Best Credit Repair Companies in Garland

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
Credit Saint logo
FEATURED
Visit WebsiteWebsite

Credit Saint

Garland, TX
Visit WebsiteWebsite

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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
700 Credit Repair logo
Visit WebsiteWebsite

700 Credit Repair

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

Business Description

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
4.0 / 5 (77)

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
Acquired Consumer Credit Repair logo
Visit WebsiteWebsite

Acquired Consumer Credit Repair

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

Business Description

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.
4.5
Facebook
4.5 / 5 (10)
Google
5.0 / 5 (1)
Build My Scores Credit Services logo
Visit WebsiteWebsite

Build My Scores Credit Services

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

Business Description

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.
4.3
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
Cap Stone Credit Repair logo
Visit WebsiteWebsite

Cap Stone Credit Repair

3701 Scott Drive, Rowlett, TX 75088
Visit WebsiteWebsite
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Business Description

Based in Dallas, Capstone Credit Repair, LLC, is a credit service organization that provides a variety of personal and business credit restoration services to clients in Garland. It helps clients in addressing items such as late payments, foreclosures, repossessions, charge-offs, identity thefts, and bankruptcies. It also utilizes its understanding of federal and state credit repair laws, as well as necessary procedures as part of the repair process. This allows the company to address all aspects of credit restoration.

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 (7)
Facebook
5.0 / 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
Credit Queen logo
Visit WebsiteWebsite

Credit Queen

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

Business Description

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
Credit Services of America logo
Visit WebsiteWebsite

Credit Services of America

PO Box 416, Little Elm, TX 75068
Visit WebsiteWebsite
  • Credit Dispute

Business Description

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
Credit Texan logo
Visit WebsiteWebsite

Credit Texan

1717 McKinney Avenue, Dallas, TX 75202
Visit WebsiteWebsite
  • Debt Consolidation

Business Description

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 (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
DFW Credit logo
Visit WebsiteWebsite

DFW Credit

PO Box 1736, Forney, TX 75126
Visit WebsiteWebsite

Business Description

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
Infinite Credit Solutions logo
Visit WebsiteWebsite

Infinite Credit Solutions

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

Business Description

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
Lenders Choice Credit Solutions logo
Visit WebsiteWebsite

Lenders Choice Credit Solutions

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

Business Description

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
MSI Credit Solutions logo
Visit WebsiteWebsite

MSI Credit Solutions

12750 Merit Drive, Dallas, TX 75251
Visit WebsiteWebsite
  • Credit Audit

Business Description

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 (1131)
Google
4.8 / 5 (1039)

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
Red Star Credit Consulting logo
Visit WebsiteWebsite

Red Star Credit Consulting

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

Business Description

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
Repair My Credit Now logo
Visit WebsiteWebsite

Repair My Credit Now

375 Adriatic Parkway, #2205, McKinney, TX 75072
Visit WebsiteWebsite
  • Debt Consolidation

Business Description

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.
4.0
Facebook
4.5 / 5 (22)
Revamp Credit Solutions LLC logo
Visit WebsiteWebsite

Revamp Credit Solutions LLC

9304 Forest Lane suite N267B, Dallas, TX 75243
Visit WebsiteWebsite
  • Credit Dispute

Business Description

Revamp Credit Solutions LLC is a financial service provider catering to the needs of Garland and the surrounding areas. Its professionals provide credit repair solutions such as credit report reviews, financial analysis, and credit bureau correspondence. They perform techniques and strategies to improve clients' credit scores such as line-by-line analysis of their credit situations and financial behavior coaching on maintaining a healthy credit profile. The company has been serving the community for more than 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.
5.0
Facebook
5.0 / 5 (17)
Rock Credit Repair, LLC logo
Visit WebsiteWebsite

Rock Credit Repair, LLC

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

Business Description

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
Rock Credit Repair, LLC logo
Visit WebsiteWebsite

Rock Credit Repair, LLC

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

Business Description

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 (16)

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
RX Credit Repair logo
Visit WebsiteWebsite

RX Credit Repair

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

Business Description

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

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 Best Credit Repair logo
Visit WebsiteWebsite

Texas Best Credit Repair

6060 North Central Expressway, Dallas, TX 75206
Visit WebsiteWebsite
  • Credit Audit
  • Credit Dispute

Business Description

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.
4.8
Google
4.0 / 5 (54)

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
Wayne The Credit Guy logo
Visit WebsiteWebsite

Wayne The Credit Guy

6401 Eldorado Parkway, McKinney, TX 75070
Visit WebsiteWebsite
  • Debt Consolidation

Business Description

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
Back to Providers

Frequently Asked Questions

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.

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.

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.

Read All FAQS