Expertise.com

Best Credit Repair Companies in El Paso

2024

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Providers

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Website
8323 Southwest Freeway, Suite 708, Houston, TX 77074
  • Identity Theft Recovery
  • Credit Repair
  • Credit Monitoring
  • Corporate Services (HR)
  • Rental reporting

Why choose this provider?

Credit Recovery Group serves business owners and families in El Paso. It works closely with clients to help them restore and improve their financial records after they have been impacted by life's financial crises, like foreclosure, divorce, unemployment, military leave, and identity theft. The firm provides repair solutions and performs settlement letter creation, personalized consulting, and unlimited disputes with the three major bureaus. Credit Recovery Group is a member of the National Association of Credit Services Organizations.

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.
4.5
Google
4.4 / 5 (17)
Facebook
4.6 / 5 (15)

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

Website
10420 Montwood Drive, El Paso, TX 79935
  • Credit Dispute
  • Credit Repair
  • Business Credit
  • Credit Monitoring
  • Debt Consolidation
  • Identity Theft Recovery

Why choose this provider?

Credit Restructuring Solutions LLC has been serving El Paso and nearby areas since 2019. Its specialists collaborate with attorneys and financial analysts to help individuals improve their credit scores, remove negative information from their credit reports, and learn about debt management. To provide clients with the right guidance, they also draw on their understanding of credit-related regulations, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The business provides 24/7 account access and regular updates to 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.
5.0
Google
5.0 / 5 (69)
Facebook
5.0 / 5 (45)

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: One Time Payment Option

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Lexington Law

El Paso, 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 (2911)

Price: Free Credit Report Consultation

Website
6044 Gateway Blvd. East, Suite 400, El Paso, TX 79905

Why choose this provider?

Credit Boosters is a credit repair company in El Paso that offers consultations to develop credit repair strategies. The firm challenges invalid collections, charge-offs, medical bills, judgements, and late payments with credit bureaus. It also disputes errors and obsolete information on clients' credit reports. Other services include corresponding with collection agencies and credit bureaus on the customer's behalf, forwarding all notices to the customer, and recommending legal action be taken against creditors when the firm suspects unlawful activity. The professional staff works with individuals and couples on an in-person and online basis. All credit analysts are bonded and board-certified by the Credit Consultants Association.

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.
4.9
Yelp
5.0 / 5 (22)
Facebook
4.7 / 5 (11)

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
6999 Montana Ave, El Paso, TX 79925

Why choose this provider?

True Credit Solutions is a credit repair agency in El Paso that's been using a practical, methodological approach to help clients increase their credit ratings since 2009. Its experts analyze credit reports, dispute inaccurate information, and guide clients in rebuilding their credit. The firm utilizes its expertise to help customers regain their financial footing via professional credit restoration plans. The firm rehabilitates and restores clients' credit standing by challenging a variety of derogatory information, including collections, late payments, and charge-offs. True Credit Solutions advises its customers about financial techniques to help them increase and maintain their credit scores in the future.

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.
4.4
Facebook
4.4 / 5 (17)

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
12210 Montwood Drive, El Paso, TX 79928

Why choose this provider?

It's Time Credit Repair is a credit repair company in El Paso helping individuals and families improve their credit ratings. The agency is registered with the State of Texas, bonded, insured, and only uses 100% legal methods to improve client's credit scores. Each customer works with a personal consultant and receives a custom, in-depth credit consultation. The staff completes and files all disputes with credit reporting agencies timely to resolve issues and get clients back in good standing.

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 (44)
Facebook
4.6 / 5 (9)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9627 Sims Dr. Suite F, El Paso, TX 79925
  • Credit Dispute

Why choose this provider?

Foothills Credit Repair has seven years of experience serving El Paso residents with their credit repair needs. With the goal of helping individuals increase their credit scores and achieve financial freedom, the company provides services that include credit report analysis, credit disputes on behalf of clients, dispute escalation, and credit score analysis and mentoring. Its credit specialists identify negative items affecting credit scores and provide counseling solutions to help clients continuously build 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.
5.0
Google
5.0 / 5 (36)
Facebook
5.0 / 5 (4)

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
3010 Lyndon B Johnson Fwy Fl 1200, Dallas, TX 75234

Why choose this provider?

Credit Services of America is a credit repair agency near El Paso that focuses on debt consolidation and management. Its credit repair process involves retrieval of credit reports and analysis of any problematic issues. The credit professionals challenge unverifiable items and seek to remove them from the report. They also offer effective alternatives for clients facing bankruptcies, repossessions, late payments, unfavorable settlements, and closed accounts. The company's debt management plans improve credit scores to help individuals secure lower rates on loans. Its debt management specialists consolidate collection accounts, credit card billings, and ongoing loans, and they help clients develop monthly repayment plans.

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 (72)
Facebook
4.9 / 5 (70)

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
1533 N Lee Trevino Dr, El Paso, TX 79936

Why choose this provider?

Texas Consumer Credit Services is a credit repair company in El Paso that assists clients in improving their credit scores to achieve a range of financial goals. Its analyzes clients' credit reports with a focus on discovering outdated, erroneous, or invalid items, then it takes an aggressive approach to disputing derogatory information to get those items removed from credit files. It also offers comprehensive credit education, advice on how to spend in order to build up good credit, and regular updates. Texas Consumer Credit Services provides access to a simple online profile to access updates and information, and it offers free consultations for new 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.
4.5
Facebook
5.0 / 5 (31)
Google
4.3 / 5 (29)
Yelp
1.0 / 5 (3)

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
El Paso, TX
  • Debt Consolidation

Why choose this provider?

Founded in 2002, El Paso Credit Repair Pros helps individuals in the local metro and nearby areas put their credits back in order for easier house loan approval and better financing of purchases. The company's credit repair team can eliminate inaccurate information like tax liens, bankruptcy, and charge-offs from the client's credit report through a letter of dispute to the credit bureaus. Additionally, they can also send letters to debt collectors requesting them to cease.

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 (17)
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
221 North Kansas Street, El Paso, TX 79901

Why choose this provider?

ASAP Credit Repair serves El Paso and helps with issues such as repossession, identity theft, late payments, foreclosures, bankruptcy, and fraud. The firm provides clients with knowledge and assistance in buying a vehicle, monitoring credit, and filing for personal loans. The company coordinates with more than 300 mortgage lenders to help prospective home buyers. Credit assessors also establish and maintain a client's credit status in order to help them increase 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.
4.4
Google
5.0 / 5 (28)
Facebook
4.4 / 5 (24)
Yelp
3.5 / 5 (18)

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
11940 Don Haskins Drive B133, El Paso, TX 79936

Why choose this provider?

Located in El Paso, 360 Credit Repair & Tax Services helps improve the credit scores of individuals. This company's credit specialists work with credit bureaus to delete negative information from clients' credit card reports. This information includes charge-offs, late payments, foreclosures, repossessions, bankruptcies, and credit inquiries. They also assist in creating game plans that repair credit standings, using technology and their expertise in the field. The company's services aim to achieve clients' goals such as a vehicle or new home purchase.

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.
4.5
Google
4.8 / 5 (34)
Yelp
4.0 / 5 (17)
Facebook
4.9 / 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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1790 Lee Trevino Drive, El Paso, TX 79936

Why choose this provider?

New Credit Life is a local consulting and credit repair company based in El Paso. It aims to provide its clients with assistance in improving their credit scores. Its professionals can help those facing situations that have adverse effects on their credits, such as repossession of vehicles, bankruptcy, or foreclosure. The firm's credit repair process starts with developing a credit repair plan customized to each client's financial situation. Credit experts from New Credit Life can teach clients strategies that can help them establish good credit reputation.

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.
4.9
Google
5.0 / 5 (66)
Yelp
2.5 / 5 (3)
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.
4.3
Responsiveness
Friendliness
Helpfulness
Detail

Website
1505 George Dieter Suite 109, El Paso, TX 79936
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Advance Credit Solution LLC serves residents in El Paso and the surrounding communities. It provides credit repair services including negative information disputes on collections, medical bills, repossessions, and late payments and contacting creditors on clients' behalf. The company disputes inaccurate, unverifiable, and obsolete information with credit bureaus such as Experian, Equifax, and Transunion. It also guides clients through the credit repair process and advises on how to improve credit scores. The company's services prevent identity theft, evictions, and foreclosures.

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 (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

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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