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ABOUT US

Our processing center utilizes the latest technology ensuring fast, accurate service for our customers. Our team of experienced professionals is highly knowledgeable and holds the Credit Reporting Agencies accountable to utilize the newest legislation regarding the Federal Trade Commission guidelines and the Fair Credit Reporting Act. Contact Credit Fix Denver for more info!

Your dollar is more important to you than ever, and at Credit Fix Denver we are constantly looking for ways to maximize and improve the value of the services we provide. With this in mind, our credit restoration service provides the industry’s most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems.

In addition to the credit restoration process, our extensive library of credit education and budgeting information will help you to maximize your credit score in three additional important ways – by showing you how to read and interpret your credit report, by showing you how your credit score is calculated, and by helping you understand and improve your personal finances.

Education is the Key to Using Credit Wisely

Our goal is to help you raise your credit score, so you can start living the life you deserve.

Collections

When an account becomes seriously past due

Collections

When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts have a significant negative impact on your credit scores.

Late Payments

The consequences of making a late payment can feel harsh.

Late Payments

The consequences of making a late payment can feel harsh. But don’t let it discourage you from working toward future financial goals. Credit scores can bounce back with time, hard work and patience. The best thing you can do is start working on rebuilding your on-time “payment streak” if possible — even if that means making the minimum payment each month. Making more and more on-time payments and actively reducing the amount you owe can diminish the impact on your scores over time.

Tax Liens

Does a tax lien hurt your credit score?

Tax Liens

Does a tax lien hurt your credit score? No. Since the three major credit bureaus no longer include tax liens on your credit reports, a tax lien is no longer able to affect your credit. This includes all kinds of tax liens, in case you were curious. Does a property tax lien affect your credit score? No—and neither does an income tax lien. Federal and state tax liens no longer appear on your credit report and neither affect your credit score.

Foreclosures

Generally, a mortgagee issues a notice to the mortgagor after three missed monthly payments in a row.

Foreclosures

Generally, a mortgagee issues a notice to the mortgagor after three missed monthly payments in a row. The notice instructs the homeowner to settle the missed payments in 30 days, failure to which foreclosure begins. Every missed payment on your mortgage loan damages your credit rating. Additionally, a foreclosure will hurt your credit score further.

Repossessions

When you finance a car, your lender retains a security interest: They hold title to the car until the loan is paid off.

Repossessions

When you finance a car, your lender retains a security interest: They hold title to the car until the loan is paid off. Under the terms of your loan contract, your lender can take possession of your car if you fail to make your monthly payments as agreed and default on the loan. Your loan contract spells out exactly when default occurs but, practically speaking, most banks and credit unions won’t start the repossession process until at least 60 days have elapsed since your payment was due.

Bankruptcy

After bankruptcy, your credit score can plummet.

Bankruptcy

After bankruptcy, your credit score can plummet. So, carefully consider your credit rating before you file for bankruptcy. Bankruptcy will have a devastating impact on your credit health. The exact effects will vary. But according to top scoring model FICO, filing for bankruptcy can send a good credit score of 700 or above plummeting by at least 200 points. If your score is a bit lower—around 680—you can lose between 130 and 150 points.

Short Sales

A short sale can hurt your credit scores

Short Sales

A short sale can hurt your credit scores because you’re settling your mortgage loan for less than you owe rather than repaying the full amount as agreed. As with other negative marks, the exact impact on your scores will vary depending on your overall credit history and the scoring model used to calculate your credit score. However, you can take steps to improve your credit and limit the long-term effect.

Inquiries

Each of the three credit bureaus—Equifax, Experian and TransUnion—keep track of the inquiries

Inquiries

Each of the three credit bureaus—Equifax, Experian and TransUnion—keep track of the inquiries on your report because it can say a lot about the risk you pose to lenders. While lenders aren’t too worried about soft inquiries because it doesn’t impact your credit score, they do take caution around hard inquiries. In the lender’s eye, multiple hard inquiries can indicate you’re taking on more credit than you may be able to afford.

Judgments

Judgments are a matter of public record

Judgments

Since judgments are not included in credit reports, they won’t be factored into credit score calculations. However, judgments are a matter of public record, so potential lenders may choose to search for this information from sources other than the national credit bureaus as part of the application process. If a lender sees that a potential borrower has a judgment against them, it may impact that borrower’s ability to qualify for credit.

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What people say about Denver Credit Fix

Our processing center utilizes the latest technology ensuring fast, accurate service for our customers.

During college, I opened up a lot of credit cards. At the time, I didn’t think anything of it and I got something new with each application – a baseball hat, a T-shirt, a football. So, when I didn’t have my paycheck, I put the purchase on one of my credit cards. I ended college with a degree and huge credit card debt. One day, I came across the Denver Credit Fix website, which helped to show me the right way to use credit.

During college, I opened up a lot of credit cards. At the time, I didn’t think anything of it and I got something new with each application – a baseball hat, a T-shirt, a football. So, when I didn’t have my paycheck, I put the purchase on one of my credit cards. I ended college with a degree and huge credit card debt. One day, I came across the Denver Credit Fix website, which helped to show me the right way to use credit.

During college, I opened up a lot of credit cards. At the time, I didn’t think anything of it and I got something new with each application – a baseball hat, a T-shirt, a football. So, when I didn’t have my paycheck, I put the purchase on one of my credit cards. I ended college with a degree and huge credit card debt. One day, I came across the Denver Credit Fix website, which helped to show me the right way to use credit.

During college, I opened up a lot of credit cards. At the time, I didn’t think anything of it and I got something new with each application – a baseball hat, a T-shirt, a football. So, when I didn’t have my paycheck, I put the purchase on one of my credit cards. I ended college with a degree and huge credit card debt. One day, I came across the Denver Credit Fix website, which helped to show me the right way to use credit.

During college, I opened up a lot of credit cards. At the time, I didn’t think anything of it and I got something new with each application – a baseball hat, a T-shirt, a football. So, when I didn’t have my paycheck, I put the purchase on one of my credit cards. I ended college with a degree and huge credit card debt. One day, I came across the Denver Credit Fix website, which helped to show me the right way to use credit.

During college, I opened up a lot of credit cards. At the time, I didn’t think anything of it and I got something new with each application – a baseball hat, a T-shirt, a football. So, when I didn’t have my paycheck, I put the purchase on one of my credit cards. I ended college with a degree and huge credit card debt. One day, I came across the Denver Credit Fix website, which helped to show me the right way to use credit.

General Credit Repair Facts

Credit Repair Statistics

Credit makes the world go round by fueling consumption. However, the going can get pretty tough for consumers with low credit scores, affecting their ability to take loans, use credit cards, and more. If you have been in such a situation or are interested to know what to do when that happens, these credit repair statistics should prove useful. Credit repair is a right available to all US citizens to contest the negative items on their credit reports. These stats and facts will ensure that you are armed with the right knowledge to know how to go about it so that you can build and maintain a healthy credit score.

Credit Fix Companies Successfully Removes

Collections 55%
Late Payments 54%
Medical Bills 44%
Bankruptcy 11%

Contact us today!

2821 S Parker Rd., suite 407
Aurora, CO 80014

Direct 303.642.5602
Office: 720.519.0531
Fax: 720.550.6921
303creditfix@gmail.com