With years of experience and a passion for helping clients achieve their financial goals, our team is committed to guiding you on your journey to credit recovery and financial success.
Reviewed By:
Ashley Davison
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world every...
With an average credit score of 695, Texas ranks among the bottom five states for the lowest average credit scores. This is below the national average of 717, reflecting the state’s need for improved credit health.
By adopting responsible financial habits and utilizing reputable credit repair services, many Texans have the opportunity to elevate their credit scores into the higher 700s, thereby unlocking access to better lending terms and broader financial opportunities.
In the Lone Star State, where financial health is as vital as embracing the rich Texas culture and booming economy, maintaining a strong credit score is essential. Navigating the complexities of credit repair in Texas can be daunting, with various services promising to improve your credit history. This guide aims to simplify your search by highlighting the top-rated credit repair companies in Texas.
Recent data shows that Texas ranks among the states with higher levels of credit card debt, with residents carrying an average of around $6,753 in credit card balances. This debt burden can complicate efforts to maintain or improve credit scores, potentially leading to financial difficulties. Late or missed payments can further damage credit health, creating a cycle that is hard to break.
In Texas, where the cost of living and economic challenges can be significant, accessing reliable credit repair services is crucial. Professional credit repair services can help address issues such as reporting errors from creditors and credit bureaus, which may negatively impact your credit score. By utilizing these services, you can work towards correcting inaccuracies and implementing strategies to better manage your financial future.
All of these companies operate in the state of Texas.
1. Credit Saint
National Company Servicing Texas
National Company Servicing Texas
Has a 90-day money-back guarantee
Provides a free initial credit evaluation
Founded In
BBB Rating
Google Rating
2007
A
4.8/5
Credit Saint is a leading credit repair company dedicated to helping individuals improve their credit scores and achieve financial stability. With personalized solutions and expert guidance, Credit Saint empowers clients to navigate their credit challenges and build a stronger financial future.
Credit Saint’s reviews generally highlight the company’s effective customer service and transparent communication, with many clients noting significant improvements in their credit scores after using the service. Customers appreciate the variety of packages available, which cater to different needs and budgets, and the 90-day money-back guarantee provides an added layer of trust.
Credit Saint’s pricing ranges from $79.99 to $139.99 per month, depending on the service package selected, with an initial setup fee between $99 and $195. The company offers three main packages, each designed to cater to different levels of credit repair needs, and all come with a 90-day money-back guarantee.
Credit Saint is generally considered worth it for those looking to improve their credit scores, as it offers comprehensive services, transparent communication, and a 90-day money-back guarantee. Many customers report significant improvements in their credit, making it a valuable investment for those serious about repairing their credit.
2. Texas Best Credit Repair
9300 S. I-35 Frontage Rd Austin, TX 78748
5 offices servicing the entire state of Texas
Offers online scheduling and classes
Office visits by appointment only
Founded In
BBB Rating
Google Rating
2015
NA
4.6/5
Texas Best Credit Repair is a local credit repair company with offices in Austin, Houston, San Antonio, Pflugervilles and Dallas specializing in helping clients improve their credit scores through personalized strategies and expert guidance. The company offers a range of services, including disputing inaccurate credit report items, negotiating with creditors, and providing financial education to prevent future credit issues.
There are currently 56 reviews about Texas Best Credit Repair on Google. They have an average rating of 4.6/5 stars.
Texas Best Credit Repair offers a range of credit repair plans starting at $69.98 per month and going as high as $149.98 per month, with initial fees ranging from $39.99 to $299.99. The company provides a clear breakdown of costs upfront, allowing clients to choose the plan that best fits their needs and budget.
While Texas Best Credit Repair offers various competitive pricing plans ranging from $69.98 to $149.98 per month, their initial fees are high, so it may not be the most cost-effective option. National credit repair companies often have better online reputations, more comprehensive services, and competitive pricing, offering more value for your money. For those seeking the best return on investment, considering a reputable national company with proven results might be a more worthwhile choice.
3. Texas Custom Credit Repair
1100 NW Loop 410 Suite 700 San Antonio , TX 78213
Services San Antonio and surrounding areas
Offers online credit consultation booking
Open Mon-Fri from 9am-7pm and Sat 9am-3pm
Founded In
BBB Rating
Google Rating
2011
NA
4.1/5
Texas Custom Credit Repair is a credit repair service based in San Antonio that focuses on providing tailored solutions to help clients improve their credit scores. The company offers personalized credit consultations, dispute services, and financial advice to address each client’s unique credit challenges.
What State Regulations Govern Credit Repair in Texas?
In Texas, credit repair companies are regulated by both state and federal laws to protect consumers from fraudulent practices. The key regulations governing credit repair in Texas include:
Texas Finance Code Chapter 393: This state-specific law regulates credit repair organizations operating within Texas. It mandates that credit repair companies provide clients with a written contract before any services are rendered. The contract must include details about the services to be performed, the total cost, and the estimated time required to achieve results. The company must also allow clients to cancel the contract within three days without any penalty.
Surety Bond Requirement: Under Texas law, credit repair organizations must obtain a surety bond of $10,000 before offering services. This bond is meant to protect consumers by ensuring that there are funds available to cover any claims against the company for unethical or illegal practices.
Texas Deceptive Trade Practices Act (DTPA): Credit repair companies in Texas must also comply with the DTPA, which prohibits false, misleading, or deceptive business practices. Violations of this act can lead to significant penalties, including consumer refunds, damages, and attorney fees.
Federal Credit Repair Organizations Act (CROA): In addition to state laws, credit repair companies in Texas must adhere to the federal CROA. This act requires that credit repair organizations provide consumers with a detailed disclosure statement before signing a contract, outlining their rights and the company’s obligations. The CROA also prohibits credit repair companies from making false claims about their services and from charging fees before services are completed.
These regulations are designed to ensure transparency, protect consumers, and promote fair practices within the credit repair industry in Texas. Consumers are encouraged to thoroughly research and verify the legitimacy of any credit repair company before engaging their services.
How can I verify the legitimacy of a credit repair company in Texas? To verify the legitimacy of a credit repair company, check if they are registered with the Texas Secretary of State and have a surety bond as required by law. Additionally, review their standing with the Better Business Bureau (BBB) and ensure they comply with the Texas Finance Code Chapter 393.
What are the average costs of credit repair services in Texas? In Texas the average cost of credit repair services generally ranges from $69 to $150 per month, with initial setup fees typically between $19 and $149. Costs can vary depending on the complexity of the case and the specific services offered by the credit repair company.
Can Texas residents repair credit on their own, or is professional help recommended? While Texans can handle credit repair on their own, professional companies often bring more expertise, resources, and an understanding of Texas-specific credit challenges.
Are there any Texas-based credit repair scams to be aware of? Yes, some Texas-based credit repair scams exist, often characterized by promises of quick fixes or upfront fees without delivering results. To protect yourself, verify the company’s credentials, check for compliance with Texas regulations, and review customer feedback from trusted sources.
Are there any places where you cannot do credit repair in Texas? Credit repair is legal and accessible throughout Texas, including major cities like Houston, Dallas, Austin, San Antonio, and Fort Worth. There are no specific places in Texas where you cannot legally engage in credit repair services.
Where can Texas residents report unethical credit repair practices? Residents of the Lone Star State can report unethical credit repair practices to the Texas Attorney General’s Office either online or by calling their consumer protection hotline. They can also file complaints with the Federal Trade Commission (FTC) and the Better Business Bureau (BBB) to address such issues.
Local Options for In-Person Credit Repair Services in Texas
These companies are based in various cities across Texas and offer specialized credit repair services tailored to the needs of Texans. Whether you are in Dallas, Austin, Houston, or smaller cities like Tyler and Mission, these firms provide localized support to help you work to improve your credit score. It’s crucial to conduct thorough research on any credit repair company before proceeding, as the industry has occasionally faced issues with unethical practices.
Company Name
Address
White Jacobs & Associates
14902 Preston Rd Suite 404-942, Dallas, TX 75254
Texas Best Credit Repair, LLC
7801 Alma Dr Suite 105-106, Plano, TX 75025
The Phenix Group
7600 Chevy Chase Dr Suite 300, Austin, TX 78752
Credit Firm Inc.
112 E Line St Suite 100-G, Tyler, TX 75702
Hallidity Company
7600 Chevy Chase Dr Suite 300, Austin, TX 78752
ASAP Credit Repair
1001 Texas St Suite 1400, Houston, TX 77002
Real Credit Repair, LLC
6391 De Zavala Rd Suite 111B, San Antonio, TX 78249
A&A Credit Repair & Income Tax
816 Camaron St Suite 2.01, San Antonio, TX 78212
Fresh Start Credit Solutions
12801 N Central Expy Suite 1175, Dallas, TX 75243
Rapido Credit Repair
2406 Brock St Suite 21, Mission, TX 78572
Strong Credit Repair
10497 Town and Country Way, Suite 700, Houston, TX 77024
Texas Consumer Credit Services
1830 Range Dr Suite 101, Mesquite, TX 75149
EWS Credit Repair
6060 N Central Expy Suite 560, Dallas, TX 75206
Oak Credit Repair
17806 W Interstate 10 Ste 300, San Antonio, TX 78257
Reliant Credit Repair
1800 E 4th St Suite 104, Austin, TX 78702
Houston Credit Repair
7324 Southwest Fwy Suite 135, Houston, TX 77074
Liberty Credit Solutions
5850 San Felipe St Suite 500, Houston, TX 77057
Aggieland Credit Repair
303 E 29th St Suite 112, Bryan, TX 77803
DFW Credit Solutions
201 Main St Suite 600, Fort Worth, TX 76102
A+ Credit Repair
1701 W Northwest Hwy Suite 100, Grapevine, TX 76051
Bottom Line on Credit Repair in Texas
Finding reliable credit repair services in Texas requires diligence and awareness of potential pitfalls. While reputable companies can assist in correcting errors on your credit report and guiding you toward better financial health, they cannot erase accurate negative information. It’s crucial to ensure any credit repair company you consider is compliant with both state and federal regulations, and that they have a solid track record in the industry.
If you’re dealing with credit challenges, enlisting the help of a credible and experienced credit repair service can be a significant step towards improving your credit score and securing a stronger financial future. Always verify the legitimacy of any service provider before moving forward.
Reviewed By:
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world everything she knows and learn everything that she doesn’t! Ashley is a FICO® certified professional, a Board Certified Credit Consultant, a Certified Credit Score Consultant with the Credit Consultants Association of America, UDAAP certified, and holds a Fair Credit Reporting Act (FCRA) Compliance Certificate.
