Expertise.com

Best Credit Repair Companies in McKinney

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Credit Repair Companies FAQs 〉

Providers

Last updated:

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

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.

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 (8774)
Yelp
2.5 / 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

Price: Free Credit Evaluation

Lexington Law logo
FEATUREDExpertise.com

Lexington Law

McKinney, 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
1304 Grapevine Cove, McKinney, TX 75071
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Jubilee Credit Freedom is a local credit repair and restoration firm that serves individuals in McKinney and the surrounding areas. The firm was established seven years ago, and its team follows a simple process that involves only three steps in restoring a client's credit rating. This includes deleting credit records from bankruptcy, late payments, repossessions, foreclosures, or tax liens. Additionally, Jubilee Credit Freedom educates its clients on the basics of credit so they can be more empowered to maintain their good credit standing.

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
5.0 / 5 (46)
Facebook
4.0 / 5 (17)
Yelp
3.0 / 5 (2)

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
12750 Merit Drive, Dallas, TX 75251
  • Credit Dispute

Why choose this provider?

MSI Credit Solutions is a credit counseling service provider that serves clients in McKinney. It specializes in improving clients' credit ratings by eliminating inaccurate items from their credit records, such as late payments, collections, charge-offs, repossessions, tax liens, and bankruptcies. The company also informs clients of their legal rights as a consumer under the Credit Repair Organizations Act of 1996. MSI Credit Solutions has been included in Inc. magazine's list of private companies that posted significant growth.

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.
4.4
Facebook
4.8 / 5 (1027)
Google
4.0 / 5 (838)

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
903 E 18th Street, Plano, TX 75074
  • Credit Dispute

Why choose this provider?

Build My Scores is a credit repair company serving customers in McKinney and the surrounding areas. It strives to help its customers achieve financial freedom by repairing and enhancing their credit scores. The company does this through several services, including consultation, credit building, and credit restoration. Restoring credit can involve issuing credit deletion letters, dispute code removals, and employment credit checks. Build My Scores also has an online portal where clients can check their progress.

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.
4.2
Facebook
4.7 / 5 (51)
Google
3.1 / 5 (23)
Yelp
4.1 / 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
6565 North MacArthur Boulevard, Irving, TX 75039
  • Credit Dispute

Why choose this provider?

Based in Irving, Honest Credit Repair provides guidance to McKinney clients on the process of credit repair. The company has experienced case analysts and case advisors that assist clients throughout the process of educating them on credit and preparing their documentation for various credit agencies. Clients are provided access to their case status and updated information, which are available 24/7. Honest Credit Repair also offers to partner with professionals in any industry who are dependent on clients with good 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.
4.6
Facebook
4.6 / 5 (13)

Website
3839 McKinney Avenue, Dallas, TX 75204
  • Credit Dispute

Why choose this provider?

Twenty4Seven Credit Repair, LLC caters to all kinds of credit cardholders nationwide, including residents of McKinney and the surrounding counties. The company offers to help those with low credit scores identify inaccurate or unsettled payments. This includes student loans, medical bills, debts, foreclosures, and unauthorized inquiries. Its staff can guide clients on removing these errors and dealing with associated creditors, collectors, and bureaus. They also teach their customers about credit score tips through videos, e-mails, and text messages.

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

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
450 Century Parkway, Allen, TX 75013
  • Debt Consolidation

Why choose this provider?

Since 2006, America Debt Resolutions has been working with clients in Allen and nearby metros, including McKinney. It offers a wide selection of financial aid services, including debt management and consolidation services as well as credit counseling. Its personnel works to ensure clients understand the processes involved in its financial aid services before and during the program's duration. America Debt Resolutions is a member of the American Fair Credit Council and is accredited by the International Association of Professional Debt Arbitrators.

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 (17)

Website
2545 Lone Star Road, Celina, TX 75009
  • Credit Audit

Why choose this provider?

Trinity Credit Services is a full-service credit restoration company that assists individuals in McKinney. It utilizes a multi-stage process, which includes a credit report evaluation and a customized credit repair plan. Its credit consultants and navigators deliver solutions that are personalized to the client's financial needs. Aside from a credit survival guide, the company also offers a client login for individuals to view their progress and assistance with the loan approval process. It has been in business since 2005.

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 (83)
Yelp
4.5 / 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
1509 Mercury Circle, McKinney, TX 75071
  • Debt Consolidation

Why choose this provider?

Sperity is a credit repair service provider that serves clients in McKinney. It specializes in removing negative items from its clients' credit records, including late payments, tax liens, bankruptcies, auto loans, student loans, and foreclosures. The business also teaches financial responsibility to its customers by giving them a long-term strategy and providing them tools to improve their credit ratings. Angela Reston, the CEO of the company, has more than 15 years of experience in the credit and finance industries.

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 (39)

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
1024 South Greenville Avenue, Allen, TX 75002
  • Credit Dispute

Why choose this provider?

US Best Credit Solutions is a financial services company that offers credit repair services across the McKinney metro. The company provides clients with credit analysis, select credit informational removal, and credit restoration. US Best Credit Solutions also maintains multiple mortgage partners to help clients with their homeownership goals. It educates clients on credit, adding knowledge on topics like budgeting, tax management, and credit card management. The company maintains an attorney on staff to ensure maximum legal compliance.

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 (32)
Yelp
4.0 / 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
2305 South Custer Road, McKinney, TX 75070
  • Credit Monitoring

Why choose this provider?

Southern Credit Repair is a family-owned credit improvement company that serves the McKinney community and nearby areas. As a personal credit counselor, the business analyzes credit reports and educates its clients on how to further boost their credit ratings. It also helps clients in removing items that lower their credit score, as well as anything that does not comply with the Fair Credit Reporting Act. The company has been operating in the state since 2006.

Website
2435 North Central Expressway, Richardson, TX 75080
  • Debt Consolidation

Why choose this provider?

Acquired Consumer Credit Repair serves the residents of McKinney and the surrounding areas. Its team of professionals has over 50 years of collective experience in the finance industry, including personal finance, collections, credit reporting, and mortgage. The company helps clients improve their credit scores by analyzing their credit reports and disputing any incorrect information. Resolving these issues improves clients' credit scores, giving them access to better financial services. Additionally, Acquired Consumer Credit Repair also offers identity theft repair solutions.

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
4.6 / 5 (11)
Google
5.0 / 5 (2)

Website
PO Box 261356, Plano, TX 75026

Why choose this provider?

Omega Credit Repair provides credit consulting and management solutions across the McKinney area. Its services include helping clients manage their obsolete and lacking credit information. Clients can opt for special individual and couple credit repair programs. The company also helps with credit education, guiding clients on topics like illegal collection activity, credit information deletions, and financial management. The company opened its doors in 2004, and its management team has more than 40 years of credit repair 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 (43)

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
6401 Eldorado Parkway, McKinney, TX 75070
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

Wayne, the Credit Guy, is a credit restoration company based in McKinney. The company’s owner, Wayne Sanford, has been in the credit industry for more than 16 years. He has analyzed more than 20,000 credit reports. Wayne, the Credit Guy's credit repair service, involves fixing inaccuracies and unverifiable data in credit reports. In addition, it also provides debt consolidation solutions for both consumers and business owners. Furthermore, credit education about revolving and installment accounts is available.

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.
4.1
Google
4.0 / 5 (41)
Yelp
5.0 / 5 (2)
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

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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Legitimate credit repair can be useful in wiping inaccurate or fraudulent records from your credit report, or resolving ident...