Expertise.com
2024

Last updated:

Best Credit Repair Companies in Denton

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 Denton 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.

102

Reviewed

65

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Denton, TX
  • Credit Repair
  • Money Back Guarantee
  • Credit Restoration
  • Credit Audit
  • Credit building

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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

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
FEATUREDExpertise.com

Lexington Law

Denton, TX
  • Consumer Credit Services
  • Credit Repair

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.

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
4.3 / 5 (2881)
Google
2.2 / 5 (31)

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 Report Consultation

Website
1508 Barron Lane, Fort Worth, TX 76112
  • Credit Dispute

Why choose this provider?

Best Texas Credit Pros, LLC, is a credit repair company that serves clients in Denton. It specializes in eliminating inaccurate information from clients' credit records, including bankruptcies, repossessions, foreclosures, judgments, student loans, and late payments. The company also works with a network of attorneys that protects consumers under the Fair Credit Reporting Act and the FCRA and the Fair Debt Collection Practices Act. In addition, Best Texas Credit Pros has been voted as the top credit repair company by the Fort Worth Award Program.

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.
4.2
Google
4.0 / 5 (60)
Facebook
5.0 / 5 (10)
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

Website
207 West Hickory Street, Denton, TX 76201
  • Debt Consolidation

Why choose this provider?

Allied Credit Solutions LLC is a Denton-based business that specializes in credit repair. It was founded by professionals who have many years of experience in credit building. Some of its services are credit restoration, collection removal, assistance with identity theft, and franchise opportunities. The team at Allied Credit Solutions continues to learn new ways to help clients build their credit. The firm also has an on-staff attorney who makes sure that all regulations are being followed.

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.
4.2
Google
4.0 / 5 (28)
Yelp
5.0 / 5 (4)
Facebook
5.0 / 5 (2)

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

Website
PO Box 261356, Plano, TX 75026
  • Credit Monitoring

Why choose this provider?

Omega Credit Repair is a credit restoration agency that is located in Plano. It also serves clients in Denton and the surrounding areas. It helps customers repair credit by assessing their credit reports from all three bureaus, removing inaccurate information, and establishing new credit. Omega Credit Repair was established in 2004. Doc Compton, the marketing director, has been working in consumer credit and credit repair industries for over two decades. Besides being a credit professional, he is a dynamic speaker and a published author.

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 (25)
Facebook
5.0 / 5 (14)

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

Website
8240 Mid Cities Boulevard, North Richland Hills, TX 76180
  • Credit Dispute

Why choose this provider?

The Real Credit Repair Experts is helping clients in Denton in improving their credit status. It assists its clients not only in repairing their credit history but also in maintaining a healthy credit record. It offers to reduce credit utilization, add history to credit profiles, make a thin file appear stronger, and increase credit scores faster with its credit boost tradelines. The Real Credit Repair Experts also provides credit and financial consultation to guide its clients with their financial and credit goals and respond to their concerns.

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 (7)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

Honest Credit Repair addresses the credit needs of clients in Denton. It helps clients improve their credit scores by providing consultation, in-depth analysis, and recommendations. The business connects clients with a case analyst and advisor to help clean up their credit history and current reports and maintain a commendable score. It has partnered with mortgage brokers, tax professionals, real estate agents, and attorneys. Honest Credit Repair also works with Experian, TransUnion, and Equifax, allowing clients to compare rates.

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.
4.0
Facebook
4.0 / 5 (8)

Website
2591 Dallas Parkway, Frisco, TX 75034
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

Cosmo Credit Repair is a credit counseling service provider that serves clients in Denton. It specializes in identifying and rectifying inaccurate information in clients' credit reports, negotiating payoff with creditors, and establishing lines of credit. Its team of credit professionals develops a customized strategy, reviews consumer protection laws and statutes, and determines the need for offer validation. Since its establishment by CEO Gloria Urbina in March 2012, Cosmo Credit Repair has helped 30,000 individuals, families, homebuyers, and entrepreneurs.

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
4.0 / 5 (244)
Google
4.6 / 5 (230)

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

Website
1332 Teasley Ln, Denton, TX 76205
  • Credit Repair

Why choose this provider?

Elegance Financial Services offers credit repair restoration, business credit building, and business structuring for clients in Denton. It welcomes consumers to consult with representatives who strive to identify the credit repair needs by assessing their current financial status and goals. The agents review individuals' credit reports to spot inaccurate information. The company communicates with the credit bureaus to dispute the errors on behalf of the consumers it serves. Online tools are offered on the company website's member portal for tracking credit score improvements.

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
1002 South Edmonds Lane, Lewisville, TX 75067
  • Credit Dispute

Why choose this provider?

ASAP Credit Repair is a company that helps the residents of Denton and Lewisville repair their bad credit. It offers services in bankruptcy, foreclosure, credit fraud, charge-off, late payments, and public records. The company website has a cloud backup service for data reliability and safety. Its business approach is to review and examine credit reports, communicate with the credit bureaus, and educate the clients about credit increase and maintenance. ASAP Credit Repair has served more than 100,000 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.
3.1
Google
3.0 / 5 (63)
Facebook
5.0 / 5 (2)

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

Website
4006 Belt Line Road, Addison, TX 75001
  • Credit Audit
  • Credit Dispute

Why choose this provider?

D818 Consulting is a credit restoration company helping residents in Denton rebuild their lost credit. It offers a credit repair program that seeks to resolve erroneous information on the clients' credit reports. It deals with credit bureaus, creditors, and collectors on clients' behalf to dispute any inaccurate credit information. Customers can track the credit restoration progress through the company's secure online portal. Throughout this process, D818 Consulting also educates clients on how to continuously improve 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.
4.1
Google
4.0 / 5 (8)
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

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.

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