Best Credit Repair Companies in Temple

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Last updated: October 1, 2022

Ak Credit Solutions

Killeen, TX

Credit Monitoring

Ak Credit Solutions is a locally owned and operated company that serves the residents of Temple and the surrounding areas. Its team of professionals works with credit bureaus, debt collectors, and creditors in order to challenge possibly inaccurate credit report items such as collections, charge-offs, medical bills, tax liens, judgments, and late payments. It also provides its clients with resources for credit building. Ak Credit Solutions has been in operation for more than three years.

ASAP Credit Repair

1100 S Industrial Blvd, Round Rock, TX 78681

Credit Monitoring
Credit Audit

ASAP Credit Repair helps businesses and individuals in Temple and surrounding areas. The firm assists clients in improving their credit scores by removing unfair or inaccurate items, such as foreclosures, collections, late payments, and charge-offs. Its professionals review credit reports, create repair and restoration strategies, implement action plans, and educate clients on building positive credit habits. ASAP Credit Repair is a family-owned and family-operated enterprise that has been serving the public since 2013.

Austin Credit Repair Specialists

P.O. Box 45, Hutto, TX 78634

Credit Monitoring

Austin Credit Repair Specialists serves clients in Temple and the surrounding areas. It is a company located in Hutto that helps customers achieve a good credit rating through a full range of credit repair and monitoring services. Its credit repair process includes checking and challenging inaccurate and negative items on credit reports, helping clients build a healthy credit score through a certain credit building system, and ensuring that credit is up to date through regular monitoring.

Credit Advisors Council - Credit Repair Houston

6420 Richmond Avenue #333, Temple, TX 77057

Debt Consolidation

Credit Advisors Council - Credit Repair Houston helps residents of the Temple metro and the surrounding areas with their credit-related challenges. Its credit advisors have the knowledge and experience to fix clients' credit ratings and raise FICO scores. It offers assistance on various types of credit and financial issues, such as credit repair and building, counseling, debt settlement, and identity theft. It also guides individuals who need student loan consolidation, as well as providing education on financial literacy.

Credit TuneUp

838 Stockdale Rd., Copperas Cove, TX 76522

Credit Monitoring

Credit TuneUp addresses the needs of clients in Temple. The company works with individuals looking to improve their credit scores. It consults clients to analyze their credit reports and determine the factors bringing down their scores. The company works with the client's creditors and credit bureaus to eliminate negative items on the report. These items include late payments, collection accounts, tax liens, foreclosures, bankruptcies, and charge-offs. It offers ongoing monitoring to educate clients on how to maintain healthy credit.

Kirk Financials

2112 SW H.K Dodgen LP Suite 183, Temple, TX 76504

Credit Audit

Kirk Financials is a credit repair company that serves Temple. The business helps consumers resolve their credit problems and increase their scores. It evaluates credit reports to identify negative items and disputes inaccuracies with bureaus, collection agencies, and creditors to have them deleted. It corrects personal information such as name spelling, birthdate, employment history, and social security number and advises clients on ways to re-establish positive credit. The company also offers financial coaching and seminars on credit education.

Sprout Credit Repair

5818 Ambrose Circle, Temple, TX 76502

Credit Dispute

Sprout Credit Repair is a Temple-based firm that assists clients in financially getting back on track and achieving their goals through restructuring and rebuilding their lost credit due to late payments, medical bills, tax liens, and bankruptcies. The credit repair process includes analyzing clients' credit reports, compiling their inaccurate information, creating personalized strategies, and following up with the bureaus. In addition, its credit repair professionals provide credit education, debt settlement, and debt collector negotiation services.

Stevens Wealth Solutions

Killeen, TX 76542

Credit Monitoring
Credit Audit

Stevens Wealth Solutions supports clients in and around Temple. It assists individuals who are having problems with their credit ratings. It offers services such as credit repair, consulting, analysis, monitoring, and advice. It advises clients on how to improve their credit scores and create good credit. Its professionals erase unfair and inaccurate negative information such as foreclosures, bankruptcies, late payments, judgments, and collections from reports. In addition, the team offers credit education services. The process at the company normally takes six to nine months.

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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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