Expertise.com

Best Credit Repair Companies in Pasadena

2024

We did the research for you!

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

Providers

Last updated:

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

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

Pasadena, 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

Price: Free Credit Report Consultation

Website
1880 South Dairy Ashford Road, Houston, TX 77077
  • Credit Dispute
  • Credit Audit

Why choose this provider?

ASAP Credit Repair is a credit consulting and management company that provides credit repair services to Pasadena metro clients. It provides services like analyzing credit reports, disputing unnecessary and outdated information, and restoring credit scores. Credit information deemed damaging, like reporting errors, repossessions, and bankruptcy information, are removed. ASAP Credit Repair also deals with credit education. It has resources on purchasing vehicles, getting business credit, and filing for personal loans. Clients commend the company's competitive pricing and excellent customer 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.
4.1
Google
4.0 / 5 (1281)
Facebook
4.5 / 5 (160)

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
1350 East Nasa Parkway, Houston, TX 77058
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Credit Repair Consulting, also known as 755Creditscore, works with Pasadena clients to improve their credit score through its credit repair services. These services include credit education and assistance in disputing improperly reported items and discharging old debts using the FCRA laws. Its website hosts several informative videos that teach clients credit-related topics, such as what factors affect a credit score and how to remove negative items. Robert Pfister, a credit professional working at Credit Repair Consulting, was featured on KTRK-TV.

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
2616 South Loop West, Houston, TX 77054
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

700 Plus Credit, LLC, is a credit repair company that serves residents in Pasadena, Houston, and the neighboring cities. It helps clients improve their credit profile, giving them access to better financial services, including better loan terms, lower insurance premiums, and access to various lines of credit. The company works with credit bureaus, disputing any incorrect information included in its clients' credit reports. 700 Plus Credit also adopts an educational approach, giving tips and advice to clients on how to maintain 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.
4.0
Facebook
4.0 / 5 (472)
Google
4.0 / 5 (401)

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
11211 Katy Freeway, Houston, TX 77079
  • Credit Dispute

Why choose this provider?

The Credit Agents is a credit counseling service provider that serves clients in Pasadena. It assists clients in improving their credit scores by eliminating negative items from their credit records, including third-party collections, tax liens, medical collections, charge-offs, foreclosures, and bankruptcies. The company also has a network of lawyers that protects consumers under the Fair Debt Collection Practices Act. In addition, its staff can speak Spanish which aids in serving the credit repair needs of the Hispanic market.

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
Google
4.0 / 5 (1740)
Facebook
5.0 / 5 (835)

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
5100 Westheimer Road, Houston, TX 77056
  • Credit Audit

Why choose this provider?

Texas Best Credit Repair is a credit repair company that specializes in the real estate market. Serving clients in Pasadena, the company is staffed by FICO-certified credit experts who offer more than 30 years of combined experience in the real estate industry. This firm's credit restoration process includes examining the clients' credit bureau reports and outlining a detailed credit improvement plan. It provides a personalized solution that is based on the customers' budget and preferences.

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 (63)
Google
4.8 / 5 (46)

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
817 Southmore Avenue, Pasadena, TX 77502
  • Debt Consolidation

Why choose this provider?

Atomic Credit Repair is a national credit restoration business serving residents in Pasadena. It provides services, such as free credit counseling, professional advice, and personalized case management and strategy development. It works with creditors and clients to improve credit scores by challenging misleading, outdated, or unverified data on credit reports. The company has been in business since 2014 and has served more than 6,000 clients. Its team of credit consultants can also help clients located anywhere in the country.

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 (2)
Facebook
5.0 / 5 (2)

Website
7676 Hillmont Street, Houston, TX 77040
  • Credit Dispute

Why choose this provider?

Based in Texas, Houston Credit Repair provides credit repair, building, and education services in Pasadena and Houston. It offers a Pay Per Delete package inclusive of in-depth credit analysis, custom-tailored action plans, dispute negotiation services, and 24/7 client portal access. Additionally, it specializes in removing financial hindrances, such as tax liens, student loans, foreclosures and repossessions, late payments and collections, and bankruptcies. Houston Credit Repair's mission is to impact its clients' lives by providing them with long-term financial education and elevating their 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.
4.1
Google
4.0 / 5 (9)
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...