Expertise.com

2024

Last updated:

Best Credit Repair Companies in Baytown

Our Recommended Top 11

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 Baytown 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.

64Reviewed

42Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Baytown, TX

Expertise.com Rating

Review Sources

Google
4.8 (6819)

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

Lexington LawExpertise.com

Baytown, TX
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)
Google
1.0 (5)

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

13130 Memorial Drive, Houston, TX 77079

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
5.0 (3)

Why choose this provider?

America’s Best Credit and Debt Consultants helps residents of Baytown improve their credit rating. It works with mortgage brokers, real estate agents, auto industry finance and loan officers, and anyone who is directly affected by clients' poor credit ratings. Its credit repair consultants help clients achieve a good credit standing by challenging inaccurate items on their credit files. These items include tax liens, charge-offs, and bankruptcies. It also guides people through the debt settlement process.

  • Credit Dispute

40 Cypress Creek Pkwy #383, Houston, TX 77090

Expertise.com Rating

Review Sources

Google
4.9 (41)

Why choose this provider?

Established in 2000, Assert Credit Repair offers its services to individuals in Baytown and the neighboring communities. The company assists clients in disputing unfair charges and checking for errors. It also finds creative ways to help clients build their credit scores back up and educates them on the process. Assert Credit Repair also offers debt consolidation services and customer support. Its founder established the company with the goal of getting people out of debt.

10101 Southwest Fwy #400-B, Houston, TX 77074

Expertise.com Rating

Review Sources

Facebook
4.8 (44)
Google
4.7 (12)

Why choose this provider?

Elescore Credit Consulting serves residents of Baytown and the surrounding areas. It guides clients on how to repair, rebuild, and maintain their credit profiles. It provides online services that help improve credit scores. An online tool is used to upload documents, monitor and dispute credit reports, and keep track of the client's progress. The company offers plans to meet the different budgets and goals of its customers. It also has an affiliate mortgage referral program.

  • Credit Monitoring
  • Credit Dispute

15333 John F Kennedy Blvd Ste 850, Houston, TX 77032

Expertise.com Rating

Review Sources

Google
3.5 (30)
Facebook
5.0 (28)

Why choose this provider?

Rose Credit Repair serves individuals in Baytown and nearby areas. It offers credit repair plans that include disputes to the three credit bureaus and removal of collections, loans, and inquiries from the reports. It conducts consultations to help clarify the clients' problems and goals and create solutions. Rose Credit Repair was founded by Rose Brisby, who is also the CEO of Rose Business Academy for entrepreneurs. She educates clients on how to manage credit to build generational wealth.

  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

2001 Timberloch Place, Ste 500, The Woodlands, TX 77380

Expertise.com Rating

Why choose this provider?

Credit Repair 365 helps residents of Bayton and nearby areas in improving their credit scores. It removes inquiries of credit reports that are provided by national credit bureaus. The company deletes collections or charge-offs that have been sold to collecting agencies. It also helps eliminate repossessions, public records, medical bills, student loans, bankruptcy, and late payments. Credit Repair 365, which has more than 25 years of industry experience, has raised its clients' reports by more than 50,000 credit points.

  • Credit Monitoring

17350 State Highway 249, Suite 220, #4095, Houston, TX 77064

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (5)

Why choose this provider?

Credit Lift Inc. serves individuals and small businesses in Baytown and the surrounding areas. The company assists clients in purchasing a new home or vehicle, obtaining credit cards, and qualifying for job opportunities. It offers credit monitoring via IdentityIQ, reviews scores and reports, and removes negative items such as incorrect accounts, unauthorized inquiries, inaccurate information, medical bills, and late payments. Founder Taqwanna Clark brings over six years of experience in credit repair and restoration to her company and its clients.

  • Credit Monitoring
  • Credit Audit

Houston, TX 77001

Expertise.com Rating

Review Sources

Google
5.0 (20)

Why choose this provider?

713 Tax and Credit Repair, LLC, helps residents from Baytown and the neighboring areas with their financial concerns. It assesses and monitors credit reports, educates consumers on the repair process, and deals with creditors on their behalf. The company works with the three major credit bureaus to remove negative information from the clients' profiles, including bankruptcies, charge-offs, collections, late payments, judgments, and loans. Other solutions offered by the firm include personal and business consulting, budget planning, tax preparation, and notary services.

  • Credit Monitoring

17350 State Highway 249 Ste 220 #1476, Houston, TX 77064

Expertise.com Rating

Why choose this provider?

A+ Emergency Credit Repair has been serving Baytown and nearby areas since 2019. Its credit restoration service involves going over clients' scores and reports from the three major credit bureaus. The process also entails identifying and disputing incorrect and outdated information, whether foreclosures, evictions, bankruptcies, or late payments. All steps are repeated until the negative items are removed from clients' reports. Its team also educates individuals on how to add positive lines to their credit. The company was featured on Fox and CBS News.

  • Credit Audit
  • Credit Dispute

363 N Sam Houston Pkwy. E, Ste. 1100 #2020, Houston, TX 77060

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Lovelady Credit Repair helps Baytown residents avoid loan, mortgage, and credit card rejections by providing creditworthiness advisory and planning services. The company's professionals evaluate the reports to identify inaccuracies from collections, like medical bills, student loans, charge-offs, and bankruptcies. They send dispute letters to respective agencies for the removal and correction of problematic items. Shawva Lovelady, the company's founder, was motivated to start the company after suffering a major accident that resulted in a plummeting credit score.

  • Credit Monitoring

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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