Expertise.com

2024

Last updated:

Best Credit Repair Companies in Grand Prairie

Our Recommended Top 5

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 Grand Prairie 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.

136Reviewed

83Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Grand Prairie, TX

Expertise.com Rating

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

Grand Prairie, TX

Expertise.com Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Grand Prairie? 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.

300 West Main Street, Arlington, TX 76010

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Evolve Credit Repair offers its services to the residents of Grand Prairie and the neighboring communities. It helps clients improve their credit scores, allowing them access to financial services such as better loan terms, mortgage approvals, and lower interest rates. The company works on its clients' behalf, cleaning up their credit reports, navigating settlements, and educating them on the best practices to help them maintain good credit. Evolve Credit Repair also provides assistance to Spanish-speaking clients.

  • Credit Dispute

3330 Matlock Road, Arlington, TX 76015

Expertise.com Rating

Review Sources

Facebook
5.0 (111)

Why choose this provider?

Your Credit Builder Service is a credit repair company serving Grand Prairie and the surrounding areas. It offers its services to individuals and businesses encountering issues with lending institutions and other financial service providers. The company reviews credit reports published by credit bureaus and disputes any incorrect information, legally removing erroneous accounts to improve credit scores. Additionally, Your Credit Builder Service offers credit lines for businesses looking for financial solutions to help expand their businesses.

  • Credit Audit
  • Credit Dispute

1717 McKinney Avenue, Dallas, TX 75202
Website

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Dallas Credit Repair Company serves the residents of Grand Prairie and the neighboring cities. It offers attorney-backed credit repair services involving factual verification of accounts and information included in a client's credit report. If any of these are found to be inaccurate, the company files a dispute with the corresponding credit bureaus, legally removing them if they cannot provide confirmation. In addition, Dallas Credit Repair Company can help fix various details, including late payments, inquiries, repossessions, and bankruptcies.

  • Credit Audit
  • Credit Dispute

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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