Best Credit Repair Companies 2022
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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.
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neighboring areas, its credit counselors research credit histories and challenge all information that is inaccurate, outdated, or unverifiable.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.
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.
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.
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.
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.
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.
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.
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.
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.
Impeccable Credit Services
Founded in 2004, Impeccable Credit Services is a credit repair agency in Houston that focuses on improving credit scores and the financial health of individuals and businesses. The credit specialists on staff dispute negative and unverifiable items they find on clients' credit reports. Additionally, they help businesses establish new positive trade lines and handle tax liens, judgments, collection accounts, and foreclosures. Besides assisting with charge offs, student loans, repossessions, late payments, and bankruptcies, Impeccable Credit Services also offers credit education.
Credit Diva
Credit Diva offers credit repair services in the Houston area. Founder Valerie Wells and her team help clients improve their credit scores and manage their money to achieve their long-term financial goals. The services include securing loans at lower interest rates. Credit Diva disputes all derogatory items in credit reports from Experian, Equifax, Transunion, and ChexSystems. Clients are also guided on how to pay their debts and monitor their credit scores and accounts.
Simply Credit by Gina
Simply Credit by Gina caters to the needs of individuals in Houston and neighboring locations. The company specializes in various services, which include credit analysis, custom disputes, monthly monitoring, and credit rebuilding. Its professionals are qualified in challenging questionable negative items on credit reports, verifying them, monitoring credit files, and addressing any further issues. They can handle short sales, foreclosures, charge-offs, and late payments. The company also provides clients with one-on-one coaching calls to offer them financial education and respond to their concerns.
Texas Best Credit Repair
Texas Best Credit Repair is a credit repair company that serves the greater Houston area. The company specifically focuses on the real estate industry, helping clients get approved for home loans. Its credit repair process involves conducting a multi-part audit of existing credit reports and collections, directly contacting creditors and collectors, disputing any inaccurate information, and providing an online portal for customers to track the progress of credit repair procedures.
DPMC Consulting / DPMCUSA LLC
DPMC Consulting / DPMCUSA LLC is a Credit Consulting Firm that specializes in both consumer and commercial business credit repair and restoration. They have 31 years of Service with an A+ BBB Rating. They perform an initial in-depth credit report analysis of all four credit bureau reports to identify credit and debt-related issues. Their debt verification process targets all negative trade-lines reported including; unverifiable inaccurate and obsolete items or accounts opened due to identity theft or credit fraud. They correct and update personal information reported including name, addresses, phone numbers, current and previous employment history, and verify your social security number. Additional services include; defaulted student loan rehabilitation and resolution, creditor negotiation and settlement, bankruptcy recovery and prevention, identity theft and credit fraud resolution, civil judgment and lien resolution, and time-share and mortgage deed-back services. Services are available nationwide and internationally for U.S. armed service members or U.S. citizens abroad.
Clover Credit Solutions
Clover Credit Solutions works with clients in and around Houston. The company assists individuals in improving their credit rankings and correcting errors on their credit records. It negotiates with credit bureaus and clients' lenders to dispute negative items on their credit reports that affect their scores. Clients can use their credit restoration account 24/7 to track their credit progress. Clover Credit Solutions also collaborates with industry professionals to help their credit-challenged clients. The partner program includes marketing tools and credit education.
Repair and Boost Your Credit Score
Repair and Boost Your Credit Score is a local business based in Houston. It offers full-service credit restoration, which involves addressing inaccurate and unfair negative report items through dispute letters. To cater to clients' different needs, the company offers three different credit repair programs, including the Premium plan. This plan caters to clients with critically damaged credit, mortgage denials, and excessive mortgage rates. It includes customer support seven days a week and multiple appeals to credit bureaus.
Credit Repair Houston - 777 Credit Repair Service
Credit Repair Houston - 777 Credit Repair Service serves people in the metro and nearby areas. The company offers credit consultancy services for people who have low credit scores. It assists clients in the removal of their late payments, charge-offs, and bankruptcies. The company also has services that will aid clients in eliminating repossessions, foreclosures, and judgments. Credit Repair Houston was established in 2003 and had been striving to improve the credit scores of its clients every month since.
Classy Credit Repair Services
Classy Credit Repair Services helps the residents of Houston improve their credit scores and financial habits. Its credit specialists assist in identifying inaccurate credit report items and submit disputes to the credit bureaus for their removal. These items include errors and aged derogatory accounts. They also conduct consultations to set clients' credit goals, offer a pay-per-delete program, and provide credit building and student loan assistance. Founder Tempestt Luckett dealt with bad credit herself in 2014 and established Classy Credit Repair Services after accomplishing her credit goals.
Expect More Restoration Services LLC
Expect More Restoration Services provides credit repair services to clients in Houston. With extensive knowledge of consumer rights and laws, the agency works with clients to determine discrepancies, such as bankruptcy, collection, and charge-off errors, on credit reports. The agency then uses conventional dispute methods to clear the derogatory marks by directly contacting the appropriate creditors and credit bureaus. Additionally, Expect More Restoration Services works with clients dealing with identity theft, fraud, and negative settlement issues.
Help My Scores
Help My Scores offers professional credit repair services in Houston to consumers needing assistance with improving their credit scores. Its expert team reviews credit reports searching for any inaccuracies that may be affecting a client's overall credit rating. On a client's behalf, the company sends out dispute letters to creditors to have negative items removed and achieve the desired credit score. Help My Scores also helps clients get approved for home, auto, and other financial loans.
Clearone Credit Solutions
Clearone Credit Solutions is a local credit repair and restoration firm that serves individuals in Houston and the surrounding areas. Its English- and Spanish-speaking credit counselors assist clients in improving their credit scores by legally disputing and challenging inaccurate, erroneous, and obsolete information from credit profiles. Clients are also able to access their accounts online for real-time updates regarding their credit reports and scores. Additionally, the company offers credit audits and education to help individuals build and maintain their improved credit scores.
Law Office of David A. Fernandez, P.C.
Law Office of David A. Fernandez, P.C is a law firm that serves the credit repair needs of clients in the Houston metro. The company repairs credit and improves the client's economic situation by reviewing credit, determining solutions on report errors, negotiating with credit reporting agencies, and advocating for the client in case of a lawsuit. It also has lawyers who represent chapter 7 bankruptcy and debt defense. The firm's lead attorney, David A. Fernandez, started the firm in 1992, focusing on civil law and personal injury.
EZ Credit USA
EZ Credit USA provides credit counseling services to individuals from Houston and the neighboring areas. The company offers attorney-based credit restoration and credit building programs. Its team assists clients in removing negative information from their reports like liens, charge-offs, judgments, collections, repossessions, and foreclosures. In addition, the business has a credit education program that helps individuals restore their credit and achieve financial freedom. EZ Credit USA was founded by Eric Edwards, who experienced first-hand the disadvantages of having bad credit.
755Creditscore.com
755Creditscore.com has been offering credit repair services in Houston and the surrounding areas for more than 15 years. It works with creditors to challenge unfair, inaccurate, and negative items on affected credit reports. The credit specialists on staff assist with timeshare deletions, charge-offs, judgments, collections, bankruptcies, and federal tax liens. They also handle late payments. 755Creditscore.com has a credit repair program that includes daily credit monitoring and notifications as well as financial education.
The Credit Agents
Opened in 2012, The Credit Agents is a credit repair company in Houston. With a pay-per-deletion pricing structure, the company aggressively challenges any credit report inaccuracies, including outdated and unverifiable information, by contacting the appropriate creditors and credit bureaus to resolve the issues. The Credit Agents offers customizable action plans that assess clients' financial goals and provide ongoing credit mentoring to clients. Additionally, The Credit Agents assist businesses with acquiring lines of credit.
The Credit Xperts
The Credit Xperts has been serving individuals in the Houston metro for more than a decade. The company, which has a number of locations across the US, assists clients in improving their credit scores. Its certified staff members examine clients' credit reports and dispute inaccurate items that affect their scores. Since its inception, The Credit Xperts has helped clients resolve issues surrounding collection accounts, charge-offs, past due payments, bankruptcies, student loans, and tax liens. Its practices adhere to the Fair Credit Reporting Act.
Good Credit For Life
Good Credit For Life is a Houston-based credit repair company. Its services aim to eliminate negative items from credit reports while providing personalized credit counseling, allowing clients to achieve their maximum score. Its specialists work on negative items on the consumer credit report, including credit inquiries, charge-offs, and even judgments. They also offer identity theft services, reducing the risk of its occurrence by using credit monitoring procedures. The company aims to stay true to its name by providing lifetime credit counseling for its past customers.
Rise Again Credit Solutions
Rise Again Credit Solutions is a financial services firm that caters to clients across the Houston metro and nearby areas. It works to improve clients' credit scores by removing inaccurate information, like late payments and inquiries. It also disputes information related to repossessions, student loans, and medical bills. Clients can submit a quote request on the company's website. Rise Again Credit Solutions owner Cecilia Campos is a former credit repair specialist for a Houston-based law office. She volunteers as a team lead for the non-profit organization Elijah Rising.
Guaranteed Credit Services LLC
Guaranteed Credit Services LLC is a full-service credit repair agency serving clients in the Houston metro area. The agency offers affordable payment plans for credit restoration. When negative items, such as collections, late payments, or judgements, adversely affect credit scores, Guaranteed Credit Services contacts creditors, debt collectors, and credit bureaus to remove derogatory accounts. With a mission to assist clients with their financial goals, the agency works to boost credit and buying power for future purchases.
BH Credit Financial
BH Credit Financial, a credit repair company in Houston, provides education and financial management resources to help clients restore their credit reputations. It works with credit bureaus and creditors to remove misleading and inaccurate negative information from consumer credit reports. Its employees have training in recent laws and credit reporting practices, enabling them to provide line-by-line credit report evaluation, launch disputes, and monitor credit profiles. BH Credit Financial also prepares taxes and offers tools and education for dealing with low credit scores.
Crofton Financial Group
Crofton Financial Group is a credit repair agency in Houston that has helped individuals improve their credit reports since 2013. The company offers credit analysis, debt verification, dispute letter writing, monthly credit updates, and credit education. Clients can also benefit from student loan negotiation and Chexsystems verification and disputes. Crofton Financial Group is a certified Women's Business Enterprise, Minority Business Enterprise, and a member of the Statewide Historically Underutilized Business Program.
Xpert Credit Repair
XPert Credit Repair is a full-service credit repair agency in Houston. With a pay-after-deletion pricing structure, the agency completes a full credit review and audit to create customized plans that meet the needs of clients. The agency then contacts creditors, debt collectors, and credit bureaus to remove inaccuracies, such as late payments, collections, judgements, or charge-off errors. If legal violations or issues arise during the credit restoration process, the agency partners with consumer credit attorneys to resolve issues.
ASAP Credit Repair
ASAP Credit Repair was founded in 1998 to provide credit repair services in Houston. The firm evaluates credit reports, corrects errors, and delivers positive results. Credit experts help in handling disputes and removing items such as late payments, collections, foreclosure, repossessions, bankruptcies, credit fraud, and judgments. The firms has credit monitoring services to prevent errors that may impact future credit decisions from appearing on reports. ASAP Credit Repair also offers financial education resources that help individuals maintain good credit.
Beyond Taxes
Beyond Taxes provides financial consulting to clients in the Houston area. Founded in 2014, the company handles credit repair services including dispute with all three credit bureaus of inaccurate negative and incorrect items. It offers an increased credit score in 90 days and monthly one-on-one consultations. The company's experienced team guides clients during the credit repair process and teaches them how to manage positive lines of credit. It also offers money management services.
A+ Your Credit Grade
A+ Your Credit Grade is a local company that offers credit repair services for clients in Houston and the surrounding areas. Its team of specialists is knowledgeable about all applicable regulations, statutes, and credit reporting standards. They conduct a private evaluation as part of the credit and debt counseling. They also contact creditors on clients' behalf and send the documentation and other information to begin the process of rebuilding credit. Business credit repair service is also available.
Ang Credit Solutions
Ang Credit Solutions is a credit repair company in Houston. It offers services such as guidance on rebuilding good credit, consultation on bill management, and removal of negative or inaccurate information that lower scores on credit reports. Other areas of the reports focus on removing multiple listings from the same account and forcing predatory lending companies to accept favorable payment plans. Ang Credit Solutions provides credit repair services for divorcing couples, businesses, and military personnel.
700 Plus Credit, LLC
700 Plus Credit, LLC, is a credit repair agency in Houston that serves individuals in and around the local area. Its credit counselors provide assistance in repairing credit by working with challenging inaccurate items on clients' credit reports. After scores have improved, the firm continues to update and educate clients, so they can be more empowered to maintain their good credit standing. Clients may also opt for the agency's credit monitoring services to help protect their financial or personal information against identity theft.
Tax Doctors
Tax Doctors serves individuals and medium and small-sized businesses in the community of Houston. It provides credit repair services, helping eliminate debts, improve credit ranking, and create financial safety nets. It thoroughly assesses the customers' credit reports and focuses on the behaviors for good credits, such as budgeting and educating clients with their rights, banking, and credit strategies. Its team assists and guides clients throughout the credit repair and restoration process. Tax Doctors also offers tax preparation services.
Phillips Credit Services
Phillips Credit Services guides customers in Houston and the surrounding areas. It provides a wide range of services, including business credit and funding, life insurance, personal credit and funding, and credit-building products. The company uses aggressive disputing strategies and tactics to challenge negative items on the credit report with the credit bureaus. Its team of professionals offers a 20-minute phone consultation and discusses a client's goals and current situation. Additionally, Phillips Credit Services also educates customers on how to use their credit properly.
Expert Answers To Common Questions:
- How long does a repo stay on your credit report?
- Do credit repair companies work?
- How long does it take to repair credit?
- Can I repair my own credit?
- Can credit repair companies remove charge offs?
- Can credit repair companies remove bankruptcies?
- Can a credit repair company remove late payments?
- Is credit repair legal?
- 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.
