Expertise.com

Best Credit Repair Companies in Garland

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Credit Repair Companies FAQs 〉

Providers

Last updated:

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

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Garland, TX

Why choose this provider?

Need help contacting a Credit Repair Company in Garland? 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.

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 booking service | Call 848.Book.Pro!

Website
12750 Merit Drive, Dallas, TX 75251
  • Credit Audit

Why choose this provider?

MSI Credit Solutions works with clients from Garland through its various credit repair services. These services include monitoring a client's credit score, disputing errors in their credit report, and helping them establish and maintain lines of credit. The company also provides consulting services on credit-related matters. MSI Credit Solutions has been featured in the Dallas Business Journal, WFAA News, and CBS 11 News. CEO Ricardo Mendiola has over a decade of experience in the real estate, collections, and credit repair industries.

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
Facebook
4.8 / 5 (1569)
Google
4.8 / 5 (1324)
Yelp
4.3 / 5 (37)

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
2435 North Central Expressway, Richardson, TX 75080
  • Credit Dispute

Why choose this provider?

With over 50 years of experience in personal finance, collections, credit reporting, and the mortgage industry, Acquired Consumer Credit Repair serves clients in the Garland area. It offers credit repair, restoration, and building services. It maintains an average of 70-90% deletion rate for its clients and has served over a thousand clients. It also educates on the ins and outs of credit restoration and gives clients the power to buy again. Acquired Consumer Credit Repair has been in business for nearly 10 years.

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
Facebook
4.6 / 5 (11)
Google
5.0 / 5 (2)

Website
PO Box 416, Little Elm, TX 75068
  • Credit Dispute

Why choose this provider?

Credit Services of America is a local credit repair and restoration firm that offers an array of services that are tailor-made to meet individual needs. Serving Garland and the surrounding areas, its team assists clients in restoring their credit rating through personalized consultations, accurate representation, and ongoing education. In addition to deleting bad credit records, its credit coaches also assist with debt negotiation and elimination and student loan consolidation. Credit Services of America has been serving the community for more than 10 years.

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
6333 East Mockingbird Lane STE 147, Dallas, TX 75214
  • Credit Audit

Why choose this provider?

Infinite Credit Solutions is a Dallas-based company that caters to individuals in the Garland metro and the surrounding communities. It helps clients fix their credit scores and achieve their financial goals by offering various services. These include evaluating clients' credit history, contacting creditors on their behalf, and filing the necessary documentation. It helps remove inaccurate items—such as bankruptcies, charge-offs, collection accounts, hard inquiries, and judgments—from customers' credit reports. Liens, student loans, and repossessions are also processed for removal.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
103 N. Goliad Suite 107, Rockwall, TX 75087
  • Credit Dispute

Why choose this provider?

Red Star Credit Consulting is a full-service agency that serves the Garland community and its neighboring areas. It assists clients in improving their credit scores by disputing credit report errors regarding student loans, late payments, repossessions, credit card debt, and bankruptcies. It also offers a variety of score optimization and credit repair options, such as auto-track, dispute only, and credit score builder programs. Red Star Credit Consulting has a team of professionals from the credit repair, mortgage, and housing industries.

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.
4.6
Google
4.4 / 5 (14)
Facebook
5.0 / 5 (5)

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
903 18th Street, Plano, TX 75074
  • Credit Audit

Why choose this provider?

Build My Scores Credit Services is a full-service credit repair firm serving residents in Garland and the surrounding communities. With its network of mortgage specialists and auto financiers, its team helps clients secure mortgages and auto loans through its credit repair services. These include initial consultation, drafting dispute letters to credit bureaus and debtors, and performing audit validation. This firm also assists clients with improving and maintaining a healthy credit profile by recommending measures and financial behaviors. 

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.
3.6
Facebook
4.0 / 5 (21)
Google
3.0 / 5 (20)
Yelp
4.0 / 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
6401 Eldorado Parkway, McKinney, TX 75070
  • Debt Consolidation

Why choose this provider?

Credit Bureau Investigations helps consumers, mortgage professionals, and realtors in the Garland metro understand the complex credit system. Its team advises consumers on the best course of action they need to follow to achieve their financial goals. Owner Wayne Sanford is also known as Wayne The Credit Guy. He has more than 16 years of experience. Since joining the industry, Sanford has reviewed more than 20,000 consumer credit files. He also holds a certification in the Fair Credit Reporting Act.

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
4.9 / 5 (43)
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

Website
465 W President George Bush Hwy #103, Richardson, TX 75080
  • Credit Monitoring

Why choose this provider?

Lenders Choice Credit Solutions offers a variety of services to residents of Garland. It helps fix a client's credit rating by analyzing credit reports, searching for erroneous entries, and disputing them before credit bureaus and creditors. The firm also tracks customers' progress on a monthly basis until their credit scores adequately improve. The company has a consumer base that includes student debtors, and it employs an attorney who enforces individuals' rights under the Fair Credit Reporting Act.

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 (146)
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
6060 North Central Expressway, Dallas, TX 75206
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Texas Best Credit Repair is dedicated to repairing and restoring credit so that more families in Garland can get approved for their dream home loan even with bad credit. It assists in credit dispute resolution for individuals, credit repair mortgage, approval road map, and coaching. It also guides customers in the audit process, contact creditors and agencies, and works towards its clients’ home loan approval. It has a combined 30 years of real estate experience.

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 (54)
Facebook
4.6 / 5 (22)
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
375 Adriatic Parkway, #2205, McKinney, TX 75072
  • Debt Consolidation

Why choose this provider?

Founded in 1997, Repair My Credit Now is a company that caters to clients in Garland and the surrounding areas. It assists individuals with their credit repair and restoration needs. Its team members, who are knowledgeable in all aspects of state and federal laws, aid in removing inaccurate items on credit reports—such as bankruptcies, charge-offs, tax liens, and slow payments. Repair My Credit Now assists its clients throughout the whole process, from acquiring credit reports to filing disputes and audits against credit bureaus and lenders.

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
4.5 / 5 (22)

Website
3000 Joe Dimaggio Suite 77, Garland, TX 78665
  • Debt Consolidation

Why choose this provider?

Rock Credit Repair, LLC, serves individuals in Garland and nearby areas. It assists individuals in repairing credit scores through proper management and issuing regulatory complaints against bureaus, creditors, and collectors to delete inaccurate accounts and late payments. The firm helps clients manage debts by establishing budgets, developing timelines, and settling debts through negotiation. It handles medical collection, late payments, credit card debt, student loans, bankruptcies, and repossessions. Rock Credit Repair has over 20 years of experience in the industry.

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
4.7 / 5 (44)
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

Website
3626 North Hall St, Suite 610, Dallas, TX 75219
  • Credit Audit

Why choose this provider?

RX Credit Repair operates in and around the Garland metro. The Dallas-based company offers credit repair to clients and maximizes their scores by deleting inaccurate, incorrect, and unverifiable information on their reports. It helps with bankruptcy and collections, repossessions and foreclosures, late payments, re-establishing credit, credit coaching, and dispute code removal. Clients get a dedicated credit consultant who enrolls them in the program and guides them throughout the entire process. It also obtains the necessary identification documents and prepares clients' first round of dispute letters.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2425 N. Central Expressway, Suite 700, Richardson, TX 75080
  • Credit Monitoring

Why choose this provider?

Credit Queen helps individuals in Garland restore their credit records. Led by owner Vita, the company’s credit specialists turn their focus to making clients get a better grasp of their credit score and take the necessary steps to avoid credit issues. They also cater to the needs of business owners in need of assistance with managing their credit. Credit Queen’s team has more than seven years of experience. The company has served more than 10,000 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.
5.0

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 1736, Forney, TX 75126

Why choose this provider?

DFW Credit helps individuals in Garland and the surrounding areas get better credit ratings. Its team offers comprehensive credit repair solutions that include working with creditors and major credit bureaus to update and eliminate erroneous information in the clients' credit reports. It also provides credit education or counseling to help clients avoid credit issues in the future and maintain their good credit scores. Founder Brandon Nabors has over 16 years of experience in the industry.

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

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
1201 North Goliad Street, Rockwall, TX 75087
  • Credit Audit

Why choose this provider?

700 Credit Repair is a credit management and consulting company providing credit repair services to clients in the Garland metro. Through credit analysis, disputes, and creditor settlement, the company helps clients increase their credit scores and attain their financial goals. 700 Credit Repair also assists commercial clients by creating a favorable credit profile. The company is committed to credit education by providing clients financial literacy knowledge. Founder and CEO William Alt has more than 25 years of experience in financial services.

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
Google
4.1 / 5 (90)
Yelp
3.5 / 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
1717 McKinney Avenue, Dallas, TX 75202
  • Debt Consolidation

Why choose this provider?

Credit Texan is a credit repair company that specializes in legal demand, factual verification, and the multiple round process. Offering its services to the Garland metro, it provides repair for bankruptcy removal accounts, original creditor accounts, and third-party collection accounts. In addition, it helps fix student loan consolidations, repossessions, foreclosures, and late payments. Credit Texan also deals with bankruptcies, liens, judgments, and collections. Its paperwork processing takes around 12 hours and it also serves the Dallas area.

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 (12)

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
3010 Lyndon B Johnson Freeway, Dallas, TX 75234
  • Debt Consolidation

Why choose this provider?

Rock Credit Repair is a full-service credit repair agency in Garland. With over 20 years of industry experience, its credit counselors recognize current credit laws and provide a comprehensive yet simple approach to improve credit ratings. It offers personalized and confidential credit assistance especially after situations involving collections, delinquency, bankruptcy, divorce, identity theft, or foreclosure. Its credit repair process includes challenging unverifiable negative accounts, filing regulatory complaints to enforcement agencies, and demanding deletion of violations.

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
5.0 / 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

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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Legitimate credit repair can be useful in wiping inaccurate or fraudulent records from your credit report, or resolving ident...