Connecticut Credit Repair
Ready to repair and boost your credit? Discover the top credit repair companies in Connecticut that can help you succeed.
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To get the best credit repair services in Connecticut, check out these companies:
- 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
Bad credit holding you back? Whether you're facing sky-high interest rates or loan denials, there's a solution.
Connecticut's best credit repair companies can help you clean up errors on your credit reports and get your finances back on track.
Here's your guide to the top services in the Constitution State.
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 Connecticut Credit Repair Companies
Each credit repair company will have their edge over the other. To further understand which is your best option, get a free consultation before you opt-in. Start with the best of the best below.
Lexington Law: Best Overall
Lexington Law is one of the most renowned companies in the United States. It's a law firm specializing in credit repair and it has been in the industry since 2004.[1]
Since it started, 77% of its clients increased their score by 40 points (on average), over 6 months into the service.[2] Credit repair can take years, which makes this a potentially speedy process.
Why We Like It:
Lexington Law offers Focus Tracks which are tailored credit repair solutions for unforeseen life events, like identity theft.
For instance, millions of Americans fall victim to identity theft every year. If it happens to you, your credit report could suffer.
Fraudulent credit cards opened in your name may lead to hard inquiries, and loans you never took out might show missed payments. These errors can wreak havoc on your credit score.
Because of this, Lexington Law offers an Identity Theft Focus Track, where Lexington Law will thoroughly review your credit reports for unauthorized entries. You also get real-time TransUnion notifications and an insurance policy to cover the losses.
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
Credit Saint: Best Money-back Guarantee
Credit Saint is another great option to consider. It has been in the credit repair industry since 2004, and has helped over 200,000 clients improve their credit.[4]
What's more, Credit Saint is known for its aggressive approach to credit repair, offering a 90-day money-back guarantee.
Here are the details.
Why We Like It:
Credit Saint offers a 90-day money-back guarantee which is something not all credit repair companies offer.
If you don't see questionable items removed within 90 days, you can request a full refund. This lets you get that extra security for your payments.
Additionally, family members don't need to worry about the hefty setup fees since Credit Saint waives them if they sign up with you.
Credit Saint has a lot more reviews and testimonies for its refund policy. What's more, you can read its thorough and transparent guidelines to ensure your refund will get approved. If you can't get your money back, you can get a detailed explanation from its customer support.
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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Sky Blue Credit: Best for Couples Pricing
Sky Blue Credit has been in business since 1989, making it one of the longest-running companies with decades of experience.[6] If you're looking for a veteran in the industry, Sky Blue Credit is the one to choose.
What's more, Sky Blue Credit helps you save significantly on fees. It's especially suited for those looking to improve their credit with another person.
Why We Like It:
Credit repair fees can add up over time. However, Sky Blue Credit makes it more budget-friendly with Couples Pricing. You can save a lot more individually at this price point than if you opted for Individual Pricing.
Additionally, all services are covered with a 90-day satisfaction guarantee. So if within 90 days, you're not satisfied with the service, you can request a refund.
Also, Sky Blue Credit's specialty lies in mortgage preparation. If you're buying your first home or refinancing your mortgage, Sky Blue Credit will optimize your credit reports to prepare your credit for this crucial purchase.
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
The Credit Pros: Best for Credit Building
The Credit Pros has been in business since 2009, offering credit repair services in the United States. Since then, it has helped over 1 million clients improve their credit reports.[8]
What's more, The Credit Pros features credit building tools that add positive items to your credit reports and improve your payment history. This may help improve your credit score more speedily.
Here's the breakdown of these tools.
Why We Like It:
The Credit Pros offers a Repair + Build Credit plan that includes a $5,000 tradeline with NationalCreditDirect.com. By shopping on the site and paying your monthly balance on time, you get to build your credit over time.
Additionally, in some plans, The Credit Pros reports your monthly payments to the credit bureaus, adding more on-time payments to your credit reports.
All plans also include credit monitoring features, which lets you track sensitive information and avoid identity theft and fraud.
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
The Credit People: Best for Flat-Rate Plan
The Credit People has been in the industry since 2001, helping over 100,000 clients improve their credit.[10] On average, clients see their credit score improve by 50–100+ points[11]
That said, The Credit People is best for those with many inaccuracies in their credit reports, and who expect to use the services for a couple of months.
Why We Like It:
The Credit People stands out as the only company on the list offering a flat-rate plan. For $599, you receive six months of premium service, providing significant savings compared to the regular premium package.
Additionally, all plans are protected with a satisfaction guarantee. With the flat-rate plan, this guarantee covers your entire service.
But The Credit People's key advantage is its low-cost setup fees. You can get started for just $19. If you wish to continue after seven days, your plan fee applies.
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 involves challenging credit bureaus on inaccuracies in your credit reports to potentially improve your credit.
Typically, credit repair companies look for errors or outdated items. Then, they write dispute letters to the credit bureaus to contest these inaccuracies.
It's worth noting, however, that you can repair your credit yourself. The Fair Credit Reporting Act gives you the right to know what's in your credit report. You can also directly file disputes with the credit bureaus.
No, Connecticut doesn't require credit repair companies a specific license before offering services to the state.
Credit Repair Process in Connecticut
Credit repair companies review your reports and challenge the credit bureaus to remove any errors they find.
Here's how it works:
- Sign up for a free consultation
Begin by signing up for an initial online consultation or credit assessment with a company. It's usually free! - Professionals review your credit reports
Credit repair companies will retrieve your credit reports from the credit bureaus. Then, they'll analyze for errors like inaccurate entries or accounts that don't belong to you. - Professionals send dispute letters for you
After reviewing, professionals will write and send dispute letters to the credit bureaus. - Wait for results
Credit bureaus have 30–45 days to investigate your dispute. Afterward, they have an additional five business days to inform you of the outcome.
Not all dispute letters lead to a removal. However, credit repair companies work on a re-dispute basis. You can request them to send another letter to the credit bureaus.
This is your chance to add more evidence in your letter to increase the likelihood of removal.
Keep in mind that you'll need to give the credit bureaus another 30–50 days for your second letter.
There is no specific timeline for repairing your credit score. Each person has a unique credit profile. Realistically, it may take a few months to a few years to gain excellent credit. To maximize your efforts, use credit builders, decrease your credit utilization, and build stronger financial habits.
Connecticut Credit Repair State Law
Connecticut doesn't have state-specific laws for credit repair. However, these services are required to comply with federal regulations governing credit repair services.
In particular, Connecticut abides by the guidelines set in the Credit Repair Organizations Act and the Telemarketing Sales Rule.
Credit repair companies in Connecticut should:
- Not demand for any form of upfront payment
- Provide a written contract for clients, which includes your cancellation rights in writing
- Avoid making false claims or misrepresenting their services
- Abstain from using threats, profane, or intimidating language
- Refrain from calling your home without your consent, except between 08:00 AM to 09:00 PM local time
Unlike other states, Connecticut doesn't require any registration or surety bonds for credit repair services.
Yes, some types of businesses require a surety bond when operating and offering their service in Connecticut. However, this currently does not include credit repair companies in the state.
Is Connecticut Credit Repair Worth It?
Connecticut credit repair can be worthwhile if you have a great deal of inaccurate items to dispute with the credit bureaus.
Signing up with credit repair companies can boost your confidence for successful disputes requiring experience and skill. However, beware that costs can add up, with initial fees up to $195 and monthly fees starting at $60.
On the flip side, if you only have a few items to dispute, it may be more economical to learn about credit repair and DIY.
Total credit repair costs can make or break your budget. To know how much you might spend, use the calculator below.
There is no single or specific government agency overseeing credit repair companies in Connecticut. For more information, contact the Connecticut Department of Consumer Protection and the Connecticut Attorney General.
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.
How to Repair Your Credit By Yourself
If you want to be more hands-on with your credit and dispute inaccuracies yourself, you can simply follow the process of reputable credit repair companies in Connecticut.
You can get your credit reports from AnnualCreditReport.com, then analyze them for errors. After that, write the dispute letters then send them to the credit bureaus.
That said, you're not confined to disputes when it comes to improving your credit. You can also take extra steps to improve your financial wellness.
For example, you can try out apps to manage your money better, set a monthly budget, or apply for new credit cards to increase your total available credit. This can help lower your credit utilization ratio, as long as you avoid accumulating debt on the new cards.
How to Choose A Connecticut Credit Repair Company
The last thing you want is to spend money on a service that doesn't meet your needs. As a result, you'll need to choose wisely, by considering the following:
- 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
It may take a long time to improve your credit, but there are well-established companies that have experience in successfully disputing credit bureaus.
This means it's possible to achieve excellent credit and get the best financial opportunities in Connecticut.
However, if a service cuts too much into your budget, you can repair your credit by yourself first, then sign up for a plan later.
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. About Lexington Law, Retrieved 12/08/2024
- ^ Lexington Law. FAQ: How long does Lexington Law take to work?, Retrieved 12/08/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ Credit Saint. About Credit Saint, Retrieved 12/08/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. Sky Blue Credit - Home Page, Retrieved 12/08/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. About Us, Retrieved 12/09/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. The Credit People In A Nutshell, Retrieved 12/09/2024
- ^ The Credit People. The Credit People - Home Page, Retrieved 12/09/2024
- ^ 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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