Expertise.com

2024

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Best Credit Repair Companies in Frisco, TX

Our Recommended Top 10

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 Frisco 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.

77Reviewed

50Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Frisco, TX

Expertise.com Rating

Review Sources

Yelp
2.5 (25)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Frisco, TX

Expertise.com Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Frisco? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

​2150 S Central Expy Suite 200, McKinney, TX 75070

Expertise.com Rating

Why choose this provider?

DTB Credit Solutions serves the neighborhoods in and around the Frisco metro. It helps in repairing consumers' credit scores, providing consultation, recommendations, and in-depth analysis. Its team works with credit bureaus and challenges the creditors about negative items listed on the reports. Some of the services it offers to assist clients in cleaning up their financial records are delivering personalized dispute options that fit their exact needs, giving them access to their case status, and writing customized dispute letters on their behalf.

  • Credit Audit

15922 Eldorado Parkway Suite 500, Frisco, TX 75035

Expertise.com Rating

Review Sources

Facebook
5.0 (16)

Why choose this provider?

Upper Echelon Consulting is a credit repair company that serves Frisco. The business helps consumers achieve financial confidence by improving credit scores. It assesses its clients’ reports and identifies incorrect information. Its team sends documentation on their behalf and utilizes the SmartCredit app to track their progress. It works with different credit reporting agencies like EWS, Innovis, LexisNexis, Equifax, Experian, and TransUnion. The company also offers DIY kits, which include letters to enable clients to fix their credit on their own.

6735 Salt Cedar Wy #300, Frisco, TX 75034
Website

Why choose this provider?

Pure Profile Credit Solutions works with clients in Frisco and the surrounding areas. It helps people improve their credit scores by offering credit repair, consultation, in-depth analysis, and recommendations. By submitting tailored dispute letters, it contests bad items on credit reports and challenges credit bureaus and creditors to erase unverifiable items. Clients can view their case progress and updated credit reports 24/7. The company also has a lot of experience with mortgages and corporate financing.

2591 Dallas Pkwy Suite 300,, Frisco, TX 75034

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (9)

Why choose this provider?

New Light Credit Solutions offers its services to individuals and businesses in communities throughout Frisco. Its team provides assistance in cleaning up credit scores by managing its clients' documentation, assessing their assets, and contacting creditors on their behalf. Its consultative sessions are geared toward identifying a client's financial situation and creating a customized plan that addresses the most damaging items on their credit reports. The firm is also available for inquiries concerning derogatory accounts, bankruptcy issues, late payments, and chargebacks.

  • Credit Monitoring
  • Credit Audit

5899 Preston Rd Suite 303, Frisco, TX 75034

Expertise.com Rating

Review Sources

Google
4.5 (16)
Facebook
4.1 (13)

Why choose this provider?

Cole, Peck & Associates, LLC., offers attorney-backed credit repair services for individuals in and around the Frisco area. Its team members, who have experience in banking and knowledge of credit restoration laws, audit and remove negative items from clients' reports. These include judgments, public records, bankruptcies, and foreclosures. The process also involves conducting three-bureau report reviews. Budget planning and identity theft protection are its other services. A former client commended Cole, Peck & Associates for removing multiple collections from his report within a month.

  • Credit Audit

​1400 Preston Rd. Ste 400, Plano, TX 75093

Expertise.com Rating

Review Sources

Facebook
5.0 (6)

Why choose this provider?

C&S Credit Repair and Consultants serves the financial needs of individuals and businesses throughout Frisco and the nearby communities. The firm brings over a decade of experience in evaluating credit and challenging unverifiable or inaccurate information in clients' credit histories, providing them access to better credit. Its credit analysts also provide financial coaching and counseling, credit training and workshops, and ongoing education to help clients improve their creditworthiness and maintain their good credit standing.

  • Credit Dispute

Forney, TX 75126

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Rapid Credit Repair Services caters to individuals in and around the Frisco area. It provides credit repair services for people looking to have access to better interest rates. It conducts credit analyses and contacts creditors regarding the negative items on the clients' credit reports. The company provides standard and expedited credit repairs, inquiry removal, and round two credit repairs. Christi Rose, the CEO of the company, is a board-certified credit consultant.

  • Credit Monitoring

2770 Main St #207, Frisco, TX 75034

Expertise.com Rating

Review Sources

Facebook
5.0 (36)
Google
5.0 (7)

Why choose this provider?

Infinity Credit & Financial Services works with Frisco residents who need to remedy their flagging credit scores. The firm deletes false entries and corrects inaccurate ones on a client's reports. It educates individuals on the concrete measures to take in order to maintain liquidity. The office offers accommodations for cohabiting and married couples and maintains an online portal that allows for 24/7 access to one's records. Advisor Rich Claypool has been in the financial services sector for more than two decades.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Free Credit Evaluation
DTB Credit Solutions
​2150 S Central Expy Suite 200, McKinney, TX 75070
Upper Echelon Consulting
15922 Eldorado Parkway Suite 500, Frisco, TX 75035
Pure Profile Credit Solutions
6735 Salt Cedar Wy #300, Frisco, TX 75034
New Light Credit Solutions
2591 Dallas Pkwy Suite 300,, Frisco, TX 75034
Cole, Peck & Associates, LLC.
5899 Preston Rd Suite 303, Frisco, TX 75034
C&S Credit Repair and Consultants
​1400 Preston Rd. Ste 400, Plano, TX 75093
Rapid Credit Repair Services
Infinity Credit & Financial Services
2770 Main St #207, Frisco, TX 75034

FAQs

  • 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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