Ideal Credit


Our Process

We understand that credit is an important part of life and our team of credit consultants are devoted to educating consumers improve it as mush as possible. Whether you are purchasing your first home, refinancing your current mortgage, buying a new car or getting the credit cards you always wanted, we are committed to help you reach your goals. The importance of good credit also extends beyond purchases as potential employers also use this information to select the best candidate for the job. Our consultants will attentively review your credit report and design a personalized plan suitable for your specific situation to maximize results. 

Your credit score is very much like a score you would get on a test; you get points for everything positive and points taken away for everything negative. Even though the highest credit score you can achieve according to the FICO algorithm is 850, it is mathematically unobtainable. One single inquiry from a lender to find out your score could drop it 3-6 points. Credit scores in the upper ranges will open up the best interest rates and repayment terms for installment loans and revolving accounts. 

Personalized strategies are created in a case by case scenario in which all the information is thoughtfully examined to achieve the best possible results for all our clients. All applicable guidelines and regulations of the FAIR CREDIT REPORTING ACT are enforced to remove any inaccurate, incomplete, unverifiable or obsolete negative information from your credit report. Our experienced consultants utilize every resource available and to help guide our clients through the intricate process of efficiently restoring their credit and increasing their scores.

Items which negatively affect your credit report and scores:

  • Collections
  • Late Payments
  • Bankruptcy
  • Charge Offs
  • Judgments
  • Tax Liens
  • Foreclosures
  • Short Sale
  • Inquiries
  • Profit & Loss
  • ​Repossessions 



  • Paying off collections will not automatically remove them from your credit report.
  • Debt consolidation vs credit repair.
  • How "piggybacking" / becoming an authorize user can boost your score.
  • Guidelines and regulations paced by the Fair Credit Reporting Act.
  • Multiple inquiries in short period of time will severely impact your credit score.
  • Differences between online scores in comparison to lending institutions.
  • Once a delinquent trade-line is paid off the late payment history does not disappear. 
  • At least one active revolving tradeline and installment is needed to have a true score.
  • Buying a home with a Individual Tax Identification Number.
  • How to expedite procedures used to update changes done to your file.
  • Paying off your mortgage or car loan will not help increase your score.
  • Maxing out credit cards has an immediate negative impact.
  • Not all reports and scores are the same since it varies depending on the industry.
  • Unsecured credit cards, secured credits cards, debit cards & prepaid cards.
  • Good credit is not tied to your income, checking or savings accounts.
  • ​Accounts filed in a bankruptcy are still considered adverse items.
  • Cancelling and/or opening credit cards could decrease your score.


  • Friendly, helpful, and knowledgeable staff.
  • Unlimited disputes.
  • Personal account manager.
  • Counseling regarding credit score algorithms.
  • Useful tips for you and your family.
  • Comprehensive credit report analysis.
  • Disclosure of consumer rights.  
  • Periodic soft pulls to monitor progress.
  • Score tracking through VantageScore 3.0
  • Personalized positive tradeline assessment.
  • Client credit education resources.
  • Monthly updates directly from the bureaus.




Secured Credit Cards

Secured Credit Cards

   Clients looking to quickly boost their scores can use "piggybacking" to rapidly gain positive credit history. This process can help expedite the time it would normally take to increase your scores and get you approved for a big purchase such as a mortgage or an auto loan since it will add years worth of history to the report in a matter of months.

Secured Credit Cards

Secured Credit Cards

Secured Credit Cards

Secured credit cards are specifically designed for newcomers with no previous or current history as well as consumers with low scores caused by negative items present on the credit report. These cards help rebuild your credit history since all transaction activity will be reported to all three credit bureaus on a monthly basis.

Contact Us

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Ideal Credit

215 S. Wadsworth Blvd #520 Lakewood, Colorado 80226, United States

Office - (866) 567-2286 Text - (720) 532-6283 Email - Fax - (720) 307-5031 Mailing Address - Ideal Credit PO BOX 151284 Lakewood, CO 80215 English - Español -

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09:00 am – 06:00 pm