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2024

Last updated:

Best Credit Repair Companies in Plano

Our Recommended Top 18

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 Plano 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.

205

Reviewed

130

Curated

18

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
7309 Campbell Road, Dallas, TX 75248
  • Credit Management
  • Debt Management
  • Credit Restoration

Why choose this provider?

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.
5.0
Google
5.0 / 5 (64)
Facebook
5.0 / 5 (7)
Yelp
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

Price: Free Analysis

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

Why choose this provider?

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
Helpfulness
Detail

Price: Free Credit Evaluation

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

Why choose this provider?

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

Price: Call for pricing

Lexington Law logo
FEATUREDExpertise.com

Lexington Law

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

Why choose this provider?

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.
4.9
Google
5.0 / 5 (29)
Facebook
5.0 / 5 (7)
Yelp
1.0 / 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

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

Why choose this provider?

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.

Website
1509 Mercury Circle, Mckinney, TX 75071
  • Credit Audit

Why choose this provider?

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.
4.6
Google
4.6 / 5 (42)

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
555 Republic Dr, Plano, TX 75074

Why choose this provider?

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)

Website
2701 W 15th St Ste 541, Plano, TX 75075

Why choose this provider?

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.
5.0
Yelp
5.0 / 5 (22)

Website
PO Box 261356, Plano, TX 75026

Why choose this provider?

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.
4.3
Google
4.5 / 5 (29)
Yelp
3.0 / 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
5151 Headquarters Drive Suite 120, Plano, TX 75024
  • Credit Dispute

Why choose this provider?

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.
4.5
Yelp
4.5 / 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

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

Why choose this provider?

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.
4.7
Facebook
4.7 / 5 (60)
Yelp
4.7 / 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

Website
6401 West Eldorado Parkway, McKinney, TX 75070

Why choose this provider?

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.
4.2
Yelp
3.5 / 5 (45)
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

Website
1222 E Arapaho Rd Ste 301, Richardson, TX 75081

Why choose this provider?

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
Yelp
1.0 / 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

Website
2591 Dallas Parkway, Frisco, TX 75034

Why choose this provider?

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.
4.5
Google
4.6 / 5 (255)
Yelp
3.0 / 5 (13)
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

Website
903 18th St Ste 102, Plano, TX 75074

Why choose this provider?

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)
Yelp
4.5 / 5 (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

Website
6160 Warren Pkwy Ste 100, Frisco, TX 75034

Why choose this provider?

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
Google
5.0 / 5 (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

Website
200 Chisholm Place, Plano, TX 75075

Why choose this provider?

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)
Yelp
3.5 / 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.
3.8
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.

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