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Best Credit Repair Companies in Pharr

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ASAP Credit Repair logo

ASAP Credit Repair

917 B-C Ave, McAllen, TX 78501
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  • Credit Monitoring

ASAP Credit Repair caters to individuals and business owners in Pharr and the neighboring areas. The company obtains clients' credit reports and creates plans on how to address negative items like excessive inquiries, late payments, repossessions, charge-offs, and collections. It challenges the negative items and secures the accuracy and fairness of credit reports in order to raise credit scores. ASAP Credit repair also shows clients how to rebuild their credit and teaches them techniques for maintaining positive credit.

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Big Joe logo

Big Joe

5522 North 10th, McAllen, TX 78504
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  • Credit Monitoring

Big Joe is a credit repair company serving clients in Pharr and the neighboring regions. Its services include improving credit scores that can help lower interest rates on loans for people considering significant purchases. The firm's consultants evaluate credit scores and counsel clients on their legal rights. The specialists also communicate with credit bureaus, prepare a case for disputing invalid entries, conduct investigations, request validations, and monitor reporting agencies' compliance. Big Joe is a member of the National Association of Credit Services Organizations.

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Easy Solutions logo

Easy Solutions

711 W Nolana Ave #201B, McAllen, TX 78504
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  • Credit Monitoring

Easy Solutions serves the credit restoration needs of people throughout the Pharr metro and its surrounding communities. It provides credit repair services that legally remove inaccurate information from credit reports, such as late payments, foreclosures, repossessions, and charge-offs. The company's program includes monthly credit analysis and report improvements. Its certified credit counselors and debt specialists have served over 14,000 clients in more than 500 cities since 2010. As a technology-based company, it offers 24-hour online access to case progress and virtual customer assistance.

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JJ Credit Repair logo

JJ Credit Repair

1106 W Veterans Blvd Ste C, Palmview, TX 78572
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  • Credit Dispute

JJ Credit Repair is a Palmview-based company that caters to the Pharr metro and the surrounding areas. It helps clients rebuild and maximize their credit scores by offering credit restoration solutions. Its team of case analysts and advisors develops personalized dispute options suited to the clients' repair needs and sends customized dispute letters to the credit bureaus. JJ Credit Repair also features a client portal, allowing customers to monitor their account's status and progress 24/7.

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National New Beginnings logo

National New Beginnings

1313 E. Hackberry, Mcallen, TX 78501
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  • Credit Monitoring

National New Beginnings is a credit repair company that serves clients in Pharr and nearby areas. It works with credit bureaus and creditors to remove negative report items, including late payments, foreclosures, repossessions, bankruptcy, public records, and charge-offs. The company helps improve credit scores and provides a 24/7 monitoring system where clients can view their progress. National New Beginnings is an extension of the JVE Group. It is headed by Veronica Escamilla, who has been in the credit repair industry since 2007.

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Xperts Credit Solutions logo

Xperts Credit Solutions

612 W. Nolana Ave. Ste 415, McAllen, TX 78504
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  • Credit Monitoring

Xperts Credit Solutions serves clients in Pharr and nearby areas. It offers consultation, analysis, credit building, and credit repair services. It identifies the negative items affecting credit scores and challenges the credit bureaus by using disputing tactics and strategies. It also educates clients on how to properly use their credit in order to accelerate the credit improvement process. To allow clients to monitor their files, the firm has an encrypted portal that is updated every 45 days.

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Zap Credit Solutions logo

Zap Credit Solutions

1273 Alton Gloor Blvd STE E, Brownsville, TX 78526
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  • Credit Monitoring

Zap Credit Solutions has been serving the people of Pharr and the surrounding areas for over three decades. Its specialists help clients achieve their goals, including buying a home, purchasing a new car, or qualifying for a credit card by improving their credit rankings. They remove negative accounts from three credit bureaus, such as TransUnion, Experian, and Equifax, and dispute any identity theft that adversely affects credit scores. The team keeps the credit histories of clientele current and accurate.

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Zap Credit Solutions logo

Zap Credit Solutions

2105 N 10th St B, McAllen, TX 78501
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  • Credit Dispute

Zap Credit Solutions caters to families and individuals in Pharr and nearby areas. It offers credit repair services to help clients achieve their investment properties and credit goals. The company evaluates current credit reports and discusses various derogatory items that affect clients' credit scores. Its specialists conduct investigations to permanently delete bad credit reports, which involve unpaid mortgages, tax liens, and repossessions. Zap Credit Solutions is a family-owned and family-operated business that has been in the industry for over three decades.

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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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