Best Credit Repair Companies in Carrollton

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Canal Credit logo

Canal Credit

1409 South Lamar, Dallas, TX 75215
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  • Credit Monitoring

Canal Credit Repair is a credit restoration company that caters to individuals in the Carrollton area, as well as Houston and San Antonio. The firm provides assistance to clients who are interested in improving their credit reports. Its team possesses extensive knowledge of the industry that they have acquired through years of experience and practice. It consistently develops new strategies and is committed to educating customers about credit scores and methods of handling finances.

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Cosmo Credit Repair logo

Cosmo Credit Repair

2591 Dallas Parkway, Frisco, TX 75034
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  • Debt Consolidation
  • Credit Monitoring

Cosmo Credit Repair provides credit repair and restoration services to clients in the Carrollton area and nearby areas. It specializes in helping individuals reach their financial objectives through improved credit scores and reputation. The credit repair company routinely monitors the client's credit report to identify errors before disputing and resolving the irregularities. It also assists clients in debt settlements by negotiating payoffs with the creditors. It discusses strategies and reviews statutes with clients and creditors to determine a valid settlement offer.

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Geek Credit Repair logo

Geek Credit Repair

5050 Quorum Drive, Dallas, TX 75254
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  • Credit Audit

Geek Credit Repair is a credit restoration company that serves clients in Carrollton. It specializes in improving the credit records of clients by identifying inaccurate information and challenging questionable information with credit bureaus, creditors, and collectors. The company is also well-versed in the laws that regulate collectors, creditors, and credit bureaus to protect consumers from unfair credit reporting. In addition, Geek Credit Repair provides financial education that covers credit card loans and the availability of credit cards for bad credits.

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Honest Credit Repair logo

Honest Credit Repair

6565 North MacArthur Boulevard, Irving, TX 75039
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  • Credit Monitoring
  • Credit Dispute

Serving Carrollton, Honest Credit Repair provides a broad range of credit resolution and building services. Its team of specialists helps individuals and businesses audit their credit profiles and creates personalized dispute options on their behalf. They personally work with each client to analyze credit issues, as well as create and submit custom credit dispute letters to the respective bureaus. Moreover, the company provides each customer with a personal account where they can view updates on their credit score improvement. It also has credit education programs.

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Smoov Credit logo

Smoov Credit

14330 Midway Road, Farmers Branch, TX 75244
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  • Debt Consolidation

Smoov Credit is a credit repair company that caters to clients in Carrollton and the surrounding areas. The agency deals with common credit issues that include charge-offs, collections, evictions, bankruptcies, foreclosures, and repossessions. It also assists clients in contesting issues like tax liens, medical bills, student loans, and identity theft cases. The team improves customers' credit scores to increase their chances of securing car loans, credit cards, mortgages, and home loans. Smoov Credit has over 14 years of experience in the industry.

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Tap Credit Repair logo

Tap Credit Repair

17304 Preston Road, Dallas, TX 75252
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  • Credit Monitoring

Tap Credit Repair is a full-service credit repair company serving the residents of Carrollton. The company offers multiple services to help its clients with credit necessities, including consultations, in-depth credit analysis for strategy building, credit report error disputes, credit rebuilding, and credit education to give clients resourceful credit tips. Tap Credit Repair offers four plans with varying services to match its clients' specific needs. Additionally, the company offers credit card funding programs and business build-out programs.

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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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