Are you looking for professional help to improve your credit score? We have reviewed 42 credit repair companies and have selected 7 that could help you challenge credit inaccuracies, dispute negative items on your credit report and raise your credit score.
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AI-Driven Credit Repair
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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In Business Since 1989
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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Almost 1.5 Million Credit Issues Removed
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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24/7 Phone Support
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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BBB Accredited
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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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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Most Clients Served
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
For Connecticut residents, credit scores and strong payment histories are the best way to get low rates on loans and other types of financing. If you are in the market for a new home, or if you are applying for a credit card, bad credit can ruin your chances of reaching your goals. Thankfully, there is no reason to suffer from bad credit any longer than you need to. There are plenty of options to help correct mistakes on your report, pay down overdue balances, and even get rid of collections. The best option is to work with a licensed and certified CT credit repair company, though there are some things you can get started with on your own.
Overview of the credit industry in Connecticut
Connecticut has some of the highest rates of credit card debt in the US. While the national average is $5,193, Connecticut’s average is $5,823 per person. This is likely because of the higher cost of living in the state, with housing and utilities being far higher than the national average.
Although the credit card debt is higher on average in Connecticut, credit scores in the state are higher than average. The state average for credit scores in Connecticut is 728, higher than the US average of 714. While the average credit score is good in Connecticut, every average points to a lot of variation in scores for individuals. If your credit score is lower than what other people’s scores in the state are, or simply lower than it needs to be for what you want to do, such as get a house mortgage or a new car loan, credit repair is an option that might help you improve your credit score by removing negative credit entries that don’t belong.
Laws that effect credit repair in Connecticut
There is a state law that impacts credit repair companies operating in Connecticut. The Creditor’s Collection Practices Act (CT Gen Stat 36a-700) gives a guidance about how contracts from credit repair organizations should be written. The main point it adds is that these companies must provide some specific disclosures within each contract with their customers.
The other legislation that impacts these companies is the Credit Repair Organizations Act (CROA). This is a federal law that sets boundaries for how credit repair companies are allowed to interact with customers, charge for services, and advertise their services to clients. This law covers all credit repair organizations in the country, giving a baseline for how they can operate and service clients.
Do you need a lawyer to do credit repair in Connecticut?
Credit repair is a service that’s often offered by law firms. However, in Connecticut there’s no requirement for credit repair to be done by a lawyer. Lawyers are not the only ones who can do this service. Many credit repair organizations offer other credit monitoring or credit-related services as well, providing a well-rounded service for anyone looking to build and maintain a better credit score.
Credit repair process in Connecticut
The credit repair process in Connecticut involves 3 main steps:
Step 1: Request a credit report
Credit reports are records of payments, credit accounts, and other credit-related events that have been reported to a credit bureau. Every 12 months, you’re entitled to a free credit report from each of the 3 major credit bureaus, which you can request online or through the mail. If you want to do credit repair, request all 3 reports. If you’ve already gotten your reports for the year, you can request new reports within the 12-month window, at a cost.
Step 2: Check your credit reports
After you’ve gotten your credit reports, take some time to look at the details of each reported event, especially any negative entries that might be there. If there are incorrect details on your credit report, you can dispute those entries and have them removed from your report. This only applies to entries that aren’t supposed to be on your credit report. You can’t use this process to remove legitimate negative entries.
Step 3: Dispute entries
Sending a dispute letter to the credit bureau where you found the issue starts the process to challenge and remove false or inaccurate entries from your credit report. You must send a dispute letter to each credit bureau that had the inaccurate entries on their report, since these bureaus do not communicate with each other about entries.
Note: Even though the process is only 3 steps, it’s much more complicated than it sounds. You can go through the credit repair process in Connecticut by yourself, but it’s often better to work with a reliable credit repair company instead who can take you through the process from start to finish, including following up regularly with the credit bureaus.
Why Bother Repairing Your Credit?
You may be thinking that because you don’t plan to apply for credit cards or perhaps you may not be in the market for a house that your credit score doesn’t matter. Even if you don’t plan to use your credit right now, it is important to take the time to repair it while you are able. Your credit score affects so many aspects of your life starting and insurance premiums all the way to work promotions and securing home or student loans.
Boost Your Score With Connecticut Credit Repair
A person's score is a formulation of information that is pulled from the items listed on their credit report. The FTC conducted a study that found that as much as 5% of the population has errors that are causing lower credit scores. Checking your own credit report on a regular basis will help you spot mistakes before they drag your score down even further. Credit repair companies will work to banish these mistakes to help boost your score among other things. They will also keep an eye on your report to ensure the same item doesn’t come back during the next reporting cycle. The credit repair company can also work to remove accounts on your report that don’t belong to you and other legal actions such as bankruptcy that are not yours.
What To Look For In A Good Connecticut Credit Repair Company
If you have bad credit, chances are you don’t really have much to spend on extra services. That is one reason it is important to look for a credit repair company that offers transparent pricing and one that actually can deliver on its promises. Most credit repair agencies may have a small upfront cost, and in most cases, payments will only be due each month while the repair is ongoing. It takes time to fix your credit no matter how good a credit repair company may be. Most people will start to see a big change in their scores around the six-month mark. That being said, you should also look for a credit repair company that offers stellar customer service. Regular phone and email support should be standard regardless of their pricing.
Rapid Rescore For a Home Loan
For those looking to secure a home loan having a good credit score is more important than ever. A bad score can keep you from getting approved, or it may result in being approved for a lower loan amount. Most new home purchases are planned well in advance, so working with a credit repair company is a good way to get your credit report mortgage company ready. A credit repair agency will take your homeownership goals and then create an actionable plan that will help you reach the score you desire. Sometimes this is through consolidation and in other cases it may be paying off specific debts early in order to raise your score.
When applying for a home loan, banks pay close attention to both your score and your debt-to-income ratio. A credit repair counselor will be able to help you improve your score and keep your ratios below 40%. Your specific plan will be customized according to the current problems on your credit report, your credit score goals, and what items can actually be changed on your credit report. Though the credit agency will monitor your report over the long term to track changes, they can also work with your mortgage broker to get a rapid rescore if you have already started the home loan process but need a quick boost after making some changes.
Common questions and answers:
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By how much can you improve your credit score in Connecticut?
Credit scores are heavily reliant on your payment history. If there are mistakes in that payment history, such as missed payments or late payments, your credit score could be much lower than it’s supposed to be. Removing these incorrect entries on from your credit report can cause your score to jump up by a lot, especially if there are multiple incorrect entries.
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What is the cost for repairing your credit in Connecticut?
Credit repair is charged as a monthly service, since it takes time and a lot of follow up to complete the process. The average cost in Connecticut is between $119 - $159 per month, with some companies charging a one-time setup fee along with the monthly fee. You can find credit repair in a wide range of prices, anywhere from $99 - $199 per month, depending on what you need with the service and what the company will be able to do for you.
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How long does the credit repair process take in Connecticut?
Credit repair in CT usually takes between 3 – 6 months because of the tedious follow up process with each credit bureau. Although the credit bureau has to respond to your dispute letter within 30 days of receiving it, this doesn’t mean the process will be short. It often takes months to communicate back and forth until the incorrect entries are finally corrected.
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Are there any cities or towns in Connecticut where you cannot get credit repair?
Credit repair is a service that’s available everywhere in Connecticut. From larger cities like Bridgeport, Hartford, New Haven, and Stamford to smaller cities like Colebrook, Andover, Ashford, or Old Lyme, credit repair is a service that’s not dependent on the size or location of a city. Every town and city in Connecticut can access credit repair.
Get help with credit repair in Connecticut:
- Avon
- Bethel
- Bloomfield
- Branford
- Bridgeport
- Bristol
- Cheshire
- Chester
- Colchester
- Cromwell
- Danbury
- East Hartford
- East Haven
- East Windsor
- Enfield
- Fairfield
- Fairfield County
- Farmington
- Glastonbury
- Greenwich
- Groton
- Guilford
- Hamden
- Hartford
- Hartford County
- Litchfield
- Litchfield County
- Madison
- Manchester
- Mansfield
- Meriden
- Middlesex County
- Middletown
- Milford
- Mystic
- Naugatuck
- New Britain
- New Canaan
- New Haven
- New Haven County
- New London
- New London County
- New Milford
- Newington
- Newtown
- Niantic
- North Haven
- Norwalk
- Norwich
- Old Saybrook
- Orange
- Plainfield
- Plantsville
- Ridgefield
- Rocky Hill
- Seymour
- Shelton
- Simsbury
- South Windsor
- Southbury
- Southington
- Stamford
- Stratford
- Suffield
- Tolland County
- Torrington
- Trumbull
- Vernon
- Wallingford
- Waterbury
- Watertown
- West Hartford
- West Haven
- Westport
- Wethersfield
- Wilton
- Windham
- Windham County
- Windsor
- Woodbridge