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2024

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Best Credit Repair Companies in The Woodlands, TX

Our Recommended Top 14

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 The Woodlands 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.

85Reviewed

56Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

The Woodlands, TX

Expertise.com Rating

Review Sources

Google
5.0 (20)
Yelp
5.0 (1)

Why choose this provider?

Credit Repair Finest is a minority-owned company serving The Woodlands. It provides credit repair solutions to help families and individuals resolve bad records due to student loans, tax liens, charge-offs, bankruptcies, and judgments. The agency improves credit scores by reporting clients' rental, cellular, and utility payments to LexisNexis, TransUnion, Experian, and Equifax. Its credit counseling services aim to help people stay on track with their finances. Credit Repair Finest has been in the industry for over five years.

  • Credit Repair
  • Tax Services
  • Credit Counseling

The Woodlands, TX

Expertise.com Rating

Review Sources

Google
4.8 (6797)

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 Audit
  • Credit Repair
  • Credit building
  • Credit Restoration
Lexington Law logo

Lexington LawExpertise.com

The Woodlands, TX
Free Credit Report Consultation

Expertise.com Rating

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.

  • Consumer Credit Services
  • Credit Repair

2001 Timberloch Place, Ste 500, The Woodlands, TX 77380

Expertise.com Rating

Review Sources

Facebook
5.0 (49)

Why choose this provider?

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.

  • Credit Monitoring

11211 Katy Fwy #570, Houston, TX 77079

Expertise.com Rating

Review Sources

Google
4.8 (2548)
Yelp
3.0 (32)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit

40 Cypress Creek Pkwy #383, Houston, TX 77090

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

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.

  • Credit Dispute

2001 Timberloch Place Ste 500, The Woodlands, TX 77380

Expertise.com Rating

Review Sources

Google
5.0 (34)

Why choose this provider?

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.

  • Debt Consolidation

15333 John F Kennedy Blvd Ste 850, Houston, TX 77032

Expertise.com Rating

Review Sources

Facebook
5.0 (33)
Google
3.5 (30)

Why choose this provider?

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.

  • Credit Monitoring

3000 Joe Dimaggio Suite 77, The Woodlands, TX 78665

Expertise.com Rating

Review Sources

Facebook
5.0 (19)

Why choose this provider?

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.

  • Debt Consolidation

4201 Cypress Creek Parkway Suite 170, Houston, TX 77068

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Dispute

817 Southmore Ave suite 300-d, Pasadena, TX 77502

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (2)

Why choose this provider?

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.

  • Credit Dispute

715 E. Main St. Ste 500, Tomball, TX 77375

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (5)

Why choose this provider?

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.

  • Credit Monitoring

8323 Southwest Freeway, Suite 708, Houston, TX 77074

Expertise.com Rating

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit

6401 Cypresswood Dr, Spring, TX 77379

Why choose this provider?

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.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Repair Finest
Free Consultation
Credit Saint
Free Credit Evaluation
Lexington Law
Free Credit Report Consultation
Credit Repair 365
2001 Timberloch Place, Ste 500, The Woodlands, TX 77380
The Credit Agents
11211 Katy Fwy #570, Houston, TX 77079
Assert Credit Repair
40 Cypress Creek Pkwy #383, Houston, TX 77090
Credible Concepts
2001 Timberloch Place Ste 500, The Woodlands, TX 77380
Rose Credit Repair
15333 John F Kennedy Blvd Ste 850, Houston, TX 77032
Rock Credit Repair, LLC
3000 Joe Dimaggio Suite 77, The Woodlands, TX 78665
Lifeline Financial Group
4201 Cypress Creek Parkway Suite 170, Houston, TX 77068
Atomic Credit Repair
817 Southmore Ave suite 300-d, Pasadena, TX 77502
Quick Fix Credit Solutions
715 E. Main St. Ste 500, Tomball, TX 77375
Credit Recovery Group
8323 Southwest Freeway, Suite 708, Houston, TX 77074
Simply Credit by Gina
6401 Cypresswood Dr, Spring, TX 77379

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.

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