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Best Credit Repair Companies in Plano

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Plano, TX 75084
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint LLC is a credit repair company that helps Plano residents remove damaging items from their credit histories and improve their credit scores. Well-versed in credit laws and experienced in working with credit bureaus, the company's credit specialists challenge errors and inaccurate information in a customer's credit report. They also educate clients on building good credit. Headquartered in New Jersey, Credit Saint has been providing credit assistance nationwide for over 15 years.

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
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

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
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Detail

Price: Free credit evaluation

The Manning Group, Inc. logo
FEATURED
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The Manning Group, Inc.

7309 Campbell Road, Dallas, TX 75248
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Business Description

The Manning Group, Inc., helps individuals improve their credit scores in Plano. The services offered by the credit and debt management company include credit restoration, credit analysis, building of debt management program, negotiation of payment settlement programs, and credit literacy consultation and training. Its president and CEO, Stacy Notley, founded the business in 1983 and has been helping individuals improve their credit scores and manage their credit use for more than 30 years. The Manning Group, Inc.'s office is located in Dallas.

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 (64)

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
CK Experts logo
FEATURED
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CK Experts

101 E Park Blvd., Plano, TX 75074
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  • Credit Monitoring
  • Debt Consolidation

Business Description

CK Experts is a Plano-based credit restoration company that assists individuals looking to buy homes for the first time. It begins its work process with an in-depth analysis of a client's credit reports. It then devises a plan that helps meet the client's goals, such as removing student loans, auto repossessions, bankruptcies, late payments, and collection accounts in the documents. The company also guides homebuyers through the approval and closing of their home loan. CK Experts partners with several lenders and Realtors, including Republic Mortgage and Texas Hometown Realty Group.

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 (34)

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
Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Plano, TX
  • Consumer Credit Services
  • Credit Repair

Business Description

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 (2869)
Yelp
1.5 / 5 (564)
Google
4.6 / 5 (380)

Price: Free Credit Report Consultation

Academy of Credit Restoration logo
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Academy of Credit Restoration

1400 Preston Road Suite 400, Plano, TX 75093
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  • Credit Audit
  • Credit Monitoring

Business Description

Academy of Credit Restoration serves clients in Plano and the surrounding areas. It helps clients in improving their credit scores by calculating and identifying areas of improvement. Its representatives facilitate conversations among clients, creditors, and credit reporting bureaus to challenge inaccurate items that affect credit scores. Academy of Credit Restoration has more than 35 years of industry experience, and it currently serves more than 100 clients. Founder Kenneth Luster, Sr., has experience working for a debt buyer and collection agency and an auto finance company.

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
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
American Debt Resolutions logo
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American Debt Resolutions

555 Republic Dr, Plano, TX 75074
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Business Description

Founded in 2006, American Debt Resolutions is a debt settlement and credit repair agency in Plano. Services include referral to affiliate partners for debt management solutions and assistance with financial issues related to bankruptcy. The affiliate debt management and credit repair programs remove excessive fees, manage creditors' and collectors' calls, reduce interest rates, and improve credit scores. The company helps clients reduce balances on personal and payday loans, overdue medical payments, and unsecured credit card debts. It also handles judgments, unsecured home equity loans, and various business debts. The American Fair Credit Council accredits American Debt Resolutions.

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 (17)
Build My Scores logo
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Build My Scores

903 18th St Ste 102, Plano, TX 75074
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Business Description

Build My Scores is a credit repair company in Plano that's been offering effective credit solutions since 2009. It provides comprehensive plans to improve credit scores. The company's specialists obtain credit reports from the three major bureaus, conduct in-depth analysis of the records, and dispute unverifiable, inaccurate, and negative items. They also assist with filing credit disputes with collection agencies. Credit repair services cover omission by silence packages, cease requests, payment assistance for deletions, sending of settlement letters, and validation of debt audits. Build My Scores also has business credit improvement programs.

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
4.2 / 5 (20)

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
C&S Credit Repair and Conultants LLC logo
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C&S Credit Repair and Conultants LLC

1400 Preston Road, Plano, TX 75093
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Business Description

C&S Credit Repair and Consultants, LLC, is a company based in Plano that helps repair and establish credit scores. It provides personalized credit consultation and analysis to identify credit scores and credit reporting errors. Its team of court-appointed consultants and mediators is experienced in resolving disputes with credit bureaus, creditors, and collection agencies. C&S Credit Repair and Consultants is committed to providing its clients with regular and transparent status updates.

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
Cosmo Credit Repair logo
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Cosmo Credit Repair

2591 Dallas Parkway, Frisco, TX 75034
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Business Description

Cosmo Credit Repair assists individuals in improving their credit scores in Plano. Its services include credit repair, establishing credit, and dispute removal. The company works with creditors and credit bureaus in the assessment of credit reports and addressing credit score issues. The service provider was founded in 2012 and counts Peoples Mortgage Company, American Financial Network, Inc., and New American Funding in its network of exclusive creditor partners. Cosmo Credit Repair's office is located in Frisco.

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
4.6 / 5 (255)
Facebook
4.7 / 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
CreditAnswers logo
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CreditAnswers

6160 Warren Pkwy Ste 100, Frisco, TX 75034
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Business Description

CreditAnswers, a credit repair company in Plano, has been providing financial education and credit restoration services since 2006. The credit specialists create debt consolidation plans to offer efficient repayment options. Through debt consolidation and repayment programs, clients can resolve issues such as overdue collection, utility and medical bills, taxes, student loans, and payday loan balances. Its credit counselors offer financial advisory services, budgeting plans based on clients' income, monthly expenditures, and pending credit card balances. Debt relief programs involve credit counseling services, assistance with filing for bankruptcy, and debt settlement and consolidation.

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
Evolve Credit Repair logo
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Evolve Credit Repair

300 W Main Street, Arlington, TX 76010
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  • Credit Dispute
  • Credit Audit

Business Description

Evolve Credit Repair helps clients in Plano and across the United States improve their credit scores and qualify for loans. It is a full-service agency with over 25 years of combined experience in the credit repair, mortgage, and automotive lending industries. The team reviews customers' credits, creates personalized credit improvement plans, and disputes questionable items with the bureaus. It also guides people through navigating settlements and educates them about strategies for gaining 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.
5.0
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
First Stone Credit Counseling logo
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First Stone Credit Counseling

2701 W 15th St Ste 541, Plano, TX 75075
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Business Description

First Stone Credit Counseling is a nonprofit organization that's been offering financial advisory and credit repair services in Plano and surrounding areas since 1997. Its credit repair process involves the evaluation of credit reports and the development of customized restoration plans. The credit counselors create workable credit payment plans with creditor agents, collection attorneys, and agencies to assist with late payments, after-bankruptcy arrangements, judgments, and expert witness services. The firm offers credit attorney services and credit education to help individuals make sound financial decisions. First Stone Credit Counseling is approved by the United States Treasury.

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
Frost Financial Advising & Management, LLC logo
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Frost Financial Advising & Management, LLC

5151 Headquarters Drive Suite 120, Plano, TX 75024
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  • Credit Dispute

Business Description

Frost Financial Advising & Management, LLC, offers credit solutions in Plano. The woman-owned company helps individuals reach their credit profile goals by providing lessons on how credit works and how to manage their income. Its team reviews its clients' current financial situations to design personalized action plans. The business also provides financial coaching and mortgage DTI solutions. The owner of Frost Financial Advising & Management, Amanda Jackson, has been given the nickname "Student Loan and Credit Guru" because of her 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.
4.8
Google
5.0 / 5 (15)

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
Omega Credit Repair logo
Visit WebsiteWebsite

Omega Credit Repair

PO Box 261356, Plano, TX 75026
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Business Description

Located in Plano, Omega Credit Repair has been helping individuals restore their credit reports through its team of credit repair experts. Their team studies each of their clients' credit situation based on the credit reports provided by the three credit bureaus. They work with the clients in identifying all the problematic details in their report and present their available options. The company also helps their clients create new credit and give them advice on how they can manage it. Omega Credit repair was established in 2004.

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
4.5 / 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
Southern Credit Repair logo
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Southern Credit Repair

2305 S Custer Rd, McKinney, TX 75070
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  • Credit Dispute

Business Description

Southern Credit Repair is a financial services company that caters to clients in Plano. The company provides credit repair solutions. It obtains clients' credit reports from the three major credit reporting agencies and advises on improving credit scores. The company also disputes credit information to remove outdated information. It maintains an online page that contains links to credit monitoring websites and credit report resources. Southern Credit Repair is a family-owned enterprise. Its owner, Blayne Casey, has over 15 years of experience in credit repair.

Sperity logo
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Sperity

1509 Mercury Circle, Mckinney, TX 75071
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  • Credit Audit

Business Description

Sperity is a credit repair company providing its services in the Plano metro. The company starts its credit repair service by examining the errors, noting issues, and putting a detailed list of solutions. Its staff can restore credit status by working on late payments, tax liens, bankruptcies, foreclosures, and collections. The company can also help clients get loan approval for a house or a new car. Sperity's CEO, Angela Reston, has over 15 years of experience in the credit and finance industries.

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
Google
4.7 / 5 (39)
Facebook
5.0 / 5 (5)
Yelp
2.1 / 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
The Phenix Group logo
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The Phenix Group

1222 E Arapaho Rd Ste 301, Richardson, TX 75081
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Business Description

The Phenix Group is a credit counseling company that has served businesses and individuals in Plano and the surrounding areas since 2016. Its attorney-engaged credit solutions cover dispute code removal, judgments, foreclosures, bankruptcies, repossessions, and charge-offs. The company handles debt settlement plans, collections, late payments, and the reestablishment of credit. Its team challenges erroneous information reflected on credit reports by tracing the origin of the information and monitoring the publisher to ensure such mistakes don't recur. The Phenix Group also offers mortgage and auto refinancing services, credit coaching lessons, and business financing options.

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

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
Trinity Credit Services logo
Visit WebsiteWebsite

Trinity Credit Services

2545 Lone Star Rd, Celina, TX 75009
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  • Credit Audit

Business Description

Trinity Credit Services is a debt restoration company offering its services in the Plano metro. As a credit repair company, it assists clients by providing credit report evaluation, credit repair plans, and coordinating with credit reporting agencies. Its staff restores the client's credit status by working on tax liens, late payments, charge-offs, repossessions, and student loans. Trinity Credit Services is a member of the McKinney, TX Chamber of Commerce and is a Fair Credit Reporting Act certified.

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
Google
4.4 / 5 (89)
Facebook
4.6 / 5 (32)
Yelp
4.5 / 5 (13)

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
Wayne The Credit Guy logo
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Wayne The Credit Guy

6401 West Eldorado Parkway, McKinney, TX 75070
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Business Description

Wayne The Credit Guy provides credit repair services in Plano and the surrounding areas. Wayne Sanford, who has been in the credit industry for more than 16 years, specializes in educating individuals about the credit system and the credit score. He also provides consultation services in matters that involve credit reports and monitoring, credit tools, and debt consolidation. Past clients of Wayne The Credit Guy praise Wayne's credit repair recommendations, honesty, and straight-to-the-point answers to their concerns and inquiries.

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 (41)

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
White Jacobs & Associates logo
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White Jacobs & Associates

200 Chisholm Place, Plano, TX 75075
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Business Description

White Jacobs & Associates is a company that offers credit repair services through a customized plan to clients in Plano. The company deals with charge-offs, student loans, late payments, dispute code removal, repossessions, and foreclosures. It also offers credit coaching, credit re-establishment, and debt settlement. White Jacobs & Associates is equipped with an in-house attorney and an investigative research team. It pairs clients with personal credit analysts that will guide them through the entire process.

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
Google
4.8 / 5 (580)
Facebook
4.9 / 5 (159)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

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.

Is credit repair legal?

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.

How do you repair credit after identity theft?

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.

Read all FAQs