Expertise.com

2024

Last updated:

Best Credit Repair Companies in Sugar Land

Our Recommended Top 13

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 Sugar Land 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.

74Reviewed

49Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Sugar Land, TX

Expertise.com Rating

Review Sources

Google
4.8 (6813)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Repair
  • Credit Restoration
Lexington Law logo

Lexington LawExpertise.com

Sugar Land, TX
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)

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.

  • Credit Repair
  • Consumer Credit Services

14340 Memorial Dr, Houston, TX 77079

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
5.0 (3)

Why choose this provider?

America's Best Credit and Debt Consultant is a Houston-based company that caters to customers in Sugar Land and the surrounding communities. It offers credit repair services, helping clients get their financial life in order. Its work process involves sending disputes to the three major credit bureaus, contacting creditors and collection agencies when necessary, updating the clients' information, and explaining the results. Some of the negative items it removes are bankruptcies, late payments, and tax liens.

  • Debt Consolidation

12329 Fondren Rd., Houston, TX 77035

Expertise.com Rating

Review Sources

Yelp
3.9 (37)
Facebook
4.8 (28)
Google
5.0 (1)

Why choose this provider?

C&J Business Services accommodates individuals in need of credit repair solutions in Sugar Land and the neighboring communities. The company saves clients from the consequences of bad credit reports like high-interest rates that inflate the cost of living, overpay interests, and being barred from credit approval. It helps clients with the tough legal questions they have the right to ask, integrates several consumer protection statutes into their work cultures, and challenges credit problems like bankruptcies and tax liens.

  • Credit Monitoring
  • Credit Audit

10223 Broadway, Suite P731, Pearland, TX 77584

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Manifesting Credit Concepts LLC provides financial management services in Sugar Land and nearby areas. It works with credit bureaus to clean up negative report items from credit scores and track present concerns. It educates clients about maintenance to maximize the score. Manifesting Credit Concepts also assists with the initial setup of investments. It is headed by Michelle Bessard, who has over 12 years of experience with underwriting within the banking industry.

  • Debt Consolidation

Houston, TX 77001

Expertise.com Rating

Why choose this provider?

Bad to Good Credit LLC is a Houston-based company that caters to customers in the Sugar Land metro and the surrounding areas. It helps clients restore their credit scores, regain their life, and build their future by offering credit repair solutions. It analyzes their credit reports and challenges incorrect and unverifiable items, such as bankruptcies, late payments, medical collections, negative accounts, student loans, and tax liens. Judgments, foreclosures, hard inquiries, identity theft, and repossessions are also covered in its process.

  • Credit Monitoring
  • Credit Audit

24275 Katy Fwy,, Katy, TX 77494

Expertise.com Rating

Review Sources

Google
4.6 (29)

Why choose this provider?

123 Credit Resolution Consultants, LLC, serves individuals in Houston, Sugar Land and Texas area. It conducts credit analyses and works with credit bureaus and creditors to dispute negative reporting items affecting the clients' credit scores. The team assists, as well as identity theft protection. It educates clients about credit and how to maintain positive accounts. Clients can track their credit score progress 24/7 through email support and text message updates and alerts.

  • Credit Monitoring

6724 Fairmont Pkwy, Pasadena, TX 77505

Expertise.com Rating

Review Sources

Google
4.8 (1404)
Facebook
4.6 (264)

Why choose this provider?

ASAP Credit Repair is a family-owned and family-operated business that has been serving clients in the Sugar Land metro and the surrounding areas since 2013. It offers credit consultation, evaluation, repair, and restoration services. Its team helps challenge and remove unfair or inaccurate items in clients' credit reports. These include repossessions, late payments, charge-offs, foreclosures, bankruptcies, and judgments. ASAP Credit Repair also provides educational tools and techniques to build and maintain positive credit scores.

  • Credit Monitoring
  • Credit Audit

10101 Southwest Fwy 400 b, Houston, TX 77074

Expertise.com Rating

Review Sources

Facebook
4.8 (42)
Google
4.7 (12)

Why choose this provider?

Elescore Credit Consulting serves individuals in Sugar Land looking to improve their credit scores. It offers credit analysis and coaching and provides a personalized client portal to track the repair progress. The company helps dispute and delete negative items, including collections, late payments, charge-offs, repossessions, and foreclosures. It also assists with public records. Elescore Credit Consulting is compliant with the Credit Repair Organization Act. It educates clients on how to maintain a positive account while maximizing scores.

  • Credit Monitoring
  • Credit Dispute

Katy, TX 77493

Expertise.com Rating

Why choose this provider?

The Credit Doctors provides management solutions in Sugar Land and nearby areas. It serves business owners, families, and individuals who want to acquire investment properties and loan programs. The company offers credit repair services to improve debtors' scores and remove bad credit histories, which involve bankruptcies, late payments, repossessions, and charge-offs. It also conducts credit counseling to educate clients on how to maintain good credit records. Additionally, The Credit Doctors deals with commercial debt collection disputes.

  • Credit Audit
  • Credit Monitoring

Houston, TX 77001

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Finesse Your Finances is a full-service credit repair company that serves clients in Sugar Land and the surrounding areas. The firm offers a wide range of credit enhancement and counseling services to individuals looking to boost their credit scores. Its credit analysts perform an in-depth analysis of its client's credit history and challenge negative information by sending out dispute letters to credit bureaus. The company also offers general notary public, mobile notary, and signing agent services.

  • Credit Monitoring

15015 Westheimer Parkway, Houston, TX 77082

Expertise.com Rating

Review Sources

Google
4.9 (183)

Why choose this provider?

Money Management Int'l & Co. has been offering credit restoration services for clients residing in the Sugar Land metro and the surrounding locations since 2001. The company's credit repair specialists help remove erroneous and misleading information on the credit report. Its team also assists in debt adjustment to resolve delinquent debts, such as tax liens, negative accounting, student loans, credit card bills, and medical collections. In addition, Money Management Int'l & Co. also provides debt and credit counseling services.

  • Credit Monitoring

8323 Southwest Freeway, Suite 708, Houston, TX 77074

Expertise.com Rating

Review Sources

Yelp
4.4 (20)
Google
4.0 (10)
Facebook
4.3 (8)

Why choose this provider?

Credit Recovery Group assists people in and around Sugar Land. Its team offers credit repair services and assists clients in restoring and improving their credit reports following financial hardships such as family illness and death, divorce, unemployment, or overspending. It provides standard credit repair programs, such as unlimited disputes with the three major credit bureaus, debt validation, credit consulting, and budgeting tools. The company is a member of the National Association of Credit Services Organizations.

  • Credit Monitoring

FAQs

  • 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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...