Expertise.com

2024

Last updated:

Best Credit Repair Companies in McAllen

Our Recommended Top 11

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 McAllen 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.

109Reviewed

69Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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 (5320)
Yelp
2.5 / 5 (23)

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 logoFEATUREDExpertise.com

Lexington Law

McAllen, TX
  • Credit Repair
  • Consumer Credit Services

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

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 Report Consultation

Website
5522 North 10th Street, McAllen, TX 78504
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Supreme Credit Services is a business in McAllen that has been helping people with credit issues for 14 years. Its services include budgeting, debt management, case preparation, reinvestigation press, request validation, and monitoring. The firm focuses on repairing its client's credit reports, guides them through the maze, assists them in making the right choice, and helps them to achieve positive results. The previous clients of Supreme Credit Services have praised its helpful and knowledgeable services.

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.
4.0
Google
4.0 / 5 (29)

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
Palmview, TX
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Adonilee Credit Solutions is a Texas credit repair company serving families and individuals in McAllen, and it’s vicinities. It was founded by Jacob Adonis Garza and Cassandra Lee Garza, a husband and wife duo of board-certified credit consultants who have experienced firsthand the disadvantages of less-than-perfect credit scores. They deal extensively with all types of credit hindrances, from hard inquiries and late payments to bankruptcies and hospital bills. Additionally, the Adonilee Credit Solutions team is bilingual and proficient in assisting English and Spanish-speaking clients.

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 (14)
Facebook
5.0 / 5 (4)

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
2105 N 10th St B, McAllen, TX 78501
  • Credit Dispute

Why choose this provider?

Zap Credit Solutions is a credit repair service operating in McAllen. The company helps clients build their credit scores to attain their financial goals, such as car, home, and business ownership. Besides credit repair, Zap Credit Solutions also deals with problems like damaged credit and identity theft. Furthermore, it adds knowledge to clients through credit education. A family-owned company, Zap Credit Solutions has been providing credit repair solutions for more than 30 years. It has received compliments from clients for being responsive.

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.
4.0
Facebook
4.0 / 5 (180)
Google
4.0 / 5 (86)

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
1313 East Hackberry Avenue, McAllen, TX 78501
  • Credit Monitoring

Why choose this provider?

National New Beginnings is a nationwide company that provides credit repair and restoration services to people in McAllen. Its team members remove inaccurate information on clients' credit files, such as student loans, late payments, judgements, and short sales. The business also offers credit counseling and monitoring services. Each customer has access to a client portal to check their status and take advantage of the resources provided. CEO Veronica Escamilla has been in the industry since 2007.

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.
4.0
Google
4.0 / 5 (30)
Facebook
4.0 / 5 (23)

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
1106 West Veterans Boulevard, Palmview, TX 78572
  • Credit Audit

Why choose this provider?

JJ Credit Repair serves the credit repair needs of clients in the McAllen area. It offers assistance on personal credit disputes, assists clients throughout the process, and creates dispute letters for them. It has successfully assisted with bankruptcies, foreclosures, collections, and credit card debts. JJ Credit also provides clients easy access to their accounts 24/7. The business has connections with different banks and credit card companies, like Bank of America, Citibank, UnionBank, Merril Lynch, American Express, and others.

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
Facebook
4.9 / 5 (85)
Google
5.0 / 5 (14)

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
2408 Brock Street, Mission, TX 78572
  • Credit Dispute

Why choose this provider?

Rapido Credit Repair is a credit repair firm that serves clients in the McAllen area. Its services include personalizing dispute options, drafting customized dispute letters, and conducting credit education. Among its credit education programs is a walkthrough of credit card basics and document preparation. The mobile app of Rapido Credit Repair provides companies with 24-hour status updates for their clients and customers, which is an additional benefit of its partner programs for enterprises. These programs cover credit education, bank-level security, and mobile app development for companies.

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.
4.0
Google
4.0 / 5 (273)

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
711 West Nolana Avenue, McAllen, TX 78504
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Easy Solutions is a technology-based company that provides credit repair services, including credit analysis and credit report improvement. The company also helps build clients' knowledge through credit education. Easy Solutions also offers credit card management, loan consolidation, and real estate services. The company is founded in 2010 by its CEO Elias Sandoval. He has more than 14 years in the financial and credit services industry. He is also a recipient of the Emerging Leader of the Year Award from the U.S. Small Business Administration.

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.
4.0
Google
4.0 / 5 (56)

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
2620 Pecan Boulevard, McAllen, TX 78501
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

The Credit Repair Pros is a debt management company that serves clients in McAllen. To help clients in getting loans and employment opportunities, the company removes negative items from their credit reports that include late payments, inquiries from lenders, co-signed credit applications, and credit card balances. In addition, it is knowledgeable about federal rules that safeguard clients from unfair billing, illegal collection activities, and inaccurate reporting. The Credit Report Pros also communicates with credit bureaus and companies through phone, mail, and online.

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 (10)

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
813 North Main Street, McAllen, TX 78501
  • Credit Audit

Why choose this provider?

Pronto Credit helps the residents of McAllen repair their credit scores and build a positive credit profile. It has a range of programs, each tailored to its clients' specific needs and financial situations. These include the Silver Program, which raises credit scores to the 650s to 700s; the Gold Program, which boosts credit scores to the 700s to 750s; and the Platinum Program, which is recommended for businesses. Each program is proctored by an experienced credit specialist who renders personalized credit repair services.

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 (985)
Google
5.0 / 5 (231)

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

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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