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Best Credit Repair Companies in The Woodlands

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2023
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Credit Saint logo
FEATURED
Free Credit Evaluation

Credit Saint

The Woodlands, TX
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

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.

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
Google
4.8 / 5 (6797)

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

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

The Woodlands, TX
  • Consumer Credit Services
  • Credit Repair

Business Description

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.

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.
4.3

Price: Free Credit Report Consultation

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Assert Credit Repair logo
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Assert Credit Repair

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40 Cypress Creek Pkwy #383, Houston, TX 77090
  • Credit Dispute

Business Description

Assert Credit Repair has been serving The Woodlands area since 2000. The firm offers comprehensive education on credit matters and consolidates debts, determines negative items and points of concern, and helps improve credit scores. Its approach involves in-depth analyses of reports and possible discrepancies, which are addressed through customized plans that align with a client's financial situation and long-term goals. In addition, the firm's staff disputes identified inaccuracies and erroneous charges on clients' behalf.

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 (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
Atomic Credit Repair logo

Atomic Credit Repair

817 Southmore Ave suite 300-d, Pasadena, TX 77502
  • Credit Dispute

Business Description

Atomic Credit Repair helps The Woodlands residents become financially stable. The company assists clients in improving their credit profiles by disputing unverifiable and erroneous information on their reports. It removes negative items, such as medical bills, student loans, and child support payments, through a custom plan that aims to rebuild their clients’ scores. There are also counseling services available. Atomic Credit Repair provides clients with 24/7 access to its online portal so they can keep track of their progress.

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 (3)
Google
5.0 / 5 (2)
Credible Concepts logo
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Credible Concepts

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2001 Timberloch Place Ste 500, The Woodlands, TX 77380
  • Debt Consolidation

Business Description

Credible Concepts is a credit repair company serving clients in The Woodlands and the surrounding areas. The firm enhances and rebuilds the credit scores of its clients by challenging negative accounts that cannot be proven by law in their credit reports. Its credit repair specialists conduct a thorough analysis of their client's credit history and remove unwarranted information such as hard inquiries, errors, old debts, inaccurate accounts, and unverified collections. The team utilizes industry-standard tools for its credit repair services.

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 (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
Credit Recovery Group logo
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Credit Recovery Group

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8323 Southwest Freeway, Suite 708, Houston, TX 77074
  • Credit Monitoring
  • Credit Audit

Business Description

Its team submits verification and re-investigation requests to the three credit bureaus for inaccurate, incomplete, outdated, and unverifiable information. In addition, the company validates its clients' debts with creditors and collection agencies. Its counselors also provide advice on credit repair and debt management. In addition, the company provides identity theft recovery services. Nubla Casler and her husband established Credit Recovery Group in 2006. It is a member of the National Association of Credit Services Organizations.

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.
3.9
Yelp
4.4 / 5 (20)
Google
4.0 / 5 (10)
Facebook
4.3 / 5 (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
Credit Repair 365 logo
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Credit Repair 365

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2001 Timberloch Place, Ste 500, The Woodlands, TX 77380
  • Credit Monitoring

Business Description

Credit Repair 365 helps individuals in The Woodlands metro resolve their credit score issues. Its team assist clients in improving their credit scores by clearing disputed credit report entries, such as charge-offs, late payment fees, and loans. The company also uses its experience working with creditors and credit bureaus when providing credit education to clients. With more than 25 years of experience, Credit Repair 365 has obtained more than 50,000 points on behalf of its clients.

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 (49)
Lifeline Financial Group logo

Lifeline Financial Group

4201 Cypress Creek Parkway Suite 170, Houston, TX 77068
  • Credit Monitoring
  • Credit Dispute

Business Description

Lifeline Financial Group is a Houston-based company that caters to customers in The Woodlands and the surrounding communities. It helps clients rebuild their credit scores through credit repair and restoration services. These allow clients to get better interest rates on their credit cards and auto and home loans. The firm's process involves reviewing the consumers' credit health, providing consultations, and developing customized plans suited to their situation. Lifeline Financial Group brings more than 10 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.
5.0
Google
5.0 / 5 (5)

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
Quick Fix Credit Solutions logo
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Quick Fix Credit Solutions

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715 E. Main St. Ste 500, Tomball, TX 77375
  • Credit Monitoring

Business Description

Quick Fix Credit Solutions counsels residents of The Woodlands who have issues securing debts. The company offers initial consultation and coaching sessions. The company educates clients on the proper measures to raise their ratings and manage obligations. It also clears any negative marks from people's records. Quick Fix's customer base extends to business entities and individuals supporting their own families. In one case, it was able to raise a person’s score from 600 to 700.

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 (22)
Facebook
5.0 / 5 (5)

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
Rock Credit Repair, LLC logo
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Rock Credit Repair, LLC

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3000 Joe Dimaggio Suite 77, The Woodlands, TX 78665
  • Debt Consolidation

Business Description

Rock Credit Repair, LLC, serves clients throughout The Woodlands and the neighboring areas. It offers credit repair services, assisting clients in rebuilding their credit and increasing their credit scores by removing inaccuracies and serious errors. Its associate attorneys are also prepared to file lawsuits on behalf of clients to demand the removal of outdated and inaccurate items on their reports. The company is backed by more than two decades of experience in the credit repair 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
Google
4.9 / 5 (36)
Facebook
5.0 / 5 (13)

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
Rose Credit Repair logo
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Rose Credit Repair

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15333 John F Kennedy Blvd Ste 850, Houston, TX 77032
  • Credit Monitoring

Business Description

Rose Credit Repair offers solutions to people with bad financial records in The Woodlands and nearby communities. It removes records that lower the credit scores of clients, such as inquiries, loans, and collections. It settles any record discrepancies with three credit bureaus. The company renders services for personal and business taxes. Rose Credit Repair also has a six-figure financial literacy program where individuals and businesses gain insights and strategies on how they can increase their monetary assets.

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.
4.2
Google
3.5 / 5 (30)
Facebook
5.0 / 5 (23)

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
Simply Credit by Gina logo
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Simply Credit by Gina

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6401 Cypresswood Dr, Spring, TX 77379
  • Credit Audit

Business Description

Simply Credit by Gina provides its services to individuals in The Woodlands area. It offers credit analysis and credit coaching calls to help clients understand and improve their scores. The company disputes unvalidated and inaccurate information on the client's credit file, including medical bills, student loans, short sales, late payments, bankruptcy, and collections. It also challenges negative items such as judgments, foreclosures, and charge-offs. The company provides customers with 24/7 access to their client portal, helping them check for messages and updates regarding their disputes.

The Credit Agents logo
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The Credit Agents

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11211 Katy Fwy #570, Houston, TX 77079
  • Credit Monitoring
  • Credit Audit

Business Description

The Credit Agents has been serving individuals and families in The Woodlands since 2012. Its mission is to help clients achieve their credit restoration goals and become homeowners by providing customized credit repair solutions. The process includes credit review, personalized action planning, ongoing credit mentoring, and home loan application assistance. Its credit consultants are well-versed in addressing various debts, such as tax liens, bankruptcies, foreclosures, repossessions, and broken leases. They fight the credit bureaus and debt collectors on behalf of the clients.

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
Google
4.8 / 5 (2548)
Yelp
3.0 / 5 (32)

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

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.