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Best Credit Repair Companies
2022

The Best Credit Repair Companies
Here Are The Top Credit Repair Companies
Houston Credit Repair

Houston Credit Repair

Houston Credit Repair assists residents of local communities in reaching their financial goals. The company oversees credit repair programs that involve consultations and enrollment, credit report analyses, and credit bureau coordination. It also provides removal services to address negative reports like foreclosures, collections, student loans, tax liens, repossessions, and late payments. Its professionals develop customized action plans, create credit-building techniques, and conduct financial coaching sessions to help clients maintain improved credit scores.

Houston, TX 77040

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America's Best Credit and Debt Consultants

America's Best Credit and Debt Consultants

America's Best Credit and Debt Consultants is a credit repair and debt settlement company that aims to improve clients' credit ratings quickly, legally, and effectively. Serving individuals in the Houston metro and the neighboring areas, its credit counselors research credit histories and challenge all information that is inaccurate, outdated, or unverifiable. After scores have improved, the firm continues to monitor, educate, and update clients, so they can be more empowered to maintain their good credit standing.

Houston, TX 77079

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Credit Glory Credit Repair

Credit Glory Credit Repair

Credit Glory is a credit repair firm that serves the Houston area. The company helps clients repair their credit by identifying and challenging credit report inaccuracies related to charge-offs, late payments, and incorrect balances. In addition to its single-dispute services, the company offers tiered credit repair packages that provide assistance with multiple disputed charges. Credit Glory's streamlined sign-up helps clients quickly get the credit repair process underway, and the company handles all related paperwork and communications with creditors and bureaus.

Missouri City, TX

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Assert Credit Repair

Assert Credit Repair

Established in 2000, Assert Credit Repair is a full-service credit repair agency that aims to help clients in and around Houston improve their credit scores and financial status. Its credit counselors assist clients in improving their credit scores by thoroughly analyzing credit reports and challenging any discrepancies from clients' profiles. After scores have improved, the company's credit counselors educate clients so that they can be more empowered to improve their creditworthiness and maintain their good credit standing.

Houston, TX 77090

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Quest Credit Solutions

Quest Credit Solutions

Quest Credit Solutions is a credit consulting company that offers credit restoration, debt relief, credit building, and credit education services. Serving Houston and the nearby communities, its credit counselors oversee the thorough analysis of a client's record and proceed to disputing and challenging inaccurate, erroneous, and obsolete information from credit profiles. Its professionals also educate clients so that they can be more empowered to build and maintain their good credit standing. The firm was established in 2019 and also assists with private and federal student loan relief.

Houston, TX 77096

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Credit Recovery Group

Credit Recovery Group

Credit Recovery Group serves individuals and companies in and around Houston. Its professional credit counselors assist individuals in improving their credit ratings. They review the clients' credit and help identify their credit reports' incorrect, outdated, and unverifiable records. The firm also gives clients access to its credit restoration portal 24/7 to check real-time updates of their credit progress. Credit repair services for corporates' workforce are also available. Its credit specialist, Rosie Rosin, is also fluent in the Spanish language.

Houston, TX 77074

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Fresh Start Credit

Fresh Start Credit

Fresh Start Credit is a financial services company that serves clients across the Houston metro and nearby areas. The company provides credit repair solutions through credit analysis and dispute management. It has experience dealing with both consumer and business credit. The company also maintains a dedicated online portal for clients to access credit education materials and case status updates. Fresh Start Credit offers credit software services for tax professionals, lawyers, real estate agents, and car dealers.

Houston, TX 77014

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Elite Credit Repair Services

Elite Credit Repair Services

Elite Credit Repair Services caters to clients in Houston and the surrounding areas. The company helps individuals with bad credit scores in repairing and establishing their credit. Its team contests for the accuracy and verifiability of account information on its customers' credit reports. It has experience in dealing with charge-offs, judgments, collections, student loans, and repossessions. The business also aids individuals who are filing for identity theft claims in navigating the process. A client received a deletion letter for multiple accounts after only 45 days.

Houston, TX 77060

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Red Brick Credit Repair

Red Brick Credit Repair

Red Brick Credit Repair aims to help consumers in Houston gain strong credit knowledge and financial confidence. The firm guides clients on how to improve their credit scores through its consultation services which entail an extensive review of items on their credit reports and the removal of any erroneous information listed. Adhering to credit reporting laws and practices, it contacts creditors on behalf of clients to repair negative items such as bankruptcy, foreclosure, repossession, student loan debt, and medical bills.

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Credit Repair Solutions, LLC

Credit Repair Solutions, LLC

Credit Repair Solutions, LLC, is a firm serving the Houston metro. The company evaluates credit and guides its customers to assert their legal rights. It provides a 24-hour status update for clients and partners from any computer or smartphone, offering email notifications, bank-level security, and credit education. The company partners with real estate, mortgage, and tax professionals, as well as auto dealers and attorneys, providing them with marketing tools to use in order to avoid making costly errors.

Houston, TX 77060

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Expert Answers To Common Questions:

  1. How long does a repo stay on your credit report?
  2. Do credit repair companies work?
  3. How long does it take to repair credit?
  4. Can I repair my own credit?
  5. Can credit repair companies remove charge offs?
  6. Can credit repair companies remove bankruptcies?
  7. Can a credit repair company remove late payments?
  8. Is credit repair legal?
  9. How do you repair credit after identity theft?
Q: How long does a repo stay on your credit report?
A:
A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.
Q: Do credit repair companies work?
A:

Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

Q: How long does it take to repair credit?
A:

Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

  • Inaccurate late payment: 30-45 days
  • Inaccurate missed payment: 30-45 days
  • Numerous issues from multiple creditors: A few months
  • Fraud or identity theft: Several months to a year or more
  • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
Q: Can I repair my own credit?
A:

Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

Q: Can credit repair companies remove charge offs?
A:

Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

Q: Can credit repair companies remove bankruptcies?
A:

A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

Q: Can a credit repair company remove late payments?
A:
Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.
Q: Is credit repair legal?
A:
Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.
Q: How do you repair credit after identity theft?
A:

Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.