Best Credit Repair Companies in Round Rock

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Credit Repair Companies FAQs

Last updated: October 1, 2022

ASAP Credit Repair

1401 Lavaca Street, Austin, TX 78701

Credit Dispute

Serving the Round Rock area, ASAP Credit Repair is committed to establishing and maintaining its customers' good credit ratings. It monitors credits, connects its clients with the right mortgage lenders, and assists in personal loans and business credit. It also helps those with financial needs by taking care of bankruptcies and foreclosures, public records, judgments, credit fraud, late payments and collections, and charge-offs. In addition, ASAP Credit Repair reviews reports, disputes negative accounts, and educates its customers on how to improve their credit reports.

ASAP Credit Repair

1000 Heritage Center Circle, Round Rock, TX 78664

Debt Consolidation

ASAP Credit Repair is a team of credit score specialists that serves the Round Rock area. They handle the entire process, which includes analyzing clients' credit reports in order to identify negative items, such as late payments, inquiries, public records, bankruptcies, and collections. Furthermore, the professionals work with credit bureaus to address report inaccuracies. In addition to repairing credit, they educate clients on credit scores and the ways to keep getting points to increase them.

Austin Credit Repair Specialists

P.O. Box 45, Hutto, TX 78634

Credit Monitoring

Austin Credit Repair Specialists offers its services in Round Rock and the nearby areas. It reviews its client's credit report and works with credit bureaus to ensure that any information included in it is up to date. If any accounts are found to be incorrect, the company disputes them updating or removing them from the record. Once the client's credit score is improved, Austin Credit Repair Specialists continues to monitor it, updating clients through reports and alerts, helping them maintain a healthy credit score.

Credit Roadrunner

1840 Burton Drive, Austin, TX 78741

Credit Dispute

Credit Roadrunner is a credit repair company that serves Round Rock and the neighboring cities. Its professionals help clients repair their credit scores that have been damaged by various situations, including identity theft, late payments, defaults, and foreclosures. The company offers credit counseling, as well as disputing incorrect information and unapproved credit inquiries. Credit Roadrunner has over 40 years of experience in the industry. It helps clients improve their credit ratings, enabling them to receive good rates for auto loans and save on insurance premiums.

Elevatemyscores.com

501 Congress Avenue, Austin, TX 78701

Credit Dispute

Elevatemyscores.com is an Austin-based credit repair company that serves the Round Rock area. Its team helps clients improve their credit scores through coaching and consultations, which involve getting in touch with one of its FICO-certified credit specialists who will analyze clients' credit reports, address negative items, and design credit coaching plans accordingly. Clients are informed of the entire process before the credit restoration program begins, and the duration lasts between four to six months.

Good Credit For Life

901 South MoPac Expressway, Austin, TX 78746

Debt Consolidation
Credit Monitoring
Credit Dispute

Austin-based Good Credit For Life provides resolutions to improve clients' credit scores. Its specialists aim to eliminate negative items from credit reports while providing personalized credit counseling to help achieve the maximum score required in getting loan approval. GC4L assists clients become qualified buyers, especially for home and car purchases. The team at GC4L deals with various negative items on the consumer credit report, including credit inquiries, charge-offs, and judgments. Additionally, it offers identity theft services.

Rock Credit Repair, LLC

3000 Joe Dimaggio Boulevard, Round Rock, TX 78665

Credit Monitoring

Rock Credit Repair is a local credit repair and restoration firm that serves individuals in Round Rock and the surrounding areas. It aims to assist clients in restoring their credit ratings through thorough analysis and personalized consultation. Unverifiable or inaccurate items such as repossessions, late payments, collections, bankruptcies, and credit card debts are reported and disputed with Experian, TransUnion, Equifax, and Innovis in order to help improve consumers' credit ratings. The firm also offers debt negotiation, credit consulting, and mortgage assistance.

Smart Choice Credit

1 Chisholm Trail Road, Round Rock, TX 78681

Credit Audit
Credit Dispute

SmartChoice Credit is a full-service credit repair and restoration firm that serves individuals in Round Rock as well as its neighboring areas. Its team assists clients in restoring their credit rating through personalized disputes of unverifiable credit items. It aims to remove errors including late payments, bankruptcies, and foreclosures. The company features an online portal wherein clients get round-the-clock support through their own personal portals. Additionally, SmartChoice Credit offers live customer support as well as credit building guidance to help clients maintain credit ratings.

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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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