Best Credit Repair Companies in McKinney

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Last updated: September 26, 2022

Acquired Consumer Credit Repair

2435 North Central Expressway, Richardson, TX 75080

Debt Consolidation

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.

America Debt Resolutions

450 Century Parkway, Allen, TX 75013

Debt Consolidation

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.

Build My Scores

903 E 18th Street, Plano, TX 75074

Credit Dispute

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.

Honest Credit Repair

6565 North MacArthur Boulevard, Irving, TX 75039

Credit Dispute

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.

Jubilee Credit Freedom

1304 Grapevine Cove, McKinney, TX 75071

Credit Monitoring
Credit Audit
Credit Dispute

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.

MSI Credit Solutions

12750 Merit Drive, Dallas, TX 75251

Credit Dispute

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.

Omega Credit Repair

PO Box 261356, Plano, TX 75026

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.

Southern Credit Repair

2305 South Custer Road, McKinney, TX 75070

Credit Monitoring

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.

Sperity

1509 Mercury Circle, McKinney, TX 75071

Debt Consolidation

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.

Trinity Credit Services

2545 Lone Star Road, Celina, TX 75009

Credit Audit

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.

Twenty4Seven Credit Repair LLC

3839 McKinney Avenue, Dallas, TX 75204

Credit Dispute

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.

US Best Credit Solutions

1024 South Greenville Avenue, Allen, TX 75002

Credit Dispute

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.

Wayne the Credit Guy

6401 Eldorado Parkway, McKinney, TX 75070

Debt Consolidation
Credit Monitoring

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.

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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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