Best Credit Repair Companies in Missouri City

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Last updated: October 1, 2022

27 Credit Consulting & Finance

1940 Fountain View Dr., Houston, TX 77057

Credit Audit

27 Credit Consulting & Finance offers its solutions in communities throughout Missouri City. It conducts consultations and discussions regarding credit law and guidelines in order to assist individuals in consolidating their debt and addressing consumer and mortgage issues. Its team provides status updates regarding a client's financial situation, as well as appropriate recommendations that aim to provide long-term relief and the improvement of credit scores. The firm also deals with creditors and related bureaus, challenging inaccuracies and other negative items on a client's score report.

America’s Best Credit and Debt Consultants

13130 Memorial Drive, Houston, TX 77079

Credit Dispute

America’s Best Credit and Debt Consultants caters to clients in Missouri City. The company offers credit repair and debt settlement services. Its specialists work closely with clients to understand their financial goals and develop plans based on their needs. They contact credit bureaus, collection agencies, and creditors on clients’ behalf to update, correct, and delete inaccurate information on their credit reports. Its associates also work with loan officers, mortgage brokers, and real estate agents. They can communicate in Spanish.

Bad to Good Credit LLC

Houston, TX 77001

Credit Monitoring

Bad to Good Credit, LLC, fights for the consumer rights of individuals in Missouri City. It helps clients repair and improve their credit scores by disputing inaccurate information on their credit reports, such as late payments, student loans, medical collections, bankruptcies, inquiries, and repossessions. Its team also assists victims of identity theft to challenge the fraudulent accounts in their files. Additionally, the company provides clients with credit usage education to guide them in making informed decisions.

Credit Recovery Group

8323 Southwest Freeway, Suite 708, Houston, TX 77074

Credit Monitoring

Credit Recovery Group serves individuals in Missouri City. It helps clients improve their credit ratings through credit repair by submitting verification letters to Equifax, Experian, and TransUnion to correct and remove inaccurate data in clients' credit reports. The firm handles the re-investigation requests and reviews the remaining unverified data. It also provides clients with budget planning tools and 24/7 online tracking to maintain good credit scores. It is a member of the National Association of Credit Services Organizations. The firm can accommodate Spanish speakers.

Credittude Financial Hub

77 Sugar Creek Center Blvd #600, Sugarland, TX 77478

Debt Consolidation

Since 2008, Credittude Financial Hub has been serving clients throughout Missouri City. It conducts a credit restoration process that involves credit analysis and disputing records such as student loans, late payments, hard inquiries, foreclosures, and evictions. In addition to personal credit, it also helps small business owners and shelf corporations build and apply for credit to obtain funding. To date, Credittude Financial Hub has worked to remove more than 438,000 negative items for over 82,700 customers.

Crofton Financial Group

7324 SW Freeway Suite #1471, Houston, TX 77074

Credit Monitoring

Crofton Financial Group serves clients in Missouri City. The company caters to individuals looking to improve their credit score, refinance their loans, lower their debt, and correct inaccuracies on their accounts. It provides a unique approach based on the client's needs to remove negative items on their report and re-establish their credit score. It is also a certified Women's Business Enterprise. Its CEO, Monica Crofton, has been in the financial industry for over 14 years as an underwriter, banker, and loan officer.

Elescore Credit Consulting

10101 Southwest Fwy #400-B, Houston, TX 77074

Credit Monitoring

Elescore Credit Consulting helps residents in Missouri City improve poor credit scores by disputing inaccurate and unverifiable items from reports. The company develops credit repair plans that include credit consultation and unlimited disputes on existing and new accounts. It also utilizes advanced credit repair techniques such as debt validation, payment and settlement negotiation, and goodwill letters sent to creditors. In addition, it guides clients in rebuilding credit by giving personalized strategies that optimize the FICO scoring formula.

Finesse Your Finances

Houston, TX 77001

Credit Dispute

Finesse Your Finances is a Houston-based business that serves clients in Missouri City and the neighboring areas. It provides consumer, mortgage, and business credit repair services. Its case analysts and advisors work with clients to determine credit repair action plans and prepare custom dispute letters. They also help remove charge-offs, collections, delinquencies, bankruptcies, judgments, and inquiries listed on the credit reports from Experian, Equifax, and TransUnion. Finesse Your Finances offers general and mobile notary public services.

Red Brick Credit Repair

Houston, TX

Debt Consolidation
Credit Audit
Credit Dispute

Red Brick Credit Repair serves clients with negative financial records in Missouri City and nearby areas. It holds credit report consultations so customers can have a better understanding of how to build and use their credit. It also works with creditors in removing reports that have negative impact on credit scores, such as student loan debt, bankruptcy, collections, evictions, and repossessions. The company's team is trained on current statutes, laws, and credit reporting practices.

Smart Fit Credit Repair

2023 Hampton Breeze Ln, Rosenberg, TX 77469

Credit Dispute

Smart Fit Credit Repair serves clients in Missouri City to help increase their credibility for getting a loan, mortgage, employment, or leasing approval. Its staff members analyze reports to identify negatively reported accounts. They address red flags like inquiries, collections, late payments, and charge-offs. They prepare the documents for raising disputes with appropriate agencies like creditors and bureaus. They also teach consumers which habits they can cultivate to build positive credit scores. The firm has Spanish-speaking team members.

The Polished Report

PO BOX 2198, Missouri City, TX 77459

Credit Monitoring

The Polished Report helps clients in Missouri City repair their credit scores and guide them toward a healthier relationship with money. The women-owned company challenges large banks and credit bureaus using proven methods. Its process includes disputing inaccurate, outdated, and obsolete information on credit reports. Its specialists also provide tools and share best practices on living a financially independent lifestyle. Customers are provided access to an online portal where they can track the dispute letters being sent to bureaus in real time.

The Virtual Coaching Center

2646 S Loop West, Houston, TX 77054

Debt Consolidation

The Virtual Coaching Center has been serving clients in Missouri City and nearby areas for more than two years now. It assists individuals in improving their credit scores and obtaining over $400k in credit approvals by conducting detailed credit reviews. It gives clients access to a customized blueprint that includes all errors on their credit report. Its team of credit improvement specialists resolves the issues, allowing them to improve their credit scores and approval rates.

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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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