Best Credit Repair Companies in Baytown

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Last updated: October 1, 2022

713 Tax and Credit Repair, LLC

Houston, TX 77001

Credit Monitoring

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.

A+ Emergency Credit Repair

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

Credit Audit
Credit Dispute

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 The process also entails identifying and disputing incorrect and outdated information, whether foreclosures, evictions, bankruptcies, or late payments.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.

America’s Best Credit and Debt Consultants

13130 Memorial Drive, Houston, TX 77079

Credit Dispute

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.

Assert Credit Repair

40 Cypress Creek Pkwy #383, Houston, TX 77090

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.

Blessing Credit Repair

3663 N Sam Houston Pkwy E Suite 600, Houston, TX 77032

Credit Monitoring

Blessing Credit Repair caters to customers in the Baytown metro and the surrounding areas. It helps clients improve their credit scores by offering credit repair and building services. Its work process involves reviewing the consumers' credit profile, challenging the three credit bureaus for negative reporting information, and establishing positive credit. It provides credit education, allowing individuals to maintain a good credit score. Blessing Credit Repair also assists individuals to get on a payment plan for their student loans.

Credit Lift Inc

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

Credit Monitoring
Credit Audit

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 Repair 365

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

Credit Monitoring

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 Repair Solutions, LLC

519 N. Sam Houston Pkwy E., Ste. 450M, Houston, TX 77060

Debt Consolidation
Credit Monitoring

Credit Repair Solutions, LLC, helps residents of Baytown and neighboring areas gain control of their finances. It provides credit consultation, in-depth analysis, and restoration services that allow clients to qualify for various loan products. Its team works with credit bureaus and creditors to challenge negative report items like collections, charge-offs, bankruptcies, and inquiries that affect a client's credit score. In addition to credit disputing, it also educates clients on how to continue raising their credit scores.

Elescore Credit Consulting

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

Credit Monitoring
Credit Dispute

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.

Life Change Firm

2929 Allen Parkway Suite 200, Houston, TX 77019

Debt Consolidation

Life Change Firm caters to individuals and businesses in Baytown and the surrounding communities. It offers credit restoration services, helping clients receive lower interest rates on their cars, credit cards, homes, and loans. Its process involves providing credit education, eliminating errors on the customers' credit reports, and helping them keep their report data current. Some of the negative items it removes are charge-offs, collections, foreclosures, late payments, and repossessions. Andrielle Ford, the CEO, holds a bachelor's degree in Business Administration with a major in Accounting.

Lovelady Credit Repair

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

Credit Monitoring

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.

Rose Credit Repair

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

Debt Consolidation
Credit Monitoring
Credit Audit

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.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: 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.

Q: Is credit repair legal?

A: 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.

Q: Can a credit repair company remove late payments?

A: 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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