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Best Credit Repair Companies in Irving

2024

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

Why choose this provider?

Credit Saint is a credit repair company that offers comprehensive credit restoration services in Irving. It helps clients understand the credit repair process and provides custom packages, which come in different levels to fit the client's unique situation, needs, and preferences. The company's professionals start the process by creating a credit monitoring account for the client and analyzing the credit history to determine the next crucial steps in repairing credit.

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

Lexington Law logo
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Lexington Law

Irving, TX
  • Consumer Credit Services
  • Credit Repair

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

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
4.3 / 5 (2911)

Price: Free Credit Report Consultation

Website
400 N Ervay St #130534, Dallas, TX 75313

Why choose this provider?

GE Credit Solutions assists individuals in Irving who need to improve or correct their credit scores. Its services include analyzing consumers' credit histories in order to identify and challenge inaccurate and outdated information. Its analysts and advisors negotiate existing debts on behalf of customers. They also offer budgeting advice for clients to maintain healthy credit scores and achieve their long-term financial goals. Individuals have 24/7 access to their accounts on an online portal and receive live status updates.

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 (108)
Facebook
5.0 / 5 (26)

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
13612 Midway Road, Suite 505, Dallas, TX 75244
  • Credit Monitoring

Why choose this provider?

Shapiro Hurst & Associates, LLC, offers credit repair solutions to clients in Irving. Its team members examine TransUnion, Equifax, and Experian credit reports to look for items that need correction. They work with an approach that removes questionable accounts without leaving a dispute notation to the individuals' credit reports. In addition, the team strives to deliver credit repair and rebuilding within 30 days. Shapiro Hurst & Associates, LLC's vision is to help their clients have great credit to make a positive change in the world.

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
4.8 / 5 (47)
Google
4.6 / 5 (19)

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
1825 West Walnut Hill Lane, Irving, TX 75038

Why choose this provider?

One Credit Care is a credit restoration company in Irving that has been specializing in credit building and restructuring for the past 15 years. Its credit repair professionals help fix lost credit through the removal of inaccurate and negative data from the credit report that includes foreclosures, bankruptcies, tax liens, late payments, charge-offs, and short sales. The company also provides weekly education and information to continue raising clients' credit scores.

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 (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
13601 Preston Rd Ste E920C, Dallas, TX 75240

Why choose this provider?

Xpert Credit Repair is a credit restoration company serving the Irving area with a delete-then-pay system. The company reviews and audits its clients' credit reports and recommends ways to improve credit. It challenges credit bureaus, creditors, and debt collectors, targeting incorrect, outdated, and unverifiable information quickly. Consumer credit attorneys review clients' credit reports to evaluate potential errors. Xpert Credit Repair uncovers Fair Debt Collection Practices Act / Fair Credit Reporting Act violations during this process in the hopes that clients may receive money from creditors for actual or statutory damages.

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 (1)
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
1717 McKinney Avenue, Dallas, TX 75202

Why choose this provider?

Dallas Credit Repair Company provides outsourced services in credit counseling, student loan consolidation, credit card building, attorney-backed credit repair, and bankruptcy removal for clients in Irving and the rest of the Dallas metropolitan area. The company can provide tailor-fitted solutions to individuals with financial problems ranging from late payments to repossessions and bankruptcies. Dallas Credit Repair Company offers credit repair options involving third-party collection accounts, creditor accounts, and bankruptcy removal accounts.

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
1409 S. Lamar, Ste 239, Dallas, TX 75215
  • Credit Dispute

Why choose this provider?

Canal Credit Repair caters to individuals in Irving and the surrounding communities. The company comprehensively counsels its clients on how the credit scoring system works, helps them build and maintain positive credit, and goes over past financial mistakes to provide recommendations. It also spots problems and violations in its clients' accounts and, as needed, refers them to the consumer credit attorneys at the J. Gannon Helstowski Law Firm to pursue legal resolution. Founder Chris Ebert has been working in the credit repair industry since 2003.

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
3930 Glade Rd. Suite 108-224, Colleyville, TX 76034
  • Credit Audit

Why choose this provider?

KCMS Financial Group, LLC, provides credit repair assistance to clients in Irving. It offers credit restoration programs that focus on improving and maintaining individuals' positive standing for a stable financial situation. It also utilizes tools from various institutions, such as Celtic Bank, GreenLight, and First Progress. Maria Smith founded the company in 2012 after becoming a victim of a credit repair scam. She established KCMS with the aim of helping people achieve financial security through credit education.

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 (33)

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

Why choose this provider?

700 Credit Repair is a credit restoration company helping clients improve credit profiles throughout Irving and the surrounding regions. The company has been in the industry since 2007. Its team of professionals offers several programs, including boat ownership, credit builder, motorcycle approval, auto express, and camper credit plans. Founder and CEO William Alt is a certified credit repair agent who has more than 25 years of credit and mortgage 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.
5.0
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
1901 Central Dr. Ste. 805, Bedford, TX 76021
  • Credit Monitoring

Why choose this provider?

Community Credit Repair provides services to the people of Irving and the surrounding areas. The company's specialists assist individuals in improving their credit rankings and correcting errors on their credit records. They review clients' credit and help identify their reports' incorrect, outdated, and unverifiable information. They also negotiate with credit bureaus, collectors, and lenders to dispute negative items on clients' reports that affect their ratings. Community Credit Repair has served 160 clients and completed 130 cases.

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
2626 Cole Ave. Suite 300, Dallas, TX 75204
  • Credit Audit

Why choose this provider?

AMB Credit Consultants is a credit repair company serving the Irving community. It assists clients in renovating their credit records by conducting an initial consultation to provide realistic methods, reviewing credit reports to identify inaccuracies or questionable items, and guiding them through their new credit lifestyle. Its team communicates with creditors, credit bureaus, and collection agencies for accurate reports. For over a decade, the company's founder, Arnita Johnson-Hall, has been helping individuals reach their financial goals through the AMB Credit Empowerment Program that she crafted.

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
Google
4.8 / 5 (422)
Facebook
4.6 / 5 (224)
Yelp
2.0 / 5 (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

Website
4230 Lyndon B. Johnson Fwy #219, Irving, TX 75244
  • Credit Audit

Why choose this provider?

Phoenix Group Credit Services serves clients in Irving and the surrounding communities. It offers credit repair, consulting, and counseling services for individuals who are looking to become an investor, obtain home loan refinancing, and improve their credit scores for an auto loan. Its team of professionals assists with unlimited disputes, security locking, goodwill interventions, and debt validation. A past client has praised the firm for clearing up their credit after they went through a divorce.

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 (186)
Facebook
5.0 / 5 (19)

Website
1548 Bedford Rd. Ste W, Bedford, TX 76021
  • Credit Monitoring

Why choose this provider?

GreenStreet Credit Counseling serves clients in Irving and its surrounding communities. It helps clients repair their credit scores by providing a variety of packages that involve credit education, audit analysis, monthly updates, unlimited disputes, and credit building. Its team of professionals assists in building wealth and matching the clients' credits with their goals whether they are buying a house, starting a business, or getting insurance. The company conducts consultations and analyses to identify and challenge negative items on credit reports.

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)
Facebook
5.0 / 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
7309 Campbell Road Ste 200, Dallas, TX 75248

Why choose this provider?

The Manning Group, Inc., caters to clients in the Irving metro. It provides credit restoration and debt management solutions to individuals and business owners. The firm conducts credit report assessments to identify inaccurate data and address negative items such as collections, charge-offs, and late payments. Additionally, the firm educates clients on financial management and healthy credit score maintenance. The firm's president, Stacy C. Notley, has over 39 years of experience in the credit improvement 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.
4.9
Google
4.9 / 5 (79)

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
3317 Finley Rd Ste 219, Irving, TX 75062

Why choose this provider?

Crown Credit Repair is a minority-owned, family-owned, and operated credit repair company in Irving, Texas. They provide professional credit and debt counseling services; specializing in credit repair, building, and rebuilding. Crown Credit’s financial services include Credit Repair; (removing unverified, inaccurate, and outdated information from a client's credit history.) They work with the credit bureaus and creditors on your behalf, to challenge any negative credit report items. To help build credit, Crown Credit Repair provides basic financial education and information, and finally, to help rebuild credit, they help clients obtain guaranteed approval credit cards and other new financial accounts. Crown Credit strives to meet customer’s needs by providing awareness, education, and guidance in regard to personal credit debt management. Crown Credit has a perfect 5-star rating on Google and Facebook and is committed to providing excellent service and results!

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 (33)
Yelp
5.0 / 5 (22)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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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.

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