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Best Credit Repair Companies in Lubbock

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Credit Repair Companies FAQs

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2602 50th Street, Lubbock, TX 79413
Lubbock, TX 79413
Instagram
  • Credit Dispute

ASAP Credit Repair is a company that serves clients in Lubbock and the surrounding areas. Within 60 to 90 days, the organization can help people restore or improve their credit scores. Its credit consultants extensively check their clients' financial reports and contest any negative, erroneous, or unsubstantiated information. The team also helps its customers remove records of bankruptcies, foreclosures, late payments, credit fraud, and other related negative items from their credit reports. The company has served more than 100,000 clients since its inception.

2602 50th Street, Lubbock, TX 79413
Lubbock, TX 79413

InstagramWebsite(806) 642-4844

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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.

Online Profiles:

2 (Better)

Average Review Score:

4.5 / 5 ( Best)

Total Reviews:

166 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

6303 Indiana Avenue, Lubbock, TX 79413
Lubbock, TX 79413
Instagram
  • Credit Dispute

Credit Firm Incorporated is a credit repair company with offices in Lubbock and the surrounding areas. It offers complete credit repair solutions, including dispute resolution, account validations, debt settlement, and new credit establishment. Its team of certified credit specialists is well-versed in credit laws and the requirements of credit institutions, allowing them to provide tailored services and conduct credit coaching programs. Its founder, Dennis Hubbard, has over 24 years of experience in credit repair and regularly speaks about credit scoring in educational seminars.

6303 Indiana Avenue, Lubbock, TX 79413
Lubbock, TX 79413

InstagramWebsite(806) 853-8341

Show Number

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.

Online Profiles:

1 (Good)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

11 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Lubbock, TXLubbock, TX
  • Debt Consolidation

Higher Scores and More caters to clients in the Lubbock metro and the surrounding communities. It helps individuals repair their credit scores by writing custom dispute letters to the major credit bureaus. It walks clients through the process, including ordering reports, planning strategies, and monitoring the progress. The company's website features a client portal, which allows customers to keep track of their scores' status, improve their finances, and send secure messages to their case analysts and advisors.

Lubbock, TXLubbock, TX

Website(806) 441-0184

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

4.6 / 5 ( Best)

Total Reviews:

21 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Frequently Asked Questions:

Q: How do you repair credit after identity theft?
A:

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.
Q: Is credit repair legal?
A: 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.
Q: Can a credit repair company remove late payments?
A: 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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