1
AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros
    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
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2
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit
    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
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3
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People
    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
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4
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair
    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
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5
BBB Accredited
Credit Saint logo

Credit Saint
    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
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6
CreditRepair.com logo

CreditRepair.com
    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
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7
Most Clients Served
Lexington Law logo

Lexington Law
    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection
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Living with bad credit is not easy. Constantly paying more for the same services, being denied credit or loans and every turn, and much worse. Even if temporary circumstances led to a poor credit score, lenders still are hesitant to give these consumers a second chance. Instead of living in debt, working with a Texas-licensed credit repair company can help you turn your financial future around.

Overview of the credit industry in Texas

Compared to most other US States, Texas is very affordable. The cost of living in this state is lower than the national average, with real estate being particularly low-priced. Despite the low cost of living in the state, Texas has some of the highest levels of individual credit card debt out of all US states. On average, each individual in Texas has $5,471 in credit card debt, nearly $300 above the national average.

A surprising fact about Texas is that the average credit score is much lower than the national average, despite the fact that real estate is very affordable within the state. The average person has a credit score of 692, more than 20 points below the national average of 714 points. If you're a Texas resident struggling with a low credit score, you may need to access credit repair service to help you remove any inaccurate information that could be damaging your credit score.

Laws that affect credit repair in Texas

The main Texas state law that impacts credit repair companies (TX Fin Code 393.001) has a few main restrictions. Under this law, any company that offers credit repair as a service is required to:

  1. Maintain their own surety bond with a minimum value of at least $10,000
  2. Register their business as a credit service organization (CSO) with the Texas Secretary of State
  3. Limit all contracts to a period of no more than 180 days at a time
  4. Provide upon request a full refund to any customer within 10 days of the contract being signed
  5. Allow cancellation of any credit repair contract with 3 business days of signing
  6. Disclose some specifics to customers about credit repair service on the written contract

Texas’ state law builds on existing federal laws governing credit repair. The Credit Repair Organizations Act (CROA) is the main federal law impacting these organizations. It requires companies around the nation to provide customers with written contracts, disclose certain information about the credit repair process to all customers, and to only accept payment after service is provided.

Do you need a lawyer to do credit repair in Texas?

Although it's sometimes assumed that a lawyer is needed for credit repair in Texas, this is not the case. You can work with any company that's registered appropriately and follows all state and federal laws. This is beneficial for you, because it allows you to work with any company you feel comfortable with, rather than looking only at local law firms for the service.

Credit repair process in Texas

Going through the credit repair process in Texas will look something like this:

Step 1: Sending in a credit report request  

In the beginning of the process, you need to request your credit reports from the 3 major credit bureaus in the US. These credit reports can be requested for free once every 12 months from each of the bureaus individually. It's important to make sure you request all 3 separate reports, instead of relying on a single report, because each report may contain slightly different information and entries to one another. To get the full picture, you need all 3 reports.

Step 2: Studying your credit report’s entries

Each credit report contains a number of entries from the last seven years of credit activity you've done. This can amount to many different entries, but you need to examine each one to see that it's accurate and correct to what you've done. If you notice anything out of the ordinary or entries that don't look correct, make a note of them and confirm the accuracy of the transaction as best you can.

Step 3: Opening a dispute over inaccurate entries

In the event that you do find inaccurate entries on your credit report, which is not uncommon, you must dispute them through the credit bureau that published the report. If the entry is on multiple different credit reports, you need to dispute each one individually with the relevant credit bureau. These dispute letters will contain evidence proving the inaccuracy of the entry and requesting its removal or amendment on your credit report.

Note: Well credit report is technically made-up of only three steps, it's a complex process that can take a long time to get completed. Don't underestimate the process! Working with a reputable credit repair company can help you get through the process more smoothly by providing the correct evidence and writing an appropriate dispute letter from the very start. There are also helpful in following up with ongoing investigations to ensure the credit bureaus do not forget about you.

Can A Credit Repair Company Really Help With My Score?

You can repair your credit on your own, but hiring a credit repair company will make things much easier. They will deal with creditors and the credit reporting agencies on your behalf so you don’t have to spend hours each day on the phone or writing letters. Credit repair companies also have the skills and the experience needed to get derogatory marks stricken from your credit report much quicker than if you were doing it on your own. For consumers who need help negotiating with debt collectors as well as those who may benefit from debt consolidation, hiring a credit repair company can make a stressful situation less nerve-wracking. Another benefit is that many credit repair companies will also work with you to create a long-term plan for your financial health that will keep you from falling back into the same traps that led to low scores in the first place.

What About Debt Consolidation in Texas?

If you have medical debt or credit card debt, one way to improve your credit score is through consolidation. Premier credit repair companies will be able to negotiate a payment plan that brings all of your debts under one creditor. Not only will this make payments easier for you to manage, but it will also help improve your credit score by getting rid of multiple past due lines of credit. As you pay down your debt consolidation bill and make your payments on time, your credit score will continue to improve.

Common questions and answers:

How much can you improve your credit score in Texas?

The amount you can improve your credit score by varies based on how much is affected by inaccurate entries. If there are many inaccurate entries on your credit reports, these can have a highly negative impact on your credit score. Having these entries removed will quickly increase your score, allowing it to be calculated only using accurate information from legitimate transactions you've performed.

How much does it cost to fix your credit in Texas?

In Texas, credit repair is usually charged as a monthly service. It includes drafting dispute letters, following up with credit bureaus, and sometimes other complementary services. Companies in Texas will charge anywhere from $65 to $199 per month for this service, with the average being closer to $89 to $129 per month.

How long does the credit repair process take in Texas?

No matter how complex your case is, the average time for credit repair in Texas is usually around 3 to 6 months from start to finish. Although credit bureaus must respond to you within 30 days of receiving a legitimate dispute letter, they rarely complete investigations this quickly and may take much longer to finalize any changes to your credit report.

Are there any cities in Texas where you cannot do credit repair?

There are no cities in Texas where credit repair is unavailable. This means that residents of large metros like Houston, San Antonio, Dallas, or Austin have the same options as smaller cities like Port Arthur, Big Spring, Bay City, or Highland Park. There are no restrictions placed on credit repair in the state, as long as companies are following relevant local and federal laws.

Get help with credit repair in Texas:

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