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Best Credit Repair Companies in Round Rock, TX

Our Recommended Top 9

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 Round Rock 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.

90Reviewed

57Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Round Rock, TX

Expertise.com Rating

Review Sources

Google
4.8 (6797)

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

Lexington LawExpertise.com

Round Rock, 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.

  • Credit Repair
  • Consumer Credit Services

P.O. Box 45, Hutto, TX 78634

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Austin Credit Repair Specialists offers its services in Round Rock and the nearby areas. It reviews its client's credit report and works with credit bureaus to ensure that any information included in it is up to date. If any accounts are found to be incorrect, the company disputes them updating or removing them from the record. Once the client's credit score is improved, Austin Credit Repair Specialists continues to monitor it, updating clients through reports and alerts, helping them maintain a healthy credit score.

  • Credit Monitoring

1 Chisholm Trail Road, Round Rock, TX 78681

Expertise.com Rating

Why choose this provider?

SmartChoice Credit is a full-service credit repair and restoration firm that serves individuals in Round Rock as well as its neighboring areas. Its team assists clients in restoring their credit rating through personalized disputes of unverifiable credit items. It aims to remove errors including late payments, bankruptcies, and foreclosures. The company features an online portal wherein clients get round-the-clock support through their own personal portals. Additionally, SmartChoice Credit offers live customer support as well as credit building guidance to help clients maintain credit ratings.

  • Credit Audit
  • Credit Dispute

501 Congress Avenue, Austin, TX 78701

Expertise.com Rating

Review Sources

Google
4.0 (18)
Facebook
5.0 (11)
Yelp
4.0 (5)

Why choose this provider?

Elevatemyscores.com is an Austin-based credit repair company that serves the Round Rock area. Its team helps clients improve their credit scores through coaching and consultations, which involve getting in touch with one of its FICO-certified credit specialists who will analyze clients' credit reports, address negative items, and design credit coaching plans accordingly. Clients are informed of the entire process before the credit restoration program begins, and the duration lasts between four to six months.

  • Credit Dispute

1840 Burton Drive, Austin, TX 78741

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Credit Roadrunner is a credit repair company that serves Round Rock and the neighboring cities. Its professionals help clients repair their credit scores that have been damaged by various situations, including identity theft, late payments, defaults, and foreclosures. The company offers credit counseling, as well as disputing incorrect information and unapproved credit inquiries. Credit Roadrunner has over 40 years of experience in the industry. It helps clients improve their credit ratings, enabling them to receive good rates for auto loans and save on insurance premiums.

  • Credit Dispute

3000 Joe Dimaggio Boulevard, Round Rock, TX 78665

Expertise.com Rating

Review Sources

Google
4.0 (32)
Facebook
5.0 (11)
Yelp
4.5 (3)

Why choose this provider?

Rock Credit Repair is a local credit repair and restoration firm that serves individuals in Round Rock and the surrounding areas. It aims to assist clients in restoring their credit ratings through thorough analysis and personalized consultation. Unverifiable or inaccurate items such as repossessions, late payments, collections, bankruptcies, and credit card debts are reported and disputed with Experian, TransUnion, Equifax, and Innovis in order to help improve consumers' credit ratings. The firm also offers debt negotiation, credit consulting, and mortgage assistance.

  • Credit Monitoring

901 South MoPac Expressway, Austin, TX 78746

Expertise.com Rating

Review Sources

Google
4.0 (41)
Facebook
5.0 (15)
Yelp
5.0 (1)

Why choose this provider?

Austin-based Good Credit For Life provides resolutions to improve clients' credit scores. Its specialists aim to eliminate negative items from credit reports while providing personalized credit counseling to help achieve the maximum score required in getting loan approval. GC4L assists clients become qualified buyers, especially for home and car purchases. The team at GC4L deals with various negative items on the consumer credit report, including credit inquiries, charge-offs, and judgments. Additionally, it offers identity theft services.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Dispute

1000 Heritage Center Circle, Round Rock, TX 78664
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (3)

Why choose this provider?

ASAP Credit Repair is a team of credit score specialists that serves the Round Rock area. They handle the entire process, which includes analyzing clients' credit reports in order to identify negative items, such as late payments, inquiries, public records, bankruptcies, and collections. Furthermore, the professionals work with credit bureaus to address report inaccuracies. In addition to repairing credit, they educate clients on credit scores and the ways to keep getting points to increase them.

  • Debt Consolidation

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Round Rock, TXFree Credit Evaluation
Lexington Law
Round Rock, TXFree Credit Report Consultation
Austin Credit Repair Specialists
P.O. Box 45, Hutto, TX 78634
Smart Choice Credit
1 Chisholm Trail Road, Round Rock, TX 78681
Elevatemyscores.com
501 Congress Avenue, Austin, TX 78701
Credit Roadrunner
1840 Burton Drive, Austin, TX 78741
Rock Credit Repair, LLC
3000 Joe Dimaggio Boulevard, Round Rock, TX 78665
Good Credit For Life
901 South MoPac Expressway, Austin, TX 78746
ASAP Credit Repair
1000 Heritage Center Circle, Round Rock, TX 78664

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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