Best Credit Repair Companies in Richardson

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Last updated: September 27, 2022

Credit Queen

2550 Pacific Ave, Unit 700, Dallas, TX 75226

Credit Monitoring

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.

Credit Wealth

Addison, TX 75001

Credit Dispute

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.

Legendary Credit Refresh

5301 Alpha Rd. #107, Dallas, TX 75240

Debt Consolidation
Credit Monitoring

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.

P&P Credit Services

550 North Central Expressway #2332, McKinney, TX 75070

Credit Monitoring
Credit Dispute

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.

Phoenix Group Credit Services

4230 Lyndon B. Johnson Fwy #219, Dallas, TX 75244

Debt Consolidation
Credit Dispute

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.

Rapid Credit Repair Services

Forney, TX

Credit Monitoring

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.

Revamp Credit Solutions

9304 Forest Lane, Dallas, TX 75243

Credit Monitoring
Credit Audit

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.

RoadTo750

Mesquite, TX 75126

Credit Monitoring
Credit Audit

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.

Shapiro Hurst & Associates, LLC

13612 Midway Road, Suite 505, Dallas, TX 75244

Consumer Credit Services

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.

Texas Best Credit Repair

6060 North Central Expressway 6060, Dallas, TX 75206

Debt Consolidation

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.

The Credit Cure

14850 Montfort Dr., Dallas, TX 75254

Credit Monitoring

The Credit Cure helps individuals in Richardson achieve their goals by improving their creditworthiness. It removes negative items from reports, including incorrect account information, collections, charge-offs, bankruptcies, late and missed payments, and fraud alerts. Clients also receive counseling on ways to preserve a good credit score and financial status. The Credit Cure's founders leverage their experience in the business and personal accounting, debt settlement, and mortgage industry to repair the credit of those who are planning to purchase homes and cars or refinance their mortgages.

US Best Credit Solutions Inc.

1024 S. Greenville Ave., Suite 130, Allen, TX 75002

Credit Monitoring

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.

White Jacobs & Associates

200 Chisholm Ste. 250, Plano, TX 75075

Credit Dispute

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.

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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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