selected plans also include payment reporting of your monthly fees to the credit bureaus, which also adds positive entries to your credit reports.
Pricing & Fees:
Here's what else you can get from them:[9]
| REPAIR + BUILD CREDIT | REPAIR CREDIT | BUILD CREDIT | |
|---|---|---|---|
| Price (monthly) | $149.00 | $129.00 | $69.00 |
| First work fee | $149.00 | $129.00 | $119.00 |
| Unlimited disputes to the credit bureaus | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Cease and Desist letters | ✔ | ✔ | — |
| Positive payment reporting | ✔ | — | ✔ |
| Credit Building Tradeline | ✔ | — | — |
| ID Cover Darkweb Monitoring | ✔ | ✔ | ✔ |
| TransUnion fraud alerts | ✔ | ✔ | ✔ |
| Debt Payoff & Budgeting System | ✔ | ✔ | ✔ |
Pros & Cons:
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Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Unlike the other companies on this list, The Credit People knows credit repair can take time, and provides you with this perk.
The Credit People: Best for Flat-Rate Plan
The Credit People has been in the industry since 2001, removing almost 1.5 million inaccurate items for its clients.[10] Remarkably, some clients see their credit score improve by 50–100+ points on average, seeing results within 60 days of signing up.[11]
Why We Like It:
For $599, The Credit People offers you 6 months of premium service with its flat-rate plan. This lets you get lower monthly fees compared to the regular Premium package.
What's more, The Credit People offers a satisfaction guarantee, allowing you to request refunds if you're not satisfied. This guarantee extends for the entire duration of the flat-rate plan.
Best of all, The Credit People's setup fee is only $19—one of the lowest setup fees in the industry. After seven days, you'll be charged the fee for your chosen plan.
Pricing & Fees:
You can choose between a flat-rate package and two regular monthly packages:[12]
| PREMIUM FLAT RATE | PREMIUM | STANDARD | |
|---|---|---|---|
| Price | $599 for 6 months | $119/month | $99/month |
| Setup fee | $19 | ||
| Challenges to the 3 credit bureaus | ✔ | ✔ | ✔ |
| Unlimited challenges | ✔ | ✔ | ✔ |
| Before & After credit scores | ✔ | ✔ | ✔ |
| Monthly credit scores | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Escalated disputes & validations | ✔ | ✔ | — |
Pros & Cons:
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What is Credit Repair?
Credit repair refers to the process of improving your credit by disputing inaccurate items on your credit reports.
Typically, credit repair companies look for outdated late payments, accounts that aren't yours, or hard inquiries you didn't authorize.
Then, they send dispute letters to the credit bureaus, with the goal of getting the questionable items removed from your credit reports.
That said, you can repair your credit on your own, too. Under the Fair Credit Reporting Act, you have the right to request your credit reports and directly dispute errors with the credit bureaus.
Legitimate credit repair companies can effectively spot inaccuracies on your credit reports. Then, they send dispute letters to the credit bureaus to get these inaccuracies removed. It's one way to slowly improve your credit.
Credit Repair Process in Colorado
Colorado credit repair companies review your credit reports and challenge the credit bureaus to get inaccurate items removed.
Here's how it works:
- Sign up for a free consultation
Start by signing up for a free credit assessment or initial online consultation. Most companies offer this for free! - Professionals review your credit reports
Professionals will look for errors, inaccuracies, and outdated items. They will also analyze for transactions that may not belong to you. - Professionals send dispute letters for you
After the review, professionals will send the credit bureaus dispute letters to challenge the removal of these errors. - Wait for results
Credit bureaus have 30–45 days to investigate your dispute letter. They have an additional five business days to inform you of the results.
The first dispute letter may not lead to removals. If this happens, you can request the company to re-dispute the items by sending another letter.
You can use the second dispute letter to add more evidence to your claim to increase the chances of removal. But you need to allot another 30–50 days for the result of your second dispute letter.
Colorado Credit Repair State Law
Under the Colorado Credit Services Organization Act, credit repair companies must adhere to the following guidelines:
- Not demand upfront payment before performing services
- Not make misleading claims or misrepresent their services
- Provide a written contract—dated and signed by the client
- Provide a clear cancellation notice with the contract
- Return any payment made if you cancel your contract within 5 working days of signing
Additionally, Colorado credit repair companies must follow the Telemarketing Sales Rule, which prohibits the use of deceptive and abusive language when corresponding with customers.
Unlike other states, Colorado doesn't require registration or a license for credit repair companies. Nor does it impose a surety bond for those offering credit repair services in the state.
Yes, credit repair is legal in Colorado. Several companies offer legitimate credit repair services in the state. However, they need to abide by the Colorado Credit Services Organization Act and other federal laws that govern Colorado.
Is Colorado Credit Repair Worth It?
Colorado credit repair is worth it if you have many inaccurate items to dispute. Successful disputes require skill, strategy, and knowledge of state-specific laws.
Signing up for legitimate credit repair companies can boost your confidence since they have years of experience with successful disputes and removals. However, be ready to spend for first work fees that go up to $195 and monthly fees that start at $60.
If you only have minimal items to dispute, the more logical option would be to do DIY credit repair instead.
To gauge if credit repair is worth signing up for, estimate the potential costs using the calculator below.
There is no definite timeline for repairing your credit score. Each person's credit is unique. It might take a few weeks for some and a few years for other people. To maximize your efforts in credit repair, try using credit builders, settle your debts on time, and build better financial habits.
Credit Repair Cost Calculator
To know how much your potential credit repair fees will be, follow the steps below.
- Input the first work fee (setup fee) of your chosen company.
- Input the monthly fee of your chosen package.
- Input the number of months you think you may need credit repair services.
- Click Calculate.
Can I repair my credit score myself?
Yes, you can repair your credit on your own. Instead of signing up with Colorado credit repair companies, visit AnnualCreditReport.com and obtain your credit reports from Equifax, Experian, and TransUnion.
Carefully review them for errors, inaccuracies, or unauthorized transactions. Write a dispute letter, send it to the credit bureaus, and wait 30–50 days for the results.
That said, remember that credit repair isn't your only option to improve your credit score.
You can also strengthen your financial wellness by applying for the best credit cards in Colorado and managing them responsibly. Doing so can help you improve your credit utilization ratio, which could, in turn, improve your credit score.
Additionally, use money management apps and create a manageable budget every month. This way, you get a clearer picture of your financial situation and plan accordingly.
How to Choose a Colorado Credit Repair Company
Credit repair can be costly. You don't want to waste money on a service that doesn't fit your needs. Weigh in these factors when narrowing down the company you'll sign up for:
- History and experience
Look for companies that have a proven track record. That way, it'll be easier to get the latest news and updates regarding the company's performance, legal compliance, and accreditations. - Testimonials and reviews
Online platforms like BBB, Google Reviews, and Trustpilot are your best friends. Search for comments, reviews, and ratings to gauge and assess the company you're eyeing. - Guarantee and refund policies
Not all companies offer a guarantee and refund policy. If you want the extra safety net for your payments, go for companies with money-back guarantee or satisfaction guarantee. - Website and online presence
Most things are online now. Search for the company's website, social media accounts, and verified profiles online. This way, you'll see the basic information and send inquiries before you decide to sign up for their service.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Our Methodology
We chose credit repair companies with more than 10 years of experience and continue to provide services to consumers. These companies have a track record for removing millions of items and helping thousands of clients in their years in the industry.
We also looked at the pricing structure and potential costs when you sign up, such as:
- First work fees
- Service fees
- Other charges
- Promos and discounts
All companies on the list have extensive websites with a large library of news, articles, and resources. Some even feature online tools to help you with your finances.
Lastly, we considered companies that have a significant number of reviews from clients and prospects. We browsed platforms like BBB, Trustpilot, and Google Reviews, and looked for social media profiles of these credit repair companies.
Bottom Line
Achieving excellent credit is within reach with these top Colorado credit repair companies. They've helped thousands of clients improve their credit reports, so you can trust that you'll be in good hands.
You might spend hundreds of dollars in total to fix your credit reports—but the investment can be worth it.
For a more hands-on approach, you can start by sending your own dispute letters. Then, you can leave the more complex items to the professionals. This lets you save on fees and gain valuable insights into your credit.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
References
- ^ Lexington Law. FAQ: Does your service really work, Retrieved 12/16/2024
- ^ Lexington Law. FAQ: How long does Lexington Law take to work?, Retrieved 12/16/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ Credit Saint. About Credit Saint, Retrieved 12/18/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. About Us, Retrieved 12/18/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. About Us, Retrieved 12/18/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. The Credit People - Home Page, Retrieved 12/18/2024
- ^ The Credit People. How It Works, Retrieved 12/18/2024
- ^ The Credit People. Plans & Pricing, Retrieved 09/16/2024
- ^ The Credit People. FAQ: Is there a discount for couples?, Retrieved 11/01/2024
Alex Mambaje is a research analyst at CreditDonkey, a credit card comparison and reviews website. Write to Alex Mambaje at mambaje@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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