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Best Credit Repair Companies in Mesquite, TX

Our Recommended Top 7

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 Mesquite 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.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

Mesquite, TX Rating

Review Sources

4.8 (8774)
2.5 (26)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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


Mesquite, TX
Free Credit Report Consultation Rating

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.

  • Credit Repair
  • Consumer Credit Services

12750 Merit Dr #400, Dallas, TX 75251 Rating

Review Sources

4.0 (1035)
4.0 (838)

Why choose this provider?

MSI Credit Solutions is a credit repair company that caters to clients in Mesquite and the surrounding areas. Its services include identifying errors within the clients' credit reports and disputing the information in question. This firm has handled various items, such as bankruptcies, charge-offs, collections, foreclosures, and judgments. It also removes late payments, personal information, and repossessions. MSI Credit Solutions is a member of the National Association of Credit Services Organizations and has earned the Standards of Excellence Seal.

2435 North Central Expressway, Richardson, TX 75080 Rating

Review Sources

4.4 (7)
5.0 (1)

Why choose this provider?

Acquired Consumer Credit Repair helps clients in the Mesquite area to improve their credit with its Multi-Stage System Process, a system that monitors credit responses from creditors. Its credit restoration services include foreclosure, repossession, and identity theft recovery, allowing clients to reduce damages and rebuild their credit. The company also focuses on finance, including personal finance, credit reporting, mortgages, and collections. Acquired Consumer Credit Repair has been in the credit repair sector for over 50 years.

  • Credit Audit

5050 Quorum Drive, Dallas, TX 75254 Rating

Review Sources

5.0 (11)

Why choose this provider?

Geek Credit Repair caters to independent professionals and business owners in Mesquite and the surrounding areas. The company provides credit repair services, working with collectors, creditors, and credit bureaus. It helps clients raise their credit score, deal with debt collectors and settlements, and rebuild their credit. Its professionals also perform credit analysis and aim to remove any inaccurate information on its customers' accounts. In addition, Geek Credit Repair offers options for credit monitoring and legal assistance.

  • Credit Dispute

3839 McKinney Avenue, Dallas, TX 75204 Rating

Review Sources

5.0 (5)

Why choose this provider?

Twenty4Seven Credit Repair LLC is a credit repair company located in Dallas. It also caters to clients in Mesquite and nearby areas. Its services include consultation, credit score improvement, and debt settlement. It works directly with the credit bureaus and creditors and has experience disputing a wide range of items, such as collections, inquiries, judgments, and late payments. Twenty4Seven Credit Repair focuses on customer service by walking clients through the entire process of credit restoration.

  • Credit Dispute

8330 Lyndon B Johnson Freeway, Dallas, TX 75243 Rating

Review Sources

4.0 (114)
5.0 (38)

Why choose this provider?

Lenders Choice Credit Solutions is a credit counseling service provider that serves clients in Mesquite. It specializes in helping clients improve their credit ratings, which allows them to buy homes, find apartments, or start new jobs. The owner is a Texas attorney who is well-versed in the use of federal laws that govern credit bureaus, including the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act. Lenders Choice Credit Solutions has helped more than 10,000 clients.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Mesquite, TXFree Credit Evaluation
Lexington Law
Mesquite, TXFree Credit Report Consultation
MSI Credit Solutions
12750 Merit Dr #400, Dallas, TX 75251
Acquired Consumer Credit Repair
2435 North Central Expressway, Richardson, TX 75080
Geek Credit Repair
5050 Quorum Drive, Dallas, TX 75254
Twenty4Seven Credit Repair LLC
3839 McKinney Avenue, Dallas, TX 75204
Lenders Choice Credit Solutions
8330 Lyndon B Johnson Freeway, Dallas, TX 75243


  • 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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