Expertise.com Homepage

2024

Last updated:

Best Credit Repair Companies in Beaumont, TX

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Beaumont 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.

86Reviewed

53Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Beaumont, 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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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

Lexington LawExpertise.com

Beaumont, 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

87 Interstate 10 Frontage Road, Beaumont, TX 77707

Expertise.com Rating

Review Sources

Facebook
5.0 (24)

Why choose this provider?

Dependable Credit Solutions is a credit repair company that caters to residential and commercial clients in Beaumont. It is a family-owned and operated establishment led by Thomas White, who has helped over 1000 clients in the last decade. He and his staff offer to examine the records of each client's financial history. They pinpoint all unverified expenses and file for their removal to creditors, collection agencies, and credit reporting companies. Furthermore, the company can aid victims of identity theft with related credit expenses and restoration.

  • Credit Monitoring

7789 Farm to Market Road 563, Liberty, TX 77575

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

All Star Credit Repair Services is a team of financial advisors that serves Beaumont. They specialize in financial management which may involve improving cash flow through reducing debtor concerns and monitoring invoices to check if they are paid on time, which lessens dependence on bank credit. Furthermore, the credit specialists assist clients in managing receivables, collecting commercial debt, and controlling credit. All Star Credit Repair Services is committed to helping clients achieve both short- and long-term financial goals.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Beaumont, TXFree Credit Evaluation
Lexington Law
Beaumont, TXFree Credit Report Consultation
Dependable Credit Solutions
87 Interstate 10 Frontage Road, Beaumont, TX 77707
All Star Credit Repair Services
7789 Farm to Market Road 563, Liberty, TX 77575

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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...