Are you tired of trying to improve your credit by yourself? If you happen to live in the Lone Star State, we have good news for you—we’ve made a list of the leading Texas credit repair services that can get your credit score where it needs to be. Also, since every state in the US has its own set of laws on credit repair, we have also summarized the key points of the Texas credit repair laws to give you an even better idea of the industry and what to expect.
Your Trusted Trinity Credit Services
Among the most experienced credit repair agencies headquartered in the Lone Star State, this Celina-based firm has been in the business since 1996. The firm is largely known for its customized solutions, meaning that you will find out your potential expense only after talking to the firm about your case.
A Home. A Car. A Job. A Loan.
This is another Texas credit repair firm that’s been in business for a long time. Set up in 1998, this Houston-headquartered company offers the entire range of credit repair services, including free consultation and credit monitoring.
AMB Credit Consultants has been assisting consumers all across America with repairing their poor credit for 10 long years.
Dallas-based AMB Credit Consultants is known for its simple package that incorporates credit consultation, credit report audit, credit empowerment, and dispute resolution. A relatively younger player among firms providing credit repair in Texas, it is particularly focused on credit-related education to help you maintain a good score.
OUR GOAL: RAISE CREDIT SCORES FAST!
Austin Credit Group was set up in 2010 by Stephen Gangey and is a relatively smaller firm compared to other businesses vying for the top spot in credit repair in Texas. Headquartered at Pflugerville, near the state capital, the firm is known for its two-path approach, which involves addressing the negative items in credit reports and establishing new positive credit.
Apart from the two federal laws, local rules governing credit repair companies in Texas include Chapter 393 of the Texas Finance Code. We have summarized the key statutes of this law below. While these points will help you with a broad idea of your rights when engaging a credit repair company in Texas, we recommend going through this entire chapter as well as Chapter 392 of the Texas Finance Code, which relates to debt collection.
A credit services organization (CSO) provides, in return for payment, services related to improving a consumer’s credit history or rating, obtaining an extension of consumer credit, or providing related advice or assistance to a consumer.
Texas credit repair companies can also function as credit access businesses. A credit access business is a CSO that obtains for a consumer or assists in obtaining an extension of consumer credit in the form of a deferred presentment transaction or a motor vehicle title loan.
Note that there is no statewide law for credit repair license in Texas. However, some cities or counties may require firms to obtain a license to conduct business there.
Before executing a contract, a firm providing credit repair in Texas must disclose the following:
For credit repair services in Texas, the contract to be executed between the CSO and consumer must include, among other things:
Credit repair companies in Texas cannot:
Anyone who suffered a violation of these laws can bring an action against the concerned Texas credit repair agency. The consumer is entitled to:
Trinity Credit Services has been in business for 25 years as a consistently top-rated credit repair company in Texas, especially for the Dallas and Fort Worth areas. It is also certified in the Fair Credit Reporting Act, which gives it a clear edge over many competitors.
This Texas credit repair firm is mostly known for its customization options. The company treats every case on its merit, devising strategies best suited for quick and effective outcomes. The downside of this method is that the company refrains from disclosing the fee structure beforehand.
After going through customer reviews, we can say that the fees start from around $450 for a six-month contract. You do get a refund guarantee though, so, if the company doesn’t deliver the results it promised, you won’t be charged.
The firm’s approach to credit repair differs from other names among the best credit repair companies in Texas. It goes well beyond sending dispute letters to the credit bureaus and conducts a detailed investigation into the issues in your credit reports. As a result, the negative items removed from your reports are less likely to creep in again.
There are some negatives, including the absence of credit monitoring—a useful service provided by many competitors—and the C+ BBB rating. While the latter could be a cause for worry, the excellent customer reviews of Trinity’s services on independent sites managed to allay most of our concerns.
ASAP Credit Repair is another firm providing credit repair in Texas that offers customized solutions, meaning the strategy used and the related payment will depend on your specific needs. Customized services generally ensure a more effective credit repair process. There’s also greater visibility on the fee you will be charged, with the typical one-time fee falling between $399 and $699.
The one-time fee may seem relatively high, but you are likely to end up paying less than the monthly plans offered by other firms. Plus, in the absence of a monthly fee, the firm has an incentive to get your work done faster. Also, note that the company offers a 100% money-back guarantee if it fails to deliver on its promises. The only negative is that you will know your exact outflow only after your free consultation with the team.
The company is a good option if you are looking for the entire suite of credit repair services in Texas, including credit monitoring, credit-related education, and a qualified credit repair lawyer for Texas. Some reviews of the firm mention the absence of monthly credit monitoring, but it’s listed in the offered services. We suggest confirming this with the company before signing a contract.
At the time of writing, ASAP Credit Repair is not BBB-accredited; however, the BBB site states that the firm’s information is under review, so its status may change. We further found positive reviews from past customers and no outstanding complaints.
Founded in 2007, AMB Credit Consultants has managed to make a name for itself among the best credit repair companies in Texas through its focus on credit empowerment. It aims to impart the skills needed to sustain a healthy credit score well after a customer has stopped using the firm’s services. Of course, customers get the other standard services like consultation and dispute resolution, as well.
The firm has excellent customer reviews and no unresolved complaints, which reflects well on the quality of its services. Other positives include no limits on the number of disputes in one payment term, a helpful online portal for customers, a simplified enrollment process through the online form, and a slight discount for couples.
On the flip side, the monthly payment plan ($149 enrollment fee and $99 monthly for individuals; $198 enrollment fee and $198 monthly for couples) can add up over the six to nine months the firm will take to get your disputes resolved.
Unlike most other Texas credit repair firms, AMB also requires customers to purchase credit monitoring services from its preferred third-party provider, IdentityIQ, which will cost you at least $25. Plus, it doesn’t offer a free credit consultation.
The relatively higher cost of the overall package is balanced out by AMB’s exemplary record over the years. Customers may have to shell out a little extra but, in return, are assured of an efficient process and valuable skill-building.
If you’re looking for the best credit repair Texas can offer, Austin Credit Group will fit the bill, even if it may not be able to offer you dedicated resources. It may also lack some extras like credit monitoring or work with an external credit repair attorney with a Texas license. However, it makes up for these deficiencies with the overall quality of its services, which includes a simple and affordable payment plan. The glowing testimonials from past customers on third-party review sites further place it among the best credit repair companies.
The firm offers a two-stage package to its customers. The first, known as the Profile Review Program, involves a credit consultation for $115. If you have simple issues in your credit report, the firm will advise you on the next steps and send you home.
About 85% of this Texas credit repair firm’s clients move on to the Ultimate Credit Improvement Program. The account setup fee for this is $345. Against this fee, you are charged $55 for each negative item resolved. Unused credit is refunded at the end of the contract period.
The firm is also strongly focused on educating its clients, which will help you maintain a stronger credit score in the future. We also like the discount its offers to veterans, educators, and law enforcement officials. Rated A+ with the BBB, the firm is a great choice if you are looking for a small credit repair team led by an experienced and respected professional.
There you have it; the leading Texas credit repair services that can save you a world of trouble if you happen to have inaccurate information on your report. Still, before sealing the deal, do your due diligence to make sure you’ll benefit from the service to the fullest and that it is within your budget.