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Best Credit Repair Companies in Carrollton, TX

Our Recommended Top 7

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 Carrollton 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.



7Top Picks

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featured provider = Featured Provider

Carrollton, TX Rating

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

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


Carrollton, TX
Free Credit Report Consultation Rating

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.

  • Consumer Credit Services
  • Credit Repair

6565 North MacArthur Boulevard, Irving, TX 75039 Rating

Review Sources

4.6 (13)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Dispute

2591 Dallas Parkway, Frisco, TX 75034 Rating

Review Sources

4.8 (431)
4.6 (300)

Why choose this provider?

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.

  • Debt Consolidation
  • Credit Monitoring

5050 Quorum Drive, Dallas, TX 75254 Rating

Review Sources

5.0 (11)
5.0 (1)

Why choose this provider?

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.

  • Credit Audit

1409 South Lamar, Dallas, TX 75215 Rating

Why choose this provider?

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.

  • Credit Monitoring

14330 Midway Road, Farmers Branch, TX 75244 Rating

Review Sources

4.8 (10)

Why choose this provider?

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.

  • Debt Consolidation

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Free Credit Evaluation
Lexington Law
Free Credit Report Consultation
Honest Credit Repair
6565 North MacArthur Boulevard, Irving, TX 75039
Cosmo Credit Repair
2591 Dallas Parkway, Frisco, TX 75034
Geek Credit Repair
5050 Quorum Drive, Dallas, TX 75254
Canal Credit
1409 South Lamar, Dallas, TX 75215
Smoov Credit
14330 Midway Road, Farmers Branch, TX 75244


  • 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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