2021

Top Credit Repair Services in Houston - 2021

LAST UPDATED 26 Oct, 2021
21 Firms
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List of the Top Credit Repair Services in Houston

Credit Glory is a company that offers credit repair services. Under strict compliance with the Credit Repair Organizations Act, Credit Glory ensures that clients are well assisted with their credit concerns, rePresents the client, handles all legal paperwork and document Processing or else it refunds clients’ payment since it offers a money-back guarantee.

Service Focus
38%
7%
16%
39%

700 Plus Credit is a credit repair company that is dedicated to assisting clients in imProving their credit score. This firm is aiming not only to help the client get a better credit score but to assist them for them to reach ultimately financial freedom. It does every effort under the law to repair and restore clients’ credit.

Service Focus
21%
20%
31%
27%

Zorro Credit is a credit repair firm that was founded in 2004. The firm has helped more than 14,000 people with their credit scores. It has removed people from collections list, late payments, bankruptcies and up to removing charge offs and foreclosures. With the results this company has accomplished, it certainly draws more clients.

Service Focus
37%
16%
17%
30%

The Credit Agents, a credit repair company, has been in the business for over five years and has been a very strong company in the industry as it helps either business entities or individuals imProve their credit ratings. As an expert on various credit laws such as the Fair Credit Reporting Act, it has established a good reputation.

Service Focus
25%
15%
31%
29%

ANG Credit Solutions is a credit repair company with the most affordable and competitive service in the industry. The firm discusses the goals and objectives with the client and it recognizes negative items that make credit scores go down. It then repairs the damages until the clients have a good credit standing.

Service Focus
3%
50%
2%
44%

Raise UP Credit Repair is a credit repair company in Houston, Texas and in other cities throughout the United States. It has a simple concept which is to fix credit scores as fast as possible. It has helped more than 11,000 people with their credit scores. Clients expect to have their credit scores raise up in the first sixty days.

Service Focus
8%
34%
51%
7%

White, Jacobs and Associates is a credit repair firm which stands in their philosophy to understand life situations and financial standing causes the rise and fall of credit scores. It then uses this philosophy to repair derogatory items and boost up the clients’ credit scores. It has Provided assistance to over 10,000 clients over the years of service.

Service Focus
30%
26%
15%
29%

Texas Best Credit Repair, is a licensed and bonded credit services company dedicated to credit repairs. It has a very competitive rate yet Provides fast service in repairing damaged credit scores. It stands by its Principle of helping the person and not the Problem which is what makes this firm stand from others.

Service Focus
7%
29%
3%
61%

CRE Credit Services is a credit repair company whose mission is to educate clients in understanding credits and take advantage of it instead of being held back by it. CRE Credit Services has a team of credit and financial experts who aim to help clients repair credit scores and imProve their financial standing.

Service Focus
8%
50%
20%
22%

Impeccable Credit Services specializes in the restoration of clients’ credit reputation. It has a system that focuses first on disputing the negative, inaccurate accounts and then establish the positive trade lines to build positive credit ratings. It offers a money-back guarantee which denotes confidence that the firm is capable of Providing positive results.

Service Focus
25%
26%
26%
23%

Go Clean Credit is a passionate credit repair company that is committed to helping people achieve their goals thought financial freedom out of damaged credit scores. It has a team of consumer advocates who aims to assess the situation of each client and Provide a step by step Process and imProve and restore credit reputation.

Service Focus
35%
20%
36%
9%

755creditscore is a credit repair and education company in the State of Texas. Its Professional team of experts does the evaluation and assessment of the clients’ standing and Provides guidance and information for them torease their credit scores. It has helped clients through the years who are now very grateful that they have gotten their services from 755creditscore.

Service Focus
5%
22%
17%
56%

The Credit Monkey is a credit repair firm that guarantees torease clients’ credit score to 700 or above. As an expert in the industry, it has helped clients become equally economically significant and valuable. It Provides thorough service and imProves clients’ financial standing and live the life they deserve.

Service Focus
4%
46%
20%
30%

Founded in March of 2009, National Credit Organization has been one of the leading companies in the credit repair industry Providing services in Houston, Texas and the areas roundabout. It has been a Provider of credit assessment and evaluation and is committed to assist its clients to imProve their credit scores and eventually imProve the lives of their clients.

Service Focus
37%
21%
26%
16%

Manta Essential Listings is an online listing and marketing firm that puts businesses into its website for easy access and search for potential clients. Its serviceslude Business listing with 60+ directories, Featured business listing on Manta.com, Online visibility, Google My Business set up coaching, and other related services. It gained a reputation as millions of people visit its website.

Service Focus
20%
12%
35%
6%
13%
14%

Founded by Ricardo Mendiola in December 2006, MSI Credit Solutions is a Privately held credit restoration company. It operates in compliance with Federal and State Laws. In its expertise, it has helped clients remove questionable negative items from credit reports which results in anrease in credit scores and eventually imProved lifestyle.

Service Focus
22%
24%
35%
19%

Elevate My Scores is an expert in credit repair. It helps clients elevate scores by evaluating their circumstances and current standing and find the negatives that pull down their rating. It then boosts clients’ positives which will result in raising up the score of each client. This firm believes in elevating dreams but it starts with a good credit rating.

Service Focus
55%
7%
17%
20%

Alex Miller is a credit repair expert on debt validation. Alex Miller Credit Repair has gained a Proper reputation in the industry as it has analyzed thoUSAnds of credit reports. The company is specializing in restructuring and rebuilding clients’ credit and it does it with a guaranteed result in only 40 days.

Service Focus
8%
9%
42%
42%

Best Texas Credit Pros is a credit repair firm Licensed and Bonded to Provide services to all of Texas. It does evaluation and analysis on late payments, tax liens, charge offs, bankruptcies, repossessions, judgments, and foreclosures. It customizes Professional service in taking action to imProve clients’ credit scores. It guarantees a 45-day result.

Service Focus
29%
38%
15%
18%

Ovation Credit Repair Services is a credit repair firm Providing financial and credit education services. It does specialize in credit repair Processes, credit expertise, and customer service. They value the financial stability of the clients and assist them until they have reached their desired credit score and eventually imProve their lives.

Service Focus
24%
15%
14%
47%

Fix Credit 911 is a credit repair company aiming to Provide clients with a good credit score of 680 plus. It has been successful in removing, inquires, student loans, bankruptcy, and others. It follows the standards of the Fair Credit Reporting Act. Its goal is to boost credit scores by removing items that make the credit score low.

Service Focus
28%
20%
35%
17%

Expert Answers To Common Questions:

  1. Can a credit repair service lower my mortgage payments?
  2. Should I use a credit repair service?
  3. How do credit repair services work?
  4. Are credit repair services legal?
  5. Do credit repair services work?
  6. How can I repair my credit myself?
  7. What is the best credit repair service?
  8. Is it worth paying someone to fix your credit?
  9. How much does it cost to repair my credit?
Can a credit repair service lower my mortgage payments?

Settling whatever challenges or inaccurate information you have in your credit report can help you get a good credit score which is enough to also have low mortgage rates. Credit repair services can help with challenging this inaccurate information and ensure that it has actually been corrected in your credit report. This can get you a good credit score as long as you don’t have any down debts and the information challenged was actually inaccurate thereby getting you low mortgage rates.

Should I use a credit repair service?

It’s not necessary or something you need to do before you get your challenges sorted. You can absolutely do it on your own but if you need further advice or would like to consult with experts or you’re a busy person and wouldn’t have time to do it and follow up, then you should get the services of a legitimate credit repair company to help you with it.

How do credit repair services work?

What credit repair companies do primarily is to give you advice on what to do regarding inaccurate information on your credit report and also help you through the process of submitting a challenge to the appropriate quarters. Depending on the subscription you have with them and the amount you’re paying, these services might be extended to other things such as credit monitoring. So basically they provide services to help you counter any kind of inaccurate information you have on your credit report.

Are credit repair services legal?

Yes, credit repair services are legal. It is even protected by a federal law. So that means using them is actually not a problem. However, you might need to be very careful when selecting a credit repair company so as not to fall for scams posing to offer credit repair services. Also, beware of any credit repair company that guarantees to have accurate information taken off your credit report.They have no hand in that, they only submit disputes just like you can do yourself and wait for feedback regarding the dispute issued.

Do credit repair services work?

If work means helping you to dispute or challenge any inaccurate information in your credit report, then yes. Credit repair services help you do that together with a number of other things, one of which is Credit reporting. They submit a dispute on your behalf and also do follow up to ensure it is settled and the information no longer appears on your credit report. However, if the information is inaccurate or unverifiable, then the information might not be removed but that is not a fault on the part of your credit repair company.

How can I repair my credit myself?

To start, you’d first have to obtain your credit reports. Everyone is entitled to a free credit report once in 12 months and this can be gotten from www.annualcreditreport.com. After getting your report, the next thing is to check and review the report for any negative items or inaccurate information, which could be late payments, bankruptcies, repossessions and so on. Next step is to challenge and dispute the inaccurate information in the report. If the information is accurate, it will not be removed. Even for the inaccurate information detected, you will need to get proof or something to back up your claim for it to be properly investigated and have it removed. You can then send a mail to the credit agency reporting the inaccurate information stating your challenge. There’s also an option to submit disputes online and this can be done via the agency’s website.

What is the best credit repair service?

There are a number of companies that offer credit repair services. Their services usually come with not just helping you repair your credit but also some other things like credit monitoring or follow up to ensure the inaccurate information has been removed from your credit report. The best available is Credit Saint, having an A+ rating at the Better Business Bureau for over 10 years. They offer free consultation at the start to help you identify negative items in your credit report before you can then decide on which of their packages you want to go for. Their services range from sending challenges to all three credit bureaus, sending cease and desist letters, to credit monitoring and being able to monitor progress in your dashboard.

Is it worth paying someone to fix your credit?

Unless you’re a really busy person and you don’t have the time to check your reports and dispute whatever inaccurate information you have in your credit report, then it’s not worth paying someone to fix your credit for you. “Fix”, at best in this context, means they’ll help you try to get inaccurate information off your credit report as long as it’s the right thing and also verifiable. If the information is not accurate, there’s nothing even the best credit repair services can do to remove such information. Whereas, there’s nothing a credit repair service or anyone willing to help you for a price will do that you totally cannot.

How much does it cost to repair my credit?

It costs absolutely nothing to repair your credit when you do it all by yourself. It’s not an entirely difficult process that you can’t handle and it will help you save money rather than pay someone to do it. However, you can spend between $30 to $130 when you hire the services of a credit repair company to help you go about it just in case you don’t have the time to do it yourself. Most credit repair services are usually subscription based and you might have to pay the amount every month to have the companies help you dispute inaccurate information in your credit reports.