Get a Texas-Sized Credit Score

Don't fall victim to a flawed credit reporting system.
Let us help your credit reach new heights.

What is credit repair?

Say thanks to strenuous consumer protection laws and regulations.

Did you know it is your right to challenge the accuracy and completeness of any information in your credit report?

Credit restoration involves identifying and disputing inaccuracies in your credit report, obtaining new credit, and effectively managing existing debts.

These three processes together strengthen your credit profile and ultimately lead to higher credit scores.

Higher credit scores boost your overall financial health and make life easier. They improve job and rental prospects, increase qualifications for home and car loans, provide lower interest rates on cards and loans, lower your insurance premiums, and often eliminate the need for deposits.

Credit repair is the strategic process of challenging errors

and effectively managing existing accounts in order to elevate your scores.

A better credit rating can lead to an easier life: lower interest rates, better rental prospects, reduced insurance costs, elimination of deposits, better business and investment opportunities – sometimes, even a better job!

How we do it

Step 1

Restructure Debt

First, we identify creative ways of restructuring current debts in order to optimize your credit file.

Step 2

Challenge Inaccuracies

Next, we identify inaccuracies on your report and dispute them on your behalf. If found to be incomplete or unverified, the consumer reporting agency is required by law to delete or modify appropriately.

Step 3

Obtain New Credit

Then, where applicable, we will guide you on securing a new mix of credit accounts to aid in restoring your credit rating and financial health.

Step 4

Qualify, Save, & Build

Finally, we help you develop good credit habits to carry forward so that you can maintain financial wellbeing, qualify for better terms, save more money, and pave your way to building wealth.

My scores are low, but I don't know why..

I don't know my credit scores..

What sets Texas Credit apart?

We do things bigger.

More Affordable

Unlike many credit repair organizations, we do not charge exorbitant fees. In fact, we will provide a free credit analysis whether you are a client or not. And our pricing model is pay per delete.

We believe in helping you through this journey - not causing more harm. Therefore, we will even put fees on flexible 0% interest payment plans.

We Report Payments

We believe in rebuilding simultaneously. We report our clients' payments, as payment history is the largest contributor to your credit score.

As an added bonus, we report as an installment account, which enhances your mix of credit and is especially beneficial for mortgage-specific scores.

Legal Network

We keep a tight network of contingency-based attorneys to whom we refer FDCPA & FCRA cases. We conduct routine reviews to help identify any claims our clients may have against abusive debt collectors or in cases of negligence by the credit bureaus.

This service can even put money back into clients' pockets.

Money-Back Guarnatee

We take pride in our 180-day Money-Back Guarantee. If we are totally unsuccessful with garnering deletions for inaccurate information on your credit reports, you'll be eligible for a full refund.

FCRA Copy

The Fair Credit Reporting Act lets us directly challenge credit bureaus on any inaccurate or unverifiable report content. If they can't prove an item's accuracy or reinvestigate within the legal timeframe, they must remove it from the report.

Rebuild Simultaneously

As noted in our payment reporting, we are concerned with rebuilding just as much challenging. We believe in educating you to improve your overall financial health and wellbeing. Using our exhaustive knowledge of credit scoring, we know how to help you optimize your scores

How It Works

Consultation is free, of course.

With Texas Credit, you get a real consultation – not a sales pitch.
A Certified FICO® Pro will create a tailored plan to help get your credit back on track.

Our Service Packages

Credit Restoration Program – $999

– Indefinite Attempt at Updating, Correcting, or Deleting Negative or Inaccurate Information

– Includes All Three Primary Credit Reporting Agencies (Experian, TransUnion, Equifax)

– Personalized Audit of Credit Profile

– Personalized Plan of Restoration

– 24/7/365 Support During the Program

We’ve Had Success Deleting the Following:

– Collections, Medical Bills

– Charge-Offs

– Late Payments, Delinquencies

– Bankruptcies

– Judgements, Tax Liens

– Repossessions, Evictions, Short Sales

Student Loan Savior Program – $999

– Consolidation (20-30 year)

– $0/mo Payment Plans (Where Applicable)

– Default Rehabilitation

– Delinquency Credit Reporting Reversal

– Wage Garnishment & Tax Offset Halt

– Forgiveness & Cancellation (Where Applicable)