Expertise.com

2024

Last updated:

Best Credit Repair Companies in Longview

Our Recommended Top 8

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 Longview 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.

65Reviewed

42Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Longview, TX

Expertise.com Rating

Review Sources

Google
4.8 (8763)
Yelp
2.5 (26)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

  • Credit building
  • Credit Repair
  • Credit Audit
  • Money Back Guarantee
  • Credit Restoration
Lexington Law logo

Lexington LawExpertise.com

Longview, TX
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)

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.

  • Consumer Credit Services
  • Credit Repair

​303 West Burleson Street, Rm. 6, Marshall, TX 75670

Expertise.com Rating

Review Sources

Facebook
5.0 (14)

Why choose this provider?

My Credit Reset, LLC, serves individuals and business owners in Longview and nearby areas. It offers credit consultation services, including credit education and document and dispute letter preparation for the various credit agencies. Clients can access their case status and updated information online 24/7. My Credit Reset conducts online seminars for small business formation strategies. It partners with attorneys, auto dealers, and mortgage, real estate, and tax professionals looking to repair their clients' credit scores.

  • Credit Monitoring
  • Credit Audit

13388 FM 849 Ste. A, Lindale, TX 75771

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
5.0 (15)

Why choose this provider?

Cut Up Debt caters to communities throughout Texas, including Longview. The company provides credit repair and debt relief solutions that involve personalized plans which suit a client's financial situation and long-term goals. Its team, which includes members of BNI Northeast Texas and the Lindale Area Chamber of Commerce, educates individuals regarding their credit and debt portfolios through consultations and evaluations. In addition, it disputes negative items on reports, adds positive credit accounts, and seeks financial compensation for clients regarding violations of related guidelines and laws.

  • Debt Consolidation
  • Credit Monitoring

7922 S Broadway Ave. Unit #102, Tyler, TX 75703
Website

Expertise.com Rating

Review Sources

Facebook
4.6 (401)

Why choose this provider?

ASAP Credit Repair has been offering services to clients in Longview since 2013. The firm advocates for clients against creditors, collection agencies, and credit bureaus. Its team of specialists assists individuals in removing negative items from their credit reports and adding new credit accounts to improve their credit scores. They give clients access to a credit score tracker that allows them to monitor changes. ASAP Credit Repair advises clients on how to manage finances to further improve their credit situations.

  • Credit Monitoring

3000 Joe Dimaggio Suite 77, Longview, TX 78665

Expertise.com Rating

Review Sources

Google
4.6 (46)
Facebook
5.0 (19)

Why choose this provider?

Rock Credit Repair, LLC, is a financial company offering solutions to rebuild the monetary assets of individuals in Longview and nearby areas. It offers a variety of services, including credit management and debt negotiation. Its team works with homebuyers with bad credit records, helping them purchase residential properties. It also provides other options, such as tax preparation and bookkeeping services. The company promotes good credit by eliminating record errors and negotiating the removal of negative accounts.

  • Credit Monitoring
  • Credit Dispute

411 N Fredonia Street #102, Longview, TX 75601

Expertise.com Rating

Review Sources

Facebook
5.0 (77)
Google
5.0 (21)

Why choose this provider?

Chadwick Financial Solutions fixes the credit ratings of debtors in Longview. The firm delivers professional audits to determine which aspects of one's credit reports to dispute. It formulates plans for maintaining liquidity. The office is experienced in dealing with major credit unions, including Equifax, TransUnion, and Experian. The company maintains an online portal that is accessible 24/7 and enables individuals to see up-to-date changes on their records. Founder LaRon Chadwick deals with identity theft and its effects on one's financial status.

  • Credit Audit
  • Credit Dispute

1921 N Forest, Tyler, TX 75702

Why choose this provider?

Good1 Credit Repair assists Longview residents in improving their creditworthiness. Its consultants determine the solutions required by clients by identifying which accounts have an impact on their scores. They deal with the removal or correction of derogatory items such as old addresses, bankruptcies, late payments, or collections by corresponding with the appropriate agencies. Individuals' other financial concerns are also assessed by the company's advisors, who guide them in making decisions about wills, investments, tax liabilities, and insurance policies.

  • 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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...