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Best Credit Repair Companies in Temple, TX

Our Recommended Top 6

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 Temple 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

P.O. Box 45, Hutto, TX 78634 Rating

Review Sources

5.0 (2)

Why choose this provider?

Austin Credit Repair Specialists serves clients in Temple and the surrounding areas. It is a company located in Hutto that helps customers achieve a good credit rating through a full range of credit repair and monitoring services. Its credit repair process includes checking and challenging inaccurate and negative items on credit reports, helping clients build a healthy credit score through a certain credit building system, and ensuring that credit is up to date through regular monitoring.

  • Credit Monitoring

Killeen, TX 76542 Rating

Why choose this provider?

Stevens Wealth Solutions supports clients in and around Temple. It assists individuals who are having problems with their credit ratings. It offers services such as credit repair, consulting, analysis, monitoring, and advice. It advises clients on how to improve their credit scores and create good credit. Its professionals erase unfair and inaccurate negative information such as foreclosures, bankruptcies, late payments, judgments, and collections from reports. In addition, the team offers credit education services. The process at the company normally takes six to nine months.

  • Credit Monitoring
  • Credit Audit

838 Stockdale Rd., Copperas Cove, TX 76522

Why choose this provider?

Credit TuneUp addresses the needs of clients in Temple. The company works with individuals looking to improve their credit scores. It consults clients to analyze their credit reports and determine the factors bringing down their scores. The company works with the client's creditors and credit bureaus to eliminate negative items on the report. These items include late payments, collection accounts, tax liens, foreclosures, bankruptcies, and charge-offs. It offers ongoing monitoring to educate clients on how to maintain healthy credit.

  • Credit Monitoring

Killeen, TX Rating

Review Sources

5.0 (34)
5.0 (17)

Why choose this provider?

Ak Credit Solutions is a locally owned and operated company that serves the residents of Temple and the surrounding areas. Its team of professionals works with credit bureaus, debt collectors, and creditors in order to challenge possibly inaccurate credit report items such as collections, charge-offs, medical bills, tax liens, judgments, and late payments. It also provides its clients with resources for credit building. Ak Credit Solutions has been in operation for more than three years.

  • Credit Monitoring

2112 SW H.K Dodgen LP Suite 183, Temple, TX 76504 Rating

Why choose this provider?

Kirk Financials is a credit repair company that serves Temple. The business helps consumers resolve their credit problems and increase their scores. It evaluates credit reports to identify negative items and disputes inaccuracies with bureaus, collection agencies, and creditors to have them deleted. It corrects personal information such as name spelling, birthdate, employment history, and social security number and advises clients on ways to re-establish positive credit. The company also offers financial coaching and seminars on credit education.

  • Credit Audit

1100 S Industrial Blvd, Round Rock, TX 78681
Website Rating

Review Sources

4.6 (400)
4.5 (25)

Why choose this provider?

ASAP Credit Repair helps businesses and individuals in Temple and surrounding areas. The firm assists clients in improving their credit scores by removing unfair or inaccurate items, such as foreclosures, collections, late payments, and charge-offs. Its professionals review credit reports, create repair and restoration strategies, implement action plans, and educate clients on building positive credit habits. ASAP Credit Repair is a family-owned and family-operated enterprise that has been serving the public since 2013.

  • Credit Monitoring
  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Austin Credit Repair Specialists
P.O. Box 45, Hutto, TX 78634
Stevens Wealth Solutions
Killeen, TX 76542
Credit TuneUp
838 Stockdale Rd., Copperas Cove, TX 76522
Ak Credit Solutions
Killeen, TX
Kirk Financials
2112 SW H.K Dodgen LP Suite 183, Temple, TX 76504
ASAP Credit Repair
1100 S Industrial Blvd, Round Rock, TX 78681


  • 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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