Expertise.com

Best Credit Repair Companies in Austin

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Austin, TX
Visit WebsiteWebsite
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint is a financial services company catering to clients in Austin. The company specializes in credit monitoring and dispute monitoring for clients having issues with their credit history and standing. Credit Saint offers a comprehensive list of credit monitoring and assistance, which includes credit polish, remodeling, and clean slate services. The programs focus on credit score analysis, inquiry tracking, and creditor interventions. Each Credit Saint package is designed to fit various needs, allowing clients to choose a suitable plan to help improve their financial and credit history.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free credit evaluation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Austin, TX
  • Credit Repair
  • Consumer Credit Services

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (4182)
Facebook
4.3 / 5 (2869)

Price: Free Credit Report Consultation

ASAP Credit Repair logo
Visit WebsiteWebsite

ASAP Credit Repair

1401 Lavaca Street, Austin, TX 78701
Visit WebsiteWebsite

Business Description

ASAP Credit Repair is an Austin-based credit repair specialist. It helps clients improve their credit scores by removing credit fraud, bankruptcies, charge-offs, late payments, foreclosures, and judgments from credit reports. The company's credit repair process includes a credit report examination. It also covers coordinating with credit bureaus to dispute inaccurate items included in the credit report. Part of the agency's service is educating clients on how they can increase and maintain a positive credit score.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
5.0 / 5 (14)
Google
5.0 / 5 (7)
Austin Credit Repair Specialists logo
Visit WebsiteWebsite

Austin Credit Repair Specialists

388 Exchange Boulevard, Hutto, TX 78634
Visit WebsiteWebsite

Business Description

Austin Credit Repair Specialists serves Austin and the surrounding areas. The company's credit repair specialists help clients who are struggling to improve their credit scores through credit repair, credit building, and credit monitoring services. They check each client's credit reports and can challenge an entry that has a negative impact on the total score. They also give recommendations about steps the client can take to pull the scores up further. Austin Credit Repair monitors client's scores and provides updates on any changes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)
BCR Consulting logo
Visit WebsiteWebsite

BCR Consulting

1800 Lavaca St, Suite 109, Austin, TX 78701
Visit WebsiteWebsite

Business Description

Better Credit Reports Consulting, founded in 2008 and commonly referred to as BCR Consulting, is an Austin, Texas based company offering credit repair and consulting services based on expertise obtained over many years of dealing with various credit related issues...mortgages, auto loans, etc. BCR Consulting, the first company to offer pay for deletion credit repair, has an A+ rating with the Better Business Bureau. BCR Consulting's credit restoration service includes the creation and mailing custom dispute letters to creditors and credit reporting agencies. Unlike most major credit repair companies, BCR Consulting charges a one time initial credit report analysis fee for credit repair services and then a flat fee per item corrected or removed from any of the client's credit reports. Licensed and bonded.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (13)
Credit 360 Consulting logo
Visit WebsiteWebsite

Credit 360 Consulting

17806 IH-10 Suite 300, Austin, TX 78702
Visit WebsiteWebsite

Business Description

Credit 360 Consulting is a credit repair agency in Austin. The company analyzes clients' credit reports and assists in identifying and removing inaccurate information. Examples of this include foreclosures, bankruptcy, repossessions, and liens. Credit 360 Consulting also offers credit counseling services. The staff is well-versed in federal consumer laws and works with clients to both restore their credit and improve their financial well-being. They also teach clients how to check their own scores and look for report errors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Credit Roadrunner logo
Visit WebsiteWebsite

Credit Roadrunner

1840 Burton Drive, Austin, TX 78741
Visit WebsiteWebsite

Business Description

Credit Roadrunner assists Austin area clients that need help in ensuring a good standing in their credit reports. The credit repair company works to help individuals facing situations such as identity theft, inaccurate personal information, late payments, foreclosures, and repossessions. Credit Roadrunner's services focus on enabling clients to secure benefits that depend on credit scores such as insurance coverage and good interest rates for cars and homes. The firm's credit experts have a combined financial services experience of almost 40 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Elevatemyscores logo
Visit WebsiteWebsite

Elevatemyscores

501 Congress Avenue, Austin, TX 78701
Visit WebsiteWebsite

Business Description

ElevateMyScores is a credit repair company serving the residents of Austin. This firm offers three credit repair packages, including premium and plus plans that integrate one-on-one credit coaching sessions to improve credit scores. Its specialists evaluate credit reports and identify items for deletion. Investigations with credit bureaus help eliminate unwanted credit report items and restore credit ratings within four to six months. Clients also receive online account access to track file progress and monitor actions done on their behalf.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (19)
Facebook
5.0 / 5 (6)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Good Credit For Life logo
Visit WebsiteWebsite

Good Credit For Life

901 South MoPac Expressway, Austin, TX 78746
Visit WebsiteWebsite

Business Description

Good Credit For Life is a Houston-based debt management company that helps clients in Austin achieve financial security. It aims to help clients achieve maximum credit scores to improve their chances of getting loans from banks for home purchases. The company also provides holistic credit repair services that combine counseling with the elimination of negative items from credit reports, including charge-offs, judgments, and credit inquiries. Staying true to its name, Good Credit For Life offers lifetime credit counseling for previous clients. 

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (41)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hickson Law, PC logo
Visit WebsiteWebsite

Hickson Law, PC

4833 Spicewood Springs Rd Ste 200, Austin, TX 78759
Visit WebsiteWebsite

Business Description

Hickson Law PC is a credit repair company in Austin that's been helping clients overcome debt through bankruptcy since 1991. The firm assists individuals in rebuilding their credit by advising them to apply for safe credit cards to settle their bills promptly after filing bankruptcy. It helps clients to eliminate medical and credit card debt through Chapter 7 bankruptcy. Hickson Law PC also provides solutions for debtors facing repossession and garnishment cases.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Impeccable Credit Services logo
Visit WebsiteWebsite

Impeccable Credit Services

9595 Six Pines Drive, Spring, TX 77380
Visit WebsiteWebsite

Business Description

Impeccable Credit Services is a professional credit repair company that serves clients in Austin, Houston, and nearby areas. It was established in 2004 by Vanessa Perry, who has experience working as a loan officer. The business offers various credit repair and restoration services focusing on late payments, bankruptcy, consumer credit reporting and accounts restoration, foreclosures, repossessions, and tax liens. The company employs a team of credit professionals that can cater to the needs of each client and establish positive trade lines to rebuild their credit scores.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (99)
Facebook
4.8 / 5 (90)
Yelp
4.5 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Luxury Credit LLC logo
Visit WebsiteWebsite

Luxury Credit LLC

7600 Chevy Chase Dr Building 2 Suite 300, Austin, TX 78752
Visit WebsiteWebsite

Business Description

Luxury Credit LLC offers credit counseling and credit repair services from its Austin headquarters. The company provides counseling sessions in which its team analyzes clients' credit reports. Identified errors, as well as violations under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, will be disputed by the firm. The credit repair specialists also handle the removal of unverifiable and incorrect items from credit reports. Aside from credit repair, Luxury Credit LLC also handles business credit establishment.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.4 / 5 (64)
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Olympia Credit Repair logo
Visit WebsiteWebsite

Olympia Credit Repair

701 Tillery St., Ste 12-121, Austin, TX 78702
Visit WebsiteWebsite
  • Credit Audit
  • Unconditional Money Back Guarantee

Business Description

Olympia Credit Repair LLC helps clients in Austin achieve a credit score of at least 700. Its agents analyze consumers' credit situation, focusing on inaccurate items like repossessions, charge-offs, tax liens, and foreclosure. They suggest solutions and correspond with the credit bureaus to dispute the credit report's inaccuracy. They provide an estimated time for getting results based on their personalized assessment of a person's credit score. They assist patrons with unlimited disputes and also furnish them with monthly credit reports and score updates.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Pyramid Credit Repair logo
Visit WebsiteWebsite

Pyramid Credit Repair

17 State St Ste 4000, New York, NY 10004
Visit WebsiteWebsite

Business Description

Pyramid Credit Repair offers credit repair and counseling services through personalized plans for couples and individuals. The company offers credit assessments to determine if scores can be improved. Analysts explain credit factors, such as payment history and revolving credit utilization. They then create an action plan summarizing expert insights and detailing a path towards client credit goals. Pyramid Credit Repair also scrutinizes negative credit items and disputes inaccurate claims made by lenders.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.0 / 5 (1)
Rock Credit Repair, LLC logo
Visit WebsiteWebsite

Rock Credit Repair, LLC

1104 South Mays Street, Round Rock, TX 78664
Visit WebsiteWebsite

Business Description

Rock Credit Repair, LLC, aims to increase the credit scores of Austin clients. Its professionals seek to abide by existing credit laws and empower clients to exercise their legal rights in improving their credit ratings. Consumers receive assistance in challenging the accuracy and completeness of credit reports, following the FCRA provisions. Rock Credit Repair, LLC, also disputes bad debts, tax liens, late payments, and bankruptcy information recorded with credit bureaus such as Equifax and TransUnion. Moreover, it provides debt negotiation services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.8 / 5 (32)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Texas Credit Fix - Credit Repair logo
Visit WebsiteWebsite

Texas Credit Fix - Credit Repair

9901 Brodie Lane, Austin, TX 78748
Visit WebsiteWebsite

Business Description

Texas Credit Fix is a firm that works to assist residents around Houston who want to repair their financial standings. The Fort Worth-based company provides services focused on correcting inaccurate credit report information, deleting unverifiable and negative credit items, and erasing misleading data such as judgments and bankruptcies. The firm's credit experts are FICO-certified and offer guidance through credit repair procedures, from analysis to credit building and progress monitoring. Texas Credit Fix is a fully licensed, bonded, and insured credit services organization that also serves the Dallas, San Antonio, and Austin areas.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Credit Xperts logo
Visit WebsiteWebsite

The Credit Xperts

3301 Northeast Dr, Austin, TX 78723
Visit WebsiteWebsite

Business Description

Credit Xperts is a professional credit repair company that serves clients in Austin, Dallas, Fort Worth, and nearby cities. It offers various credit repair and restoration services focusing on past-due payments, charge-offs, bankruptcies, foreclosures, and repossessions. The company employs a team of professional credit experts helping their customers understand several factors affecting their credit standing and develop positive tradelines for each client, presenting them with long-term goals in establishing their credit history.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Phenix Group logo
Visit WebsiteWebsite

The Phenix Group

7000 N Mo Pac Expy Ste 200, Austin, TX 78731
Visit WebsiteWebsite

Business Description

The Phenix Group offers credit repair services in Austin. Clients work with qualified credit analysts, starting with a consultation to ensure the services are a good fit. An individualized action plan covers the goals and time frame. The company helps clients dispute inaccurate negative items on credit reports with the major credit bureaus and individual creditors. It works with an independent legal firm if necessary to communicate with creditors and credit bureaus to update credit information.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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.

Is credit repair legal?

Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

How do you repair credit after identity theft?

Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Read all FAQs