Although the majority of our credit clients are referred to our services by Real Estate Agents and Loan Originators, we are deeply connected to a vast network of companies and professionals all across the country. We would be happy to make the connection with our partners for you. Typically, any business we refer you to will be our Preferred Partner and have been vetted by us. We trust them to provide the highest level of service complimentary to the service The Phenix Group provides to our consumers. Sometimes we are forced into a loan with significantly higher interest rates.

Reclaim your financial freedom and speak with a live credit specialist for your free consultation. Don’t allow errors on your credit to stop you from getting the home of your dreams. We will work on removing the inaccurate name and address variations as well as excess employer and phone number information. “It’s a good sign to a lender that you’re disciplined enough, you’re not utilizing all of it, and if you were to fall on hard times, you have something to fall back on,” Zarrad says. We research all brands listed and may earn a fee from our partners.

Newer versions of the FICO® Score and VantageScore credit scoring systems ignore paid collections, so if a lender uses a score based on one of them, paying the collections account could improve your credit picture. With patience and discipline, meaningful credit improvement is possible without expensive services. Credit repair companies, also known as credit services organizations, are for-profit businesses that charge consumers to dispute credit report items on their behalf. In addition to filing disputes, many of these firms also market services such as credit monitoring, identity theft protection, debt validation, and educational resources. Credit bureaus sell the information in your report to businesses that use it to decide whether to loan you money, give you credit, offer you insurance, or rent or sell you a home. Some employers use credit reports to decide whether to hire you.

The companies were found for years to have charged illegal advance fees or subjected consumers to allegedly deceptive bait-and-switch advertising in violation of federal telemarketing laws. Hiring a company like ours is just an option you have to make the process smoother and easier on you. We have over 15 years of experience and have perfected the credit repair process. We have helped over 10,000 clients better their credit and fulfill their credit goals and achieve their dreams. Within a few weeks of making payments, you’ll be able to see the improved credit scores, getting you on track while you address existing negative issues through our dispute letter process. Credit Saint LLC provides a range of credit repair packages to Texas customers, helping them enhance their credit scores by disputing inaccuracies or unverifiable information in their credit histories.

If they want upfront payment or ask you to lie to the credit bureaus, walk away. A credit builder loan lets you “borrow” money that’s held in a locked savings account. You make monthly payments, and once the loan is paid off, the money is released to you.

Free Credit Repair – Because We Care

The affected credit repair companies have filed for bankruptcy protection, according to the CFPB. After four years of day in, day out, trial and error, Joe and the team at ASAP finally reached a consistent success rate that many credit repair companies would (and did) envy. Whether you experienced a job loss, unexpected medical bill, or simply mismanaged your credit cards, harboring a bad credit score can happen to anyone. Between your daily 9-5 grind, chauffeuring the kids to school and extracurricular activities, household chores, and maintaining a social calendar, keeping track of your financials can be cumbersome. Maybe you splurged on a new master bathroom, have several months’ worth of outstanding charges, and now have a debt collector trailing you like an ominous cloud. That once-relaxing bubble bath quickly transformed into an anxiety-inducing burden.

$3999 To Get Started

People with negative experiences are more likely to write reviews than those who have positive experiences. Many people who report negative experiences had unrealistic expectations or did not fully understand the service. Credit Saint offers three different plans, allowing you to select the one that best fits your credit repair needs. You’ll get a free consultation, where you can review your situation and discuss the pros and cons of the different plans. To help in your search, we compared more than 20 of the best credit repair agencies. Ultimately, we searched for providers who have been in operation for a decade or longer, as well as those with transparent pricing, excellent customer support options, an array of services, and nationwide availability.

These companies contact the credit reporting bureaus on your behalf in exchange for a fee. While reviewing your credit reports, if you see something you believe is inaccurate or incomplete, contact your lender or creditor first. creditrepair can also file a dispute with each of the three nationwide credit bureaus for free. (For more information on filing a dispute with Equifax, click here.) The bureaus are required by law to investigate the matter.

Sometimes called “debt relief”, I almost never recommend debt consolidation. If you have such an amount of bad debt that is impossible for you to ever repay, I can refer you to a good bankruptcy attorney. With CoolCredit, you manage your own credit repair process directly through our secure app, ensuring your financial information stays private. Repairing credit is a challenging process that requires persistence and strategy. Our AI is designed to handle this war of attrition effectively, continually working until these negative items are successfully removed. If the payment was timely but incorrectly recorded by the creditor, professional assistance from a credit repair expert might be necessary to correct the error.

Ovation stands out among credit repair companies in Texas thanks to its client-focused approach and nationwide backing. As part of the LendingTree family, Ovation offers the reliability of a large financial brand paired with the hands-on service of a boutique agency. Its team of credit professionals works one-on-one with clients to target and resolve the unique issues holding back their credit score. The Credit Repair Organizations Act also entitles you to certain legal rights when dealing with credit repair companies. For example, companies are prohibited from demanding up-front payment before services are rendered and must let consumers cancel for any reason within the first three business days. The Credit People’s Credit Report Repair service is relatively affordable compared to other programs in the space.

Over the course of six months, Mike sees significant improvements in his creditworthiness, opening doors to better loan terms and financial opportunities. The Credit Pros offers affordable plans to help you increase your credit score so you pay less for the essentials (and the extras) in life. If you are struggling to pay off debt and would like some help with credit, credit repair companies promising they can provide a “quick fix” for your credit may sound tempting.

A credit repair company can significantly reduce stress for those struggling with debt collectors or who could benefit from debt consolidation. Many credit repair companies offer to develop long-term financial plans to help prevent future credit issues. Initially, you must obtain credit reports from the three major U.S. credit bureaus. You’re entitled to one free report from each bureau every 12 months. Requesting all three is crucial because each report may contain slightly different information. Acquiring all three reports gives you a comprehensive view of your credit history.