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Best Credit Repair Companies in El Paso

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

El Paso, TX
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

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
FEATURED
Free Credit Report Consultation

Lexington Law

El Paso, TX
  • Consumer Credit Services
  • Credit Repair

Business Description

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 (2869)

Price: Free Credit Report Consultation

360 Credit Repair & Tax Services logo
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360 Credit Repair & Tax Services

11940 Don Haskins Drive B133, El Paso, TX 79936
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Business Description

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)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Advance Credit Solution LLC logo
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Advance Credit Solution LLC

10600 Montwood Dr Suite 112, El Paso, TX 79935
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Business Description

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 (1)
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
ASAP Credit Repair logo
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ASAP Credit Repair

221 North Kansas Street, El Paso, TX 79901
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Business Description

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
Credit Boosters logo
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Credit Boosters

6044 Gateway Blvd E Ste 235, El Paso, TX 79905
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Business Description

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.
5.0
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
Credit Restructuring Solutions logo
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Credit Restructuring Solutions

10420 Montwood Drive, El Paso, TX 79935
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Business Description

Credit Restructuring Solutions is a credit repair company servicing clients in E Paso and nearby areas since 2019. The firm partners with lawyers and financial analysts to assist clients in improving their credit scores, removing inaccurate items from credit reports, and educating clients on debt management. Professionals in the firm are adept in credit-related laws, such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Clients receive 24/7 access to their accounts with regular updates.

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 (33)
Facebook
5.0 / 5 (13)

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
Credit Services of America logo
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Credit Services of America

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

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
El Paso Credit Repair Pros logo
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El Paso Credit Repair Pros

El Paso, TX
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  • Debt Consolidation

Business Description

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
Foothills Credit Repair logo
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Foothills Credit Repair

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

Business Description

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
It’s Time Credit Repair logo
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It’s Time Credit Repair

12210 Montwood Drive, El Paso, TX 79928
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Business Description

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)

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
New Credit Life logo
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New Credit Life

1790 Lee Trevino Drive, El Paso, TX 79936
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Business Description

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)
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
Texas Consumer Credit Services logo
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Texas Consumer Credit Services

1533 N Lee Trevino Dr, El Paso, TX 79936
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Business Description

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
True Credit Solutions logo
Visit WebsiteWebsite

True Credit Solutions

6999 Montana Ave, El Paso, TX 79925
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Business Description

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
Back to Providers

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.

Is credit repair legal?

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.

How do you repair credit after identity theft?

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.

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