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AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros
    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
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2
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit
    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
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3
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People
    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
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4
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair
    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
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5
BBB Accredited
Credit Saint logo

Credit Saint
    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
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6
CreditRepair.com logo

CreditRepair.com
    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
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7
Most Clients Served
Lexington Law logo

Lexington Law
    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection
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For those living in Colorado, you already know that renting an apartment, buying a car, or even getting a credit card is nearly impossible without good credit. If you have bad credit, no credit, or old items on your report that are dragging down your score, there are services available that can help. Improving your credit score with help of a Colorado credit repair company is the best way to improve your score and save money on collections at the same time. Don’t let bad credit stop you from living the life you deserve. We have put together some information on how credit repair companies can help you get your finances back on track.

Overview of the credit industry in Colorado

Colorado is one of the more expensive US states to live in, which could play into their higher credit card debt averages as well as higher credit scores. The average person in Colorado has $5,447 in credit card debt, close to $250 above the national average.

Credit scores in Colorado are higher than the national average, at 728 compared to the US average of 714. This is a solid average, but unfortunately not everyone in the state has a score this high. If your credit score is lower than the average in your state, credit repair might be able to help you as your work to turn it around.

Laws that effect credit repair in Colorado

In Colorado, all credit repair companies must be licensed and follow Colorado financial industry laws. State laws in Colorado give some specific boundaries for credit repair providers operating in the state. The Colorado Credit Services Organization Act (CO Rev Stat 5-19-101) dictates that these companies should:

  1. Include a few mandated disclosures in customer contracts
  2. Provide a refund in full to customers who request it within 10 days of signing the contract
  3. Allow full cancellation of any contract within 5 days of signing

Colorado credit repair companies are subject to the Credit Repair Organizations Act (CROA), a federal law that dictates how these organizations can represent themselves to potential customers. This act also covers the types of contracts credit repair companies have to offer, as well as some of the specifics about how they should accept payment for services.

Do you need a lawyer to do credit repair in Colorado?

No, it’s not a must to hire a lawyer for credit repair services in Colorado. While there are lawyers who offer this service, there are also a number of legitimate credit repair organizations that aren’t law firms.

Credit repair is a service that you can even do for yourself, since credit bureaus are legally required to give you an avenue to challenge inaccurate credit record entries. Even though it’s technically possible to do it on your own, credit repair companies make the process far simpler and give you a greater chance of success, whether they’re lawyers or not.

Credit repair process in Colorado

The process for credit repair in Colorado can be completed in 3 steps:

Step 1: Request your credit reports

Every 12 months you’re entitled to a free credit report from each of the 3 credit bureaus operating within the US. These reports make up your recorded credit history, which is used to calculate your FICO credit score, among other things. In order to start credit repair, you first need to request a report from all 3 credit bureaus.

Step 2: Observe the reports

Look at each of the 3 credit reports closely. Try to see if any of the negative entries have false or inaccurate information that might be reflecting poorly on your credit score. Make sure you look at each report individually. Don’t assume they all contain the same information, since Colorado companies aren’t required to report to all 3 credit bureaus.

Step 3: Challenge incorrect information

It’s your right as a consumer to challenge any information on your credit reports that you believe to be incorrect. When you submit a letter disputing any entries on the report, the credit bureau you’re challenging must investigate the issue and respond. Fraudulent or incorrect information can be removed from your credit reports as a result of following the process through to the end.

Note: Credit repair sounds like a simple and straightforward process, but it’s far more time-consuming than you’d think. While you can do everything that credit repair company does on your own, they will be able to help you save a ton of time and hassle involved in doing it on your own. The dispute letters and subsequent follow ups are difficult and stressful to handle by yourself.

Why Does Your Credit Score Matter?

A normal credit score and an excellent credit score are not much different when applying for credit or other services. However, if you have a bad score, you will be treated much differently. Your premiums will be higher and even your interested rates will be through the roof among other things. Your credit score has a dramatic effect on the rates you are offered for your car and home insurance, even your health insurance. This can result in thousands of dollars worth of extra charges that could have been avoided if only your credit was a bit healthier. Bad credit can even keep you from landing your dream job. Maintaining healthy finances is usually a sign of a responsible employee as such, those with good credit tend to land better positions. If you are looking to buy a home, refinance, or even get a loan for a new car, your credit will be the first thing companies look at.

Banish Negative Marks on Your Credit Report

Professional credit repair companies will work to remove accounts and negative marks on your report that don’t belong to you. Misspellings and old debts are some of the most common entries that are on credit reports that lead to lower scores overall. At the same time, often some legitimate debts are no longer verifiable. Unknown to most consumers, these types of negative marks must be removed. The credit repair company can work with the reporting agencies directly to have them stricken from your report in order to help increase your credit score.

Usually, there is a monthly fee involved when you hire a dedicated credit repair company. These fees will vary depending on the company and how much work your credit report needs to do in order to return to its healthy state. The more reliable credit repair agencies will delay these fees until the work has been completed, but not all companies have the same billing structure.

Tricks That Can Increase Your Score

When you pay your bills on time, your score will naturally improve. However, everyone is human and if you happen to be late or miss a payment on occasion, you can ask the company you owe to remove the negative mark once your account is brought up to date. Maintaining a DTI of less than 50% is also a great way to help improve your credit scores. In fact, if you use more than 50% of your available credit, it will actually start to lower your score even if you are making your payments on time every month.

Credit Counseling In Colorado

As your credit repair agency works on your credit report, they will also work on your financial health. Credit counseling is usually a bundled service that helps the efforts of a credit repair service stick. After all, there is little point in spending a year repairing your credit if you are still making the same mistakes that led you to this position in the first place. Credit counseling will teach how to budget effectively and how to manage money more efficiently. Learning how to balance your finances can often take as long as repairing your credit. Depending on the company this may be a weekly or monthly class, or you may have a dedicated agent assigned to teaching you creative money management tricks that fit your lifestyle.

Common questions and answers:

  • How much can you increase your credit score in Colorado?

    Your credit score can be greatly improved by effective credit repair service. If there are incorrect entries on your credit report, they can be a huge drag on your credit score. Removing those entries will put your credit score back where it belongs. If you’re struggling to improve your credit, Colorado credit repair could help to put you back on even ground by removing false negative entries that are holding you back.

  • What is the cost for repairing your credit in Colorado?

    Credit repair is paid for on a monthly basis for as long as the process goes on. In Colorado, the cost is usually between $99 - $189, but it can range anywhere from $89 - $249 per month. While some companies will charge a setup fee in the beginning of the contract, others will charge only the monthly fee. All companies allow for cancellation of the service at any time, even if the process is unfinished.

  • How long does credit repair take in Colorado?

    The average time it takes to complete the credit repair process in Colorado is 3 – 6 months. Credit repair is a beneficial process that can help you get a better credit score, resulting in more favorable loan terms and access to credit. This is a benefit you don’t want to risk, so working with a credit repair company is usually a safer bet if you want reliable credit repair service.

  • Are there any cities or towns in Colorado where you cannot get credit repair?

    You can easily get credit repair in large metro areas like Denver, Colorado Springs, Aurora, Boulder, or Fort Collins. But these aren’t the only areas you can get credit repair in Colorado. It doesn’t actually matter how large or small of an area you live in, everyone in the state can access the same credit repair services, including those in smaller cities like Bennet, Akron, Aspen Park, or Sugarloaf.

Get help with credit repair in Colorado:

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When you call any toll-free number provided, you will be connected to one of the credit repair companies that we work with, which include The Credit Pros, Sky Blue Credit, The Credit People, Pyramid Credit Repair, Credit Saint, CreditRepair.com and Lexington Law. We receive a commission for purchases made through the links on this site and from calls made to the toll-free numbers listed on the website. Credit repair results cannot be guaranteed. Credit-Repair-Companies.org does not provide any credit repair services. Our sponsors do not influence our editorial content in any way. All content on the website is provided for information purposes only and shall not be construed as financial advice.

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