Expertise.com

2024

Last updated:

Best Credit Repair Companies in Pharr

Our Recommended Top 9

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 Pharr 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.

64Reviewed

42Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Pharr, TX
  • Money Back Guarantee
  • Credit Audit
  • Credit Restoration
  • Credit building
  • 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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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 logoFEATUREDExpertise.com

Lexington Law

Pharr, TX
  • Credit Repair
  • Consumer Credit Services

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
Facebook
4.3 / 5 (2911)
Google
3.0 / 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

Price: Free Credit Report Consultation

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

Why choose this provider?

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.

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 (72)
Facebook
4.8 / 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
5522 North 10th, McAllen, TX 78504
  • Credit Monitoring

Why choose this provider?

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.

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
Google
4.0 / 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

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

Why choose this provider?

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.

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
Google
4.7 / 5 (56)

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

Why choose this provider?

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.

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
Facebook
4.6 / 5 (260)
Google
5.0 / 5 (5)

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

Why choose this provider?

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.

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 (100)
Facebook
4.8 / 5 (21)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

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
Google
4.7 / 5 (30)
Facebook
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

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

Why choose this provider?

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.

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

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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