Expertise.com

Best Credit Repair Companies in Richardson

2024

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Richardson, TX

Why choose this provider?

Need help contacting a Credit Repair Company in Richardson? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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 booking service | Call 848.Book.Pro!

Website
13612 Midway Road, Suite 505, Dallas, TX 75244
  • Consumer Credit Services

Why choose this provider?

Shapiro Hurst & Associates, LLC, is a Dallas-based company that caters to customers in the Richardson metro and the surrounding communities. It helps clients restore and rebuild their credit by offering repair solutions. Its process involves examining credit reports and discussing short and long-term goals, developing personalized plans suited to the clients' necessities and timeframe, and removing negative items on the reports. Jacklyn Shapiro, the managing partner, brings more than 25 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.
4.7
Facebook
4.8 / 5 (47)
Google
4.6 / 5 (19)

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
5301 Alpha Rd. #107, Dallas, TX 75240
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

Legit Credit Refresh caters to clients in Richardson and the surrounding communities. The company offers professional credit repair solutions that can help consumers achieve better credit scores and financial freedom. Its credit repair specialists conduct a thorough review of its client's credit history and dispute any negative or inaccurate information that is negatively affecting a credit score. The team challenges major credit bureaus, creditors, and collectors. The company also published an e-book on personal credit repair.

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
4.8 / 5 (32)
Google
3.9 / 5 (13)

Website
9304 Forest Lane, Dallas, TX 75243
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Revamp Credit Solutions has been serving clients in the Richardson area for over a decade. The firm offers a wide variety of services, including credit repair, debt elimination, and mortgage preparation. Its experts consult clients to evaluate their situation and provide customized solutions to rebuild their credit scores. They conduct a line-by-line analysis, submit disputes to credit bureaus, and provide a summary of deleted items on clients' reports. The company also advises customers on measures and financial behaviors to maintain a healthy profile.

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 (16)
Google
5.0 / 5 (9)

Website
550 North Central Expressway #2332, McKinney, TX 75070
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

P&P Credit Services provides financial advice to individuals in Richardson. It deals with matters concerning repossession, foreclosures, collections, student loans, and charge-offs. With a belief that a positive credit means a good name, the company educates individuals about how they could improve their rating and avoid denials. Its senior analyst, James Browne, has been in the credit restoration business for over a decade. He assists clients who need to meet the requirements for home loans.

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

Website
Forney, TX
  • Credit Monitoring

Why choose this provider?

Rapid Credit Repair Services provides solutions to individuals in Richardson who need assistance in improving their repayment and spending report cards. It offers consultations, performs private assessments, and communicates with clients' creditors. It also takes care of sending legal documents to credit bureaus and collection companies. The business leverages its knowledge of laws and practices on credit repair by drafting dispute letters that target to eliminate negative report information. Its CEO, Christi Rose, is a board-certified credit consultant.

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 (11)
Google
5.0 / 5 (6)

Website
Addison, TX 75001
  • Credit Dispute

Why choose this provider?

Credit Wealth is an Addison-based firm that caters to clients within Richardson. Its team works alongside creditors and related bureaus in reviewing negative item reports. It covers the preparation of necessary documents and other requirements to be presented to agencies. In addition, the firm educates consumers on credit guidelines in order to help them assert their legal rights in contesting inaccuracies. The firm is also open to mortgage brokers, tax professionals, and real estate representatives who wish to improve their clients' 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 (14)
Facebook
5.0 / 5 (11)

Website
2550 Pacific Ave, Unit 700, Dallas, TX 75226
  • Credit Monitoring

Why choose this provider?

With more than seven years of industry experience, Credit Queen is a credit counseling service that serves the residents of Richardson and the surrounding areas. It helps clients improve their financial health and creditworthiness through credit repair services. It also provides credit coaching services for business owners, including those with multiple streams of income. Credit Queen has been featured on Voyage Dallas, Univision 23, and La Grande 107.5 FM. The company can serve clients in English and Spanish.

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

Website
200 Chisholm Ste. 250, Plano, TX 75075
  • Credit Dispute

Why choose this provider?

White Jacobs & Associates has been serving clients in Richardson and nearby areas since 2013. It offers a wide range of services, from debt negotiation, student loan consolidation, and mortgage referrals to credit report analysis and credit coaching. It customizes a strategy specifically for the client's credit situation. It has an investigative research team, an in-house law firm, and credit analysts who work together in communicating with credit bureaus like TransUnion, remaining creditors, or collection agencies.

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 (702)
Yelp
3.7 / 5 (17)

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
1024 S. Greenville Ave., Suite 130, Allen, TX 75002
  • Credit Monitoring

Why choose this provider?

US Best Credit Solutions Inc. has over 25 years of industry experience serving people in Richardson and the surrounding areas. To resolve credit and mortgage issues, the company employs a team of credit specialists, on-staff attorneys, processors, and researchers. It helps its clients with credit repair by utilizing federal laws such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The company also offers special privileges to military veterans and their beneficiaries.

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.
4.1
Google
4.1 / 5 (44)
Facebook
4.2 / 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
6060 North Central Expressway 6060, Dallas, TX 75206
  • Debt Consolidation

Why choose this provider?

Texas Best Credit Repair caters to families and individuals in Richardson and nearby locations. It serves clients who want to purchase real estate properties, helping them improve their credit scores through its repair solutions. The enterprise deals with different types of credit disputes, which involve the removal of wrong information. It also conducts credit report error identification and FICO® 8 score model computation. The company's team brings more than 30 years of combined 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
Facebook
4.8 / 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

Website
Mesquite, TX 75126
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

RoadTo750 provides credit repair solutions to Richardson residents and the communities surrounding it. It offers monthly individual and couple packages that assist with improving credit scores by removing erroneous negative items from credit reports, such as collection accounts, student loans, hard inquiries, repossessions, charge-offs, and late payments. The company also offers unlimited disputes and deletions, monthly credit analysis, and 24-hour client portal access. It strives to keep clients informed to help them achieve and maintain a favorable credit profile.

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 (71)

Website
4230 Lyndon B. Johnson Fwy #219, Dallas, TX 75244
  • Credit Dispute
  • Debt Consolidation

Why choose this provider?

Phoenix Group Credit Services caters to individuals in Richardson and the neighboring areas. The business assists clients who have been denied loans in improving their credit scores. It reviews credit reports and challenges or negotiates inaccurate, unverified, and outdated information. These items include judgments, bankruptcies, delinquencies, closed accounts, and charged-off accounts. The company also offers credit counseling and consulting services. A client of Phoenix Group Credit Services bought their first home after qualifying for a loan within six months of working with the firm.

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

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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