Restoring your credit standing is an option anywhere in the US, and Rocky Mountains country is no exception. Companies providing credit repair in Colorado range from small, homegrown firms to mammoth, national players. Which of these are the best options for you if you want reliable, top-quality credit repair? Don’t worry—we are here to help you pick out the top names for credit repair in The Centennial State, so read on.
Ranked #1 in Challenging Inaccurate Credit Data
This New Jersey-based company has been in the credit repair business since 2007, boasting an A rating from the Better Business Bureau. Apart from an aggressive team that has helped thousands of customers improve their credit scores, its credit repair service highlights include a free phone consultation and a 90-day money-back guarantee.
Trusted attorneys helping to fix your credit
This Utah-headquartered company has been in business since 2004 and is the largest among the credit repair law firms in the US. The team’s vast experience—including the removal of over 50 million negative items from credit reports in nearly two decades—ensures that pretty much all your credit repair needs are fulfilled across its three payment plans.
Credit doesn't have to be confusing.
Utah-based CreditRepair.com has been in the industry since 2012 and has helped clients with nearly 20 million challenges and disputes. The firm is also a prominent name among companies offering Arizona credit repair services and is known for its affordably priced plans, highly-rated mobile app, and strong credit education focus.
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Credit Glory is a company with a nationwide presence, rated B+ by the BBB and has an experienced team known for its dispute management process. The firm lacks some critical services like credit monitoring and debt validation, but there’s much else to like about its innovatively designed packages, including a money-back guarantee and challenges to all types of inaccurate items.
Colorado credit repair companies have to follow both federal laws and state laws. The two primary federal laws are the Fair Credit Reporting Act, 1970, and the Credit Repair Organizations Act, 1996, which govern credit repair services nationwide.
The state law every credit repair company in Colorado has to follow is known as the Colorado Credit Services Organization Act (2017). To help you understand your rights, we’ve summarized the essentials of the credit repair laws in Colorado.
Colorado credit repair firms do not have to obtain a surety bond or a statewide license. However, some counties or cities may need firms to obtain a license to practice within the county or city borders. There aren’t any Colorado credit repair registration requirements, either.
Before executing a contract with the customer or receiving any fees for services rendered, whichever occurs earlier, the credit repair firm has to share a written disclosure with the customer. The law specifies what a Colorado credit repair firm must include:
Companies offering credit repair in Colorado must maintain a copy of the statement signed by the customer to acknowledge its receipt.
A contract between a credit repair service in Colorado and a customer must be in writing, dated, and signed by the customer. It must include the following:
Credit repair companies in Colorado cannot:
Credit Saint’s three payment plans—Credit Polish ($79.99/month), Credit Remodel ($99.99/month), and Credit Sales ($119.99/month)—offer a well-designed break-up of services to suit different needs. Its first-work fees ($99) for the two lower plans are also quite reasonable, but the highest plan’s $195 is above the average initial fees seen for credit repair in Colorado.
This, however, is a minor concern given that you get the services of one of the best-rated credit repair firms in the US in the bargain. There’s also the issue of limits of five and 10, respectively, on the number of items challenged per cycle with the two lower plans. Again, though, most customers are unlikely to find this a significant constraint.
You also won’t get inquiry targeting and credit monitoring with the lowest-tier plan. This is a more significant issue as many firms offering credit repair in Colorado provide these services across all payment tiers.
In contrast, there are many potential advantages in opting to restore your credit with the firm’s help. Credit Saint’s team is renowned for its aggressive dispute handling process, ensuring your issues get resolved efficiently. The firm’s free consultation, 90-day money-back guarantee, and well-designed client portal also prove handy.
Finally, there’s the firm’s experience and reputation. Since 2007, the firm has helped thousands of customers through its credit repair services in Colorado and several other states. Plus, its consistently high ratings from the BBB and reputed review sites provide sufficient assurance of the high quality you can expect with Credit Saint.
Few credit repair firms in the US can match the nearly 20-year experience of Lexington Law, known for its in-house consumer law experts. The firm is headquartered in the neighboring state of Utah but is also among the top options for credit repair in Colorado.
Recently, Lexington Law has been the subject of a lawsuit by the Consumer Financial Protection Bureau, which alleges misleading marketing practices. The case hasn’t been decided yet, but the firm’s reputation has undoubtedly taken a hit. This is also reflected in its low BBB rating. This episode, however, hasn’t had any noteworthy bearing on the quality of services you can expect.
Coming to Lexington Law’s packages, it charges $89.95, $109.95, and $129.95 per month, respectively, for its three plans called Concord Standard, Concord Premier, and PremierPlus. With the average fee of around $99/month for credit repair in Colorado, Lexington Law’s fees appear a bit expensive. This is particularly true if you need help on items other than bureau challenges and creditor interventions, the only services available in the lowest plan.
On the other hand, Lexington Law has excellent services coverage for the higher fees, including inquiry targeting, credit monitoring, identity protection, and personal finance tools. You also have a highly rated mobile app to better access all these features. These are backed by positive customer reviews confirming top-quality services from this credit repair law firm in Colorado.
Another Utah-based firm counted among the leading Colorado credit repair firms, CreditRepair.com shares a parent group, Progrexion, with Lexington Law. Consequently, it has been dogged by the same issues because of the CFPB marketing practices lawsuit. Given its less extensive experience, CreditRepair.com’s reputation seems to have suffered a bit more.
However, CreditRepair.com continues to provide quality services. Those are broken up across three packages, costing $69.95, $99.95, and $119.95 per month. The fees are about average for Colorado-based credit repair companies. Plus, the firm also offers occasional discounts.
Another highlight is CreditRepair’s simple three-step process, making it easier for customers to understand what they are buying. To further aid customers in learning about credit and related aspects, the firm applies an education-based approach, including substantial resources on its website. Its well-reviewed mobile app also aids this process, making it easier for clients to access various features and consult with the team.
On the negative side, there’s the obvious low BBB rating, partially due to the lawsuit. The firm lacks the experience of some other firms providing the best credit repair in Colorado. Additionally, despite all the resources available on its website, there’s little information on the team’s credentials. This is particularly stark considering the detailed information on various team members on the website of Lexington Law, owned by the same group.
In several aspects, such as experience, offered services, and monthly fees, Credit Glory is more like Colorado-based credit repair companies than the more prominent national players mentioned above. Most of these similarities make Credit Glory an excellent option for customers looking for no-frills, affordably-priced, personalized services.
Credit Glory’s first plan has a setup fee of $199, followed by monthly charges of $99. The second plan lets you pay $79 per removed inquiry, which can prove economical if you don’t have too many issues in your credit report. Finally, the third plan is for more complex issues, costing a one-time fee of $799 for 10 or more items. While the monthly plan is typical for credit repair companies in Colorado, the per inquiry and bulk plan offer you more freedom than usual in structuring your expenses.
Each plan mentioned above covers all types of negative items, along with the standard free consultation and a 90-day money-back guarantee. However, you don’t get features like debt validation and credit monitoring, which may not directly affect the credit repair quality but are useful nonetheless. There’s also not much by way of personal finance tools to help build your long-term credit, even though the firm mentions a focus on credit education.
There are some other minor issues. For example, customer reviews point out that, unlike most Colorado credit repair companies, the firm does not pull out your credit reports for you. Plus, its website resources need improvement—there’s a whole lot of content but very little of it directly helpful for potential or existing customers.
If you happen to need credit repair in Colorado, all the firms on our list are qualified to do the job and do it well. That said, some due diligence of your own will help you determine whose selection of services will best fit your needs and, of course, budget.