Credit Saint LLC offers a variety of credit assistance packages to customers in Houston and its surrounding areas. The credit repair company helps customers improve their credit ratings by challenging errors or unverifiable items in their credit histories. Its credit specialists offer their expertise in credit laws and educate customers on what affects their scores. Serving clients nationwide for over 15 years now, Credit Saint is based in New Jersey.
Credit Recovery Group serves individuals and companies in and around Houston. Its professional credit counselors assist individuals in improving their credit ratings. They review the clients' credit and help identify their credit reports' incorrect, outdated, and unverifiable records. The firm also gives clients access to its credit restoration portal 24/7 to check real-time updates of their credit progress. Credit repair services for corporates' workforce are also available. Its credit specialist, Rosie Rosin, is also fluent in the Spanish language.
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America's Best Credit and Debt Consultants is a credit repair and debt settlement company that aims to improve clients' credit ratings quickly, legally, and effectively. Serving individuals in the Houston metro and the neighboring areas, its credit counselors research credit histories and challenge all information that is inaccurate, outdated, or unverifiable. After scores have improved, the firm continues to monitor, educate, and update clients, so they can be more empowered to maintain their good credit standing.
ASAP Credit Repair was founded in 1998 to provide credit repair services in Houston. The firm evaluates credit reports, corrects errors, and delivers positive results. Credit experts help in handling disputes and removing items such as late payments, collections, foreclosure, repossessions, bankruptcies, credit fraud, and judgments. The firms has credit monitoring services to prevent errors that may impact future credit decisions from appearing on reports. ASAP Credit Repair also offers financial education resources that help individuals maintain good credit.
Established in 2000, Assert Credit Repair is a full-service credit repair agency that aims to help clients in and around Houston improve their credit scores and financial status. Its credit counselors assist clients in improving their credit scores by thoroughly analyzing credit reports and challenging any discrepancies from clients' profiles. After scores have improved, the company's credit counselors educate clients so that they can be more empowered to improve their creditworthiness and maintain their good credit standing.
Classy Credit Repair Services helps the residents of Houston improve their credit scores and financial habits. Its credit specialists assist in identifying inaccurate credit report items and submit disputes to the credit bureaus for their removal. These items include errors and aged derogatory accounts. They also conduct consultations to set clients' credit goals, offer a pay-per-delete program, and provide credit building and student loan assistance. Founder Tempestt Luckett dealt with bad credit herself in 2014 and established Classy Credit Repair Services after accomplishing her credit goals.
Clearone Credit Solutions is a local credit repair and restoration firm that serves individuals in Houston and the surrounding areas. Its English- and Spanish-speaking credit counselors assist clients in improving their credit scores by legally disputing and challenging inaccurate, erroneous, and obsolete information from credit profiles. Clients are also able to access their accounts online for real-time updates regarding their credit reports and scores. Additionally, the company offers credit audits and education to help individuals build and maintain their improved credit scores.
Credit Repair Houston - 777 Credit Repair Service serves people in the metro and nearby areas. The company offers credit consultancy services for people who have low credit scores. It assists clients in the removal of their late payments, charge-offs, and bankruptcies. The company also has services that will aid clients in eliminating repossessions, foreclosures, and judgments. Credit Repair Houston was established in 2003 and had been striving to improve the credit scores of its clients every month since.
DPMC Consulting / DPMCUSA LLC is a Credit Consulting Firm that specializes in both consumer and commercial business credit repair and restoration. They have 31 years of Service with an A+ BBB Rating. They perform an initial in-depth credit report analysis of all four credit bureau reports to identify credit and debt-related issues. Their debt verification process targets all negative trade-lines reported including; unverifiable inaccurate and obsolete items or accounts opened due to identity theft or credit fraud. They correct and update personal information reported including name, addresses, phone numbers, current and previous employment history, and verify your social security number. Additional services include; defaulted student loan rehabilitation and resolution, creditor negotiation and settlement, bankruptcy recovery and prevention, identity theft and credit fraud resolution, civil judgment and lien resolution, and time-share and mortgage deed-back services. Services are available nationwide and internationally for U.S. armed service members or U.S. citizens abroad.
Elite Credit Repair Services caters to clients in Houston and the surrounding areas. The company helps individuals with bad credit scores in repairing and establishing their credit. Its team contests for the accuracy and verifiability of account information on its customers' credit reports. It has experience in dealing with charge-offs, judgments, collections, student loans, and repossessions. The business also aids individuals who are filing for identity theft claims in navigating the process. A client received a deletion letter for multiple accounts after only 45 days.
EZ Credit USA provides credit counseling services to individuals from Houston and the neighboring areas. The company offers attorney-based credit restoration and credit building programs. Its team assists clients in removing negative information from their reports like liens, charge-offs, judgments, collections, repossessions, and foreclosures. In addition, the business has a credit education program that helps individuals restore their credit and achieve financial freedom. EZ Credit USA was founded by Eric Edwards, who experienced first-hand the disadvantages of having bad credit.
Fresh Start Credit is a financial services company that serves clients across the Houston metro and nearby areas. The company provides credit repair solutions through credit analysis and dispute management. It has experience dealing with both consumer and business credit. The company also maintains a dedicated online portal for clients to access credit education materials and case status updates. Fresh Start Credit offers credit software services for tax professionals, lawyers, real estate agents, and car dealers.
Good Credit For Life is a Houston-based credit repair company. Its services aim to eliminate negative items from credit reports while providing personalized credit counseling, allowing clients to achieve their maximum score. Its specialists work on negative items on the consumer credit report, including credit inquiries, charge-offs, and even judgments. They also offer identity theft services, reducing the risk of its occurrence by using credit monitoring procedures. The company aims to stay true to its name by providing lifetime credit counseling for its past customers.
Guaranteed Credit Services LLC is a full-service credit repair agency serving clients in the Houston metro area. The agency offers affordable payment plans for credit restoration. When negative items, such as collections, late payments, or judgements, adversely affect credit scores, Guaranteed Credit Services contacts creditors, debt collectors, and credit bureaus to remove derogatory accounts. With a mission to assist clients with their financial goals, the agency works to boost credit and buying power for future purchases.
Founded in 2004, Impeccable Credit Services is a credit repair agency in Houston that focuses on improving credit scores and the financial health of individuals and businesses. The credit specialists on staff dispute negative and unverifiable items they find on clients' credit reports. Additionally, they help businesses establish new positive trade lines and handle tax liens, judgments, collection accounts, and foreclosures. Besides assisting with charge offs, student loans, repossessions, late payments, and bankruptcies, Impeccable Credit Services also offers credit education.
Phillips Credit Services guides customers in Houston and the surrounding areas. It provides a wide range of services, including business credit and funding, life insurance, personal credit and funding, and credit-building products. The company uses aggressive disputing strategies and tactics to challenge negative items on the credit report with the credit bureaus. Its team of professionals offers a 20-minute phone consultation and discusses a client's goals and current situation. Additionally, Phillips Credit Services also educates customers on how to use their credit properly.
Quest Credit Solutions is a credit consulting company that offers credit restoration, debt relief, credit building, and credit education services. Serving Houston and the nearby communities, its credit counselors oversee the thorough analysis of a client's record and proceed to disputing and challenging inaccurate, erroneous, and obsolete information from credit profiles. Its professionals also educate clients so that they can be more empowered to build and maintain their good credit standing. The firm was established in 2019 and also assists with private and federal student loan relief.
Rise Again Credit Solutions is a financial services firm that caters to clients across the Houston metro and nearby areas. It works to improve clients' credit scores by removing inaccurate information, like late payments and inquiries. It also disputes information related to repossessions, student loans, and medical bills. Clients can submit a quote request on the company's website. Rise Again Credit Solutions owner Cecilia Campos is a former credit repair specialist for a Houston-based law office. She volunteers as a team lead for the non-profit organization Elijah Rising.
Simply Credit by Gina caters to individuals in Houston and the neighboring locations. The company handles various tasks, including credit analysis, monthly monitoring, and credit rebuilding. Its professionals are qualified in challenging questionable negative items on credit reports, verifying them, monitoring credit files, and addressing any further issues. They can handle short sales, foreclosures, charge-offs, and late payments. Simply Credit also conducts one-on-one coaching calls with clients to offer them financial education and respond to their concerns.
The Credit Xperts has been serving individuals in the Houston metro for more than a decade. The company, which has a number of locations across the US, assists clients in improving their credit scores. Its certified staff members examine clients' credit reports and dispute inaccurate items that affect their scores. Since its inception, The Credit Xperts has helped clients resolve issues surrounding collection accounts, charge-offs, past due payments, bankruptcies, student loans, and tax liens. Its practices adhere to the Fair Credit Reporting Act.
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.
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.
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.
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.
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.
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.
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.
