Expertise.com

2024

Last updated:

Best Credit Repair Companies in Pearland

Our Recommended Top 13

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 Pearland 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.

89Reviewed

58Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Lexington Law

Pearland, 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

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
5444 Westheimer Rd #1080, Houston, TX 77056
  • Credit Dispute

Why choose this provider?

Classy Credit addresses the needs of clients in Pearland and the surrounding areas. The company assigns clients to a personal credit specialist, working closely with them from start to finish. Its specialists offer a credit plan based on the client's goals, which include individualized strategies to improve their scores. These plans include adding positive accounts to the customer's profile and offering monthly progress reports. The company also provides home buying programs and 24/7 client portal access.

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.
4.5
Yelp
4.2 / 5 (49)
Facebook
5.0 / 5 (26)
Google
4.7 / 5 (24)

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 E Nasa Parkway STE 214 D, Houston, TX 77058
  • Credit Monitoring

Why choose this provider?

755 Credit Score caters to customers in the Pearland metro and the surrounding communities. It helps rebuild credit scores by offering repair solutions. Its process involves examining the clients' credit reports from the three major bureaus and developing and presenting a personalized plan addressing the negative items listed. Some of the items it disputes are bankruptcies, charge-offs, collections, excessive inquiries, foreclosures, and judgments. Identity theft, late payments, public records, reporting errors, and repossessions are also included.

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

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
Pearland, TX
  • Debt Consolidation

Why choose this provider?

Credit Repair Houston - 777 Credit Repair Service caters to the needs of the Pearland metro and surrounding areas. The firm helps clients improve their credit scores by challenging and removing reports such as late payments, repossessions, judgments, and foreclosures. Its professionals guide clients in every step of the credit score rebuilding process, from initial discussion and credit bureau correspondence to action plan formulation and monitoring. Credit Repair Houston has been serving the community since 2003.

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)

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
6724 Fairmont Pkwy, Pasadena, TX 77505
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

ASAP Credit Repair is a family-owned and family-operated business serving Pearland residents. It provides credit repair and restoration solutions to help individuals and families obtain their dream investment properties. The company settles various credit report issues, involving late payments, charge-offs, repossessions, judgments, foreclosures, and bankruptcies. Its specialists also review credit histories to identify negative items and educate clients on how to maintain high credit scores. ASAP Credit Repair has been in the industry for nearly a decade.

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.
4.5
Facebook
4.6 / 5 (264)
Yelp
3.0 / 5 (27)

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
9999 Bellaire Blvd Suite 909, Houston, TX 77036
  • Credit Monitoring

Why choose this provider?

KC Portfolio Capital offers services to customers in the Pearland area. It helps clients improve their credit scores. The company reviews credit reports to examine possible inconsistencies and whether the credit providers met their obligations. Its team also negotiates with creditors to remove overdue payment listings, fraudulent identity thefts, tax liens, foreclosures, and collections and charge-offs from the clients' credit files. KC Portfolio Capital was featured on Fox, CBS, NBC, ABC, and MarketWatch.

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
Google
4.9 / 5 (75)
Facebook
5.0 / 5 (7)

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
5444 Westheimer Road #1000, Houston, TX 77056
  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Trifecta Credit Repair caters to the needs of individuals in Pearland. For more than 26 years, it has been helping clients evaluate their credit reports and identify the factors that affect their credit scores. Its team closely work with them in planning a comprehensive solution that repairs their credit within their expected timeframe, usually within 45 to 90 days. The company also implements a Fast Track program that focuses on fixing the clients' credit issues.

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
Google
5.0 / 5 (51)
Facebook
4.8 / 5 (38)

Website
Houston, TX 77001
  • Debt Consolidation

Why choose this provider?

Finesse Your Finances provides services to repair and improve the credit records of clients in Pearland and the neighboring communities. It works with credit bureaus in challenging negative records such as late payments, charge-offs, errors, and collections. The company has an online dashboard that clients can use to keep track of how their credit scores and records have improved. Finesse Your Finances also coaches them on how to maintain positive financial records so they can maximize their credit scores.

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 (5)
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
10223 Broadway, Suite P*731, Pearland, TX 77584
  • Credit Dispute

Why choose this provider?

Manifesting Credit Concepts LLC caters to clients in Pearland and its surrounding areas. It offers credit repair solutions to individuals, families, real estate agents, tax professionals, and lawyers. The firm removes negative items on clients' credit reports such as delinquencies, bankruptcies, tax liens, judgments, inquiries, and charged-off accounts. It also provides guidance on how clients can maintain healthy finances. The firm's owner and consultant, Michelle Bessard-Harris, has over 12 years of experience in the industry.

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.
4.5
Facebook
4.2 / 5 (55)
Yelp
4.8 / 5 (39)
Google
5.0 / 5 (11)

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
Houston, TX 77001
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

713 Tax and Credit Repair, LLC, serves clients in Pearland and the surrounding areas. It offers a wide range of services, including credit repair education, private assessment, financial guidance, and monitoring of credit report changes. It specializes in disputing items involving bankruptcy, loans, collections, foreclosure, and installment accounts. The firm communicates with major credit bureaus such as TransUnion, Experian, and Equifax to remove negative issues from clients' credit reports and improve their scores.

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 (22)

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
17350 State Highway 249, Ste. 220, #4095, Houston, TX 77064
  • Credit Monitoring

Why choose this provider?

Credit Lift Inc. helps Pearland individuals and families improve their finances. The firm assists consumers in improving credit scores through services such as restoration, rebuilding, and counseling. Its professionals guide clients in the credit improvement process, from initial consultation and assessment to action plan monitoring and removal of charge-offs, outdated accounts, and late payments. Its founder, Taqwanna Clark, has been in the industry for over six years. She is a board-certified Credit Consultant and a member of the CCA.

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
24275 Katy Fwy, Katy, TX 77494
  • Credit Monitoring

Why choose this provider?

Serving Pearland, 123 Credit Resolution Consultants offers packages to residents designed to improve their credit scores. The process starts with a credit report analysis. The company writes letters to credit bureaus in order to challenge negative items and demand their removal. It gives live updates on the credit repair status through a secure client portal, and once a good score is achieved, it provides education on credit maintenance. Additional services include identity theft protection, financial coaching, text message alerts, and debt negotiations.

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
Google
4.6 / 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

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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