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2024

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Best Credit Repair Companies in Houston, TX

Our Recommended Top 17

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 Houston 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.

1584Reviewed

957Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Houston, TX 77001

Expertise.com Rating

Review Sources

Google
4.8 (5317)
Yelp
2.5 (23)

Why choose this provider?

Credit Saint LLC offers a variety of credit assistance packages to customers in Houston and its surrounding areas. The credit repair company helps customers improve their credit ratings by challenging errors or unverifiable items in their credit histories. Its credit specialists offer their expertise in credit laws and educate customers on what affects their scores. Serving clients nationwide for over 15 years now, Credit Saint is based in New Jersey.

  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Restoration
  • Credit Repair

Houston, TX

Expertise.com Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Houston? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

Houston, TX

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

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.

  • Credit Restoration
  • Credit Repair
  • Credit Dispute
  • CREDITOR NEGOTIATION
  • Credit Audit

5444 Westheimer Road, Houston, TX 77056

Expertise.com Rating

Review Sources

Google
4.0 (20)
Facebook
5.0 (13)

Why choose this provider?

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.

1880 S Dairy Ashford Rd Ste 425, Houston, TX 77077

Expertise.com Rating

Review Sources

Yelp
3.5 (17)
Facebook
4.5 (1)

Why choose this provider?

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.

14340 Memorial Dr, Houston, TX 77079

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (3)

Why choose this provider?

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.

  • Debt Consolidation
  • Credit Dispute

2950 North Loop West, Suite 500, Houston, TX 77092

Expertise.com Rating

Review Sources

Google
4.6 (52)
Facebook
5.0 (27)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Credit Monitoring

1790 Hughes Landing Blvd Ste 400, The Woodlands, TX 77380

Expertise.com Rating

Why choose this provider?

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.

16903 Red Oak Dr, Houston, TX 77014

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

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.

  • Credit Monitoring

40 Cypress Creek Pkwy #383, Houston, TX 77090

Expertise.com Rating

Review Sources

Google
5.0 (25)

Why choose this provider?

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.

  • Debt Consolidation
  • Credit Dispute

Houston, TX

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (6)

Why choose this provider?

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.

2323 S Voss Rd Ste 335, Houston, TX 77057

Expertise.com Rating

Review Sources

Google
4.9 (39)
Facebook
4.8 (24)

Why choose this provider?

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.

  • Credit Audit

5300 N Braeswood Blvd Ste 4-V 609, Houston, TX 77096

Expertise.com Rating

Why choose this provider?

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.

  • Debt Consolidation

2600 South Shore Blvd. Suite 300, League City, TX 77573

Expertise.com Rating

Review Sources

Facebook
5.0 (12)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit

4314 Black Locust Dr, Houston, TX 77088

Expertise.com Rating

Review Sources

Google
5.0 (25)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Debt Consolidation

3100 Timmons Ln Ste 145, Houston, TX 77027

Expertise.com Rating

Review Sources

Facebook
5.0 (52)
Yelp
5.0 (1)

Why choose this provider?

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.

Houston, TX

Why choose this provider?

Simply Credit by Gina caters to individuals in Houston and the neighboring locations. The company handles various tasks, including credit analysis, 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. Simply Credit also conducts one-on-one coaching calls with clients to offer them financial education and respond to their concerns.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Houston, TX 77001Free Credit Evaluation
DPMC Consulting / DPMCUSA LLC
Houston, TX
Classy Credit Repair Services
5444 Westheimer Road, Houston, TX 77056
ASAP Credit Repair
1880 S Dairy Ashford Rd Ste 425, Houston, TX 77077
America's Best Credit and Debt Consultants
14340 Memorial Dr, Houston, TX 77079
Good Credit For Life
2950 North Loop West, Suite 500, Houston, TX 77092
Guaranteed Credit Services LLC
1790 Hughes Landing Blvd Ste 400, The Woodlands, TX 77380
Fresh Start Credit
16903 Red Oak Dr, Houston, TX 77014
Assert Credit Repair
40 Cypress Creek Pkwy #383, Houston, TX 77090
Rise Again Credit Solutions
Houston, TX
Clearone Credit Solutions
2323 S Voss Rd Ste 335, Houston, TX 77057
Quest Credit Solutions
5300 N Braeswood Blvd Ste 4-V 609, Houston, TX 77096
EZ Credit USA
2600 South Shore Blvd. Suite 300, League City, TX 77573
The Credit Xperts
4314 Black Locust Dr, Houston, TX 77088
Impeccable Credit Services
3100 Timmons Ln Ste 145, Houston, TX 77027
Simply Credit by Gina
Houston, TX

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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