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Best Credit Repair Companies in Allen, TX

Our Recommended Top 13

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Allen Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

81Reviewed

53Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Allen, TX

Expertise.com Rating

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

  • Money Back Guarantee
  • Credit building
  • Credit Restoration
  • Credit Audit
  • Credit Repair
Lexington Law logo

Lexington LawExpertise.com

Allen, TX
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Consumer Credit Services
  • Credit Repair

​2150 S Central Expy Suite 200, McKinney, TX 75070

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

DTB Credit Solutions handles the needs of individuals in Allen and its surrounding communities. The company offers clients various credit repair solutions, including consultations, in-depth analysis, and credit recommendations. Its services include working alongside credit bureaus and creditors to challenge negative report items, providing assistance to maximize scores, educating clients on how to maintain credit, and giving them 24/7 access to their accounts. DTB Credit Solutions also offers email notifications, bank-level security, and marketing tools for its professional partners.

  • Credit Audit

3930 Glade Rd. Suite 108-224, Colleyville, TX 76034

Expertise.com Rating

Review Sources

Google
4.8 (28)

Why choose this provider?

KCMS Financial Group, LLC is a credit repair company that serves individuals in Allen and nearby areas. It conducts personalized credit evaluation and a full audit to help restore credit scores based on the financial goal of each client. The company provides credit education to aid clients in maintaining credit health. KCMS Financial Group was founded in 2012 by Maria Smith after falling victim to a credit repair scam and built the company on a foundation of trust.

  • Debt Consolidation
  • Credit Audit

1400 Preston Rd. Ste 400, Plano, TX 75093

Expertise.com Rating

Review Sources

Facebook
5.0 (14)

Why choose this provider?

C&S Credit Repair and Consultants, LLC caters to the needs of individuals and businesses in Allen and neighboring areas. The company, which is composed of credit strategists with 10 years of combined experience, focuses on various credit repair services, including offering personalized consultations, identifying and executing tailored plans, and providing custom dispute letters on their clients' behalf. It also offers clients 24/7 access to their case status and updated information and provides financial coaching and counseling, credit training, and workshops.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

1509 Mercury Circle, Mckinney, TX 75071

Expertise.com Rating

Review Sources

Google
4.7 (39)
Facebook
5.0 (5)
Yelp
2.1 (5)

Why choose this provider?

Sperity is a full-service credit repair company that serves clients in Allen and the surrounding localities. The firm provides individuals with professional guidance in rebuilding their credit scores and reclaiming financial freedom. Its credit repair specialists remove unwarranted mistakes and inaccurate information from their client's credit reports. These include late payments, tax liens, foreclosures, repossessions, and bankruptcies. The team also advises clients on long-term smart buying decisions. Angela Reston, the firm's current CEO, has over 15 years of credit and finance experience.

  • Credit Monitoring

Forney, TX

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (7)

Why choose this provider?

Rapid Credit Repair Services assists individuals throughout Allen. The firm provides clients with credit consulting and counseling solutions, helping them obtain better purchasing power, improve job opportunities, and lower finance charges on credit card balances and loans by raising their credit scores. It contacts creditors on clients' behalf and sends legal documentation to credit bureaus and collection companies to remove unverifiable negative accounts from customers' credit profiles. CEO Christi Rose is a board-certified credit consultant who has been in the industry for half a decade.

  • Credit Monitoring
  • Credit Dispute

1024 S. Greenville Ave., Suite 130, Allen, TX 75002

Expertise.com Rating

Why choose this provider?

US Best Credit Solutions caters to individuals in Allen and its surrounding communities. The company has been in the industry for over 25 years, providing credit restoration and education services. Its team members consist of credit specialists, processors, researchers, and attorneys. They aim to remove unwanted items on the client's reports and utilize federal laws in place to protect their consumer rights. The company serves as a member of the National Association of Credit Services Organizations.

  • Debt Consolidation

2626 Cole Ave. Suite 300, Dallas, TX 75204

Expertise.com Rating

Review Sources

Facebook
4.6 (439)
Google
4.8 (416)
Yelp
1.9 (10)

Why choose this provider?

AMB Credit Consultants is a company that serves Allen. It aims to help individuals whose financial lives have been impacted by having poor credit and resolves to improve their situation. It provides line-by-line review of credit reports to check for any errors and discrepancies and challenges their validity with collection agencies, credit bureaus, and creditors on their behalf. Its “Empowerment Program” equips clients with the tools to obtain and maintain their credit. AMB Credit Consultants was founded in 2007.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

825 Watter's Creek Blvd, Suite 250, Allen, TX 75013

Expertise.com Rating

Review Sources

Google
4.7 (19)
Facebook
5.0 (17)

Why choose this provider?

RDT Credit Solution LLC provides solutions for individuals in Allen to repair and improve credit scores. It offers personal credit restoration packages that include credit audit and analysis and financial management consultation. The company assists in removing negative items from reports, including bankruptcy, evictions, late payments, repossessions, and public records. It also handles business credit and funding with coaching, entity setup, and credit building. RDT Credit Solution is a member of the Credit Consultants Association.

  • Debt Consolidation

375 Adriatic Parkway, #2205, McKinney, TX 75072

Expertise.com Rating

Why choose this provider?

Repair My Credit Now assists clients in Allen and the surrounding communities restore their financial lives. It cleans out credit history by removing bad records such as slow payments, charge-offs, bankruptcies, and foreclosures. Its team also gets rid of discrepancies present in its clients' credit reports. It delivers its services by auditing three credit bureaus, running audits and raising creditor disputes, making necessary adjustments, and deploying installments and revolving credit options. The company has been in service since 1997.

  • Credit Audit

3131 Mckinney Ave., Suite 600, Dallas, TX 75204

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
5.0 (10)

Why choose this provider?

Rosewood Credit caters to customers in the Allen metro and the surrounding communities. It offers credit repair services, which help individuals minimize their debts and improve their credit scores. Its process involves investigating inaccurate and unverifiable reporting information, creating and sending personalized dispute letters to the credit bureaus and creditors, and escalating the disputes. It also corrects wrong personal information, such as names, addresses, and Social Security numbers. Rosewood Credit provides consultations and assists with budgeting, debt management, and financial goal setting.

  • Credit Audit

550 North Central Expressway #2332, McKinney, TX 75070

Expertise.com Rating

Review Sources

Google
4.9 (35)
Facebook
5.0 (11)

Why choose this provider?

P&P Credit Services caters to clients in Allen. The company provides a wide range of credit repair solutions that can help clients rebuild their credit scores and settle debts. Its credit repair experts conduct a thorough analysis of a credit report and remove inaccurate or unverified information such as charge-offs, repossession, collections, late payments, and student loans. The team also prepares dispute letters for major credit bureaus and creditors. The company has been serving clients for over 20 years.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Allen, TXFree Credit Evaluation
Lexington Law
Allen, TXFree Credit Report Consultation
DTB Credit Solutions
​2150 S Central Expy Suite 200, McKinney, TX 75070
KCMS Financial Group, LLC
3930 Glade Rd. Suite 108-224, Colleyville, TX 76034
C&S Credit Repair and Consultants, LLC
1400 Preston Rd. Ste 400, Plano, TX 75093
Sperity
1509 Mercury Circle, Mckinney, TX 75071
Rapid Credit Repair Services
Forney, TX
US Best Credit Solutions
1024 S. Greenville Ave., Suite 130, Allen, TX 75002
AMB Credit Consultants
2626 Cole Ave. Suite 300, Dallas, TX 75204
RDT Credit Solution LLC
825 Watter's Creek Blvd, Suite 250, Allen, TX 75013
Repair My Credit Now
375 Adriatic Parkway, #2205, McKinney, TX 75072
Rosewood Credit
3131 Mckinney Ave., Suite 600, Dallas, TX 75204
P&P Credit Services
550 North Central Expressway #2332, McKinney, TX 75070

FAQs

  • How long does a repo stay on your credit report?

    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.

  • Do credit repair companies work?

    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.

  • How long does it take to repair credit?

    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
  • Can I repair my own credit?

    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.

  • Can credit repair companies remove charge offs?

    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.

  • Can credit repair companies remove bankruptcies?

    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.

  • Can a credit repair company remove late payments?

    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.

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