Houston Credit Repair
If you live in Houston and suffer from poor credit, these credit repair companies are the best options to choose from. Read on.
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These credit repair companies are offering their services in Houston:
- Lexington Law: Best Overall
- Credit Saint: Best for Money-back Guarantee
- Sky Blue Credit: Best for Couples Pricing
- The Credit Pros: Best for Credit Building
- The Credit People: Best for Flat-Rate Plan
Credit repair eliminates incorrect entries damaging your credit reports, improving your credit over time.
If you're just a few points shy of a stronger credit score, you could soon unlock low-interest loans and the best credit cards around.
To help you out, this guide highlights the top credit repair companies in The Space City.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
5 Best Houston Credit Repair Companies
These Houston credit repair companies have a long-standing history in credit repair.
They also offer a free consultation to assess your credit and help you with your inquiries. Keep scrolling for your options.
Lexington Law: Best Overall
Lexington Law is a trusted law firm with over 20 years of experience specializing in credit repair. During this time, it has helped thousands of clients improve their credit.
The firm has an impressive track record, having sent over 221 million challenges to credit bureaus since its inception.
In 2023 alone, it successfully helped remove more than 2 million inaccurate and negative items from clients' credit reports.[1][2]
Why We Like It:
Lexington Law offers Focus Tracks which address credit challenges caused by unexpected events.
For instance, the Medical Focus Track uses legal support to protect your credit from medical debt. To do this, legal professionals will leverage your rights.
For example, under the CFPB rule, unpaid medical bills should not be included in your credit reports. Creditors cannot use certain medical information to make lending decisions.[3]
Pricing & Fees:
Lexington Law offers only one premium credit repair package at $139.95/month.[4] You get the following:
- Skilled lawyers and paralegals working on your case
- Challenges to Equifax, Experian, and TransUnion
- Monthly TransUnion FICO score
- $1 million identity theft insurance
- Personalized strategies to improve your credit score
The first payment is charged 5-15 days after you enroll, but Lexington Law doesn’t specify the exact amount. Then after a month, you'll be charged the monthly fee.
Pros & Cons:
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Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Credit Saint: Best Money-back Guarantee
Credit Saint has been in the industry since 2004, helping over 200,000 clients.[5] It's even known as one of the most aggressive services in the United States.
Why We Like It:
Credit Saint provides a 90-day money-back guarantee. Either you get inaccurate items removed from your credit reports within 90 days of enrollment, or you get a full refund.
Not all credit repair companies offer money-back guarantees, making Credit Saint stand out. It provides you with that extra layer of protection for your payments.
Additionally, family members can join your account without paying the initial working fee.
Pricing & Fees:
Credit Saint offers three packages with the following features:[6]
| CLEAN SLATE | CREDIT REMODEL | CREDIT POLISH | |
|---|---|---|---|
| Aggressiveness | Very High | High | Medium |
| Price (monthly) | $139.99 | $109.99 | $79.99 |
| Initial working fee/first work fee | $195.00 | $99.00 | $99.00 |
| Challenges to the 3 credit bureaus | Unlimited disputes | ✔ | ✔ |
| Creditor intervention letters | ✔ | ✔ | ✔ |
| Score tracker and analysis | ✔ | ✔ | ✔ |
| Inquiry targeting | ✔ | ✔ | — |
| Personalized guide to credit building | ✔ | ✔ | — |
Pros & Cons:
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Sky Blue Credit: Best for Couples Pricing
Among other companies, you can consider Sky Blue Credit as one of the veterans in the industry, offering credit repair since 1989.[7]
Not only is it one of the most budget-friendly options in the U.S., but it also offers Mortgage Preparation to help you get ready for your mortgage application.
This makes it an excellent choice if you're looking into buying your first home or refinancing your current mortgage.
Professionals will optimize your credit reports and prepare you for this big financial move.
Why We Like It:
Sky Blue Credit offers special pricing if you sign up with another person, allowing you to save on monthly fees. It's called couples pricing, but you don't necessarily have to sign up with your partner.
Like Credit Saint, you're also backed by a 90-day satisfaction guarantee. If you're not happy with Sky Blue Credit within the first three months, you can request a full refund—giving you peace of mind as you work toward better credit.
Pricing & Fees:
Sky Blue Credit offers the following features for each package:[8]
| PREMIUM | FULL SERVICE | BASIC SERVICE | |
|---|---|---|---|
| Price (monthly) | Individual: $119.00 Couples: $179.00 | Individual: $99.00 Couples: $149.00 | Individual: $79.00 Couples: $119.00 |
| Initial working fee/first work fee | Same as monthly price | ||
| 3-bureau credit reports and scores | ✔ | ✔ | ✔ |
| Credit bureau disputes | ✔ | ✔ | ✔ |
| Score tracker | ✔ | ✔ | ✔ |
| Credit updates | Every 45 days | Every 45 days | Every 60 days |
| Creditor interventions | ✔ | ✔ | — |
| Credit builder tool | ✔ | ✔ | — |
| Monthly inquiry disputes | ✔ | — | — |
| Debt validation letters | ✔ | — | — |
| Cease and desist letters | ✔ | — | — |
| Personal Information Correction letters | ✔ | — | — |
Pros & Cons:
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Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
The Credit Pros: Best for Credit Building
The Credit Pros has been a trusted name in the credit repair industry since 2009, assisting over 1 million clients on their journey to better credit.[9]
What sets it apart is its credit-building tools, which let you repair and rebuild your credit at the same time. This makes it a comprehensive solution for long-term financial health.
Why We Like It:
The Repair + Build Credit plan from The Credit Pros helps you add on-time payments to your credit history.
With a given $5,000 tradeline, you can make purchases at NationalCreditDirect.com and boost your credit by paying off the balance each month.
What's more, in selected plans, The Credit Pros reports your monthly payments to the credit bureaus. This means you'll gain more positive items in your credit reports over time.
Lastly, you get credit monitoring features no matter which plan you select. You get to prevent identity theft and fraud without spending extra for a separate service.
Pricing & Fees:
Here's what else you can get from them:[10]
| REPAIR + BUILD CREDIT | REPAIR CREDIT | BUILD CREDIT | |
|---|---|---|---|
| Price (monthly) | $149.00 | $129.00 | $69.00 |
| First work fee | $149.00 | $129.00 | $119.00 |
| Unlimited disputes to the credit bureaus | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Cease and Desist letters | ✔ | ✔ | — |
| Positive payment reporting | ✔ | — | ✔ |
| Credit Building Tradeline | ✔ | — | — |
| ID Cover Darkweb Monitoring | ✔ | ✔ | ✔ |
| TransUnion fraud alerts | ✔ | ✔ | ✔ |
| Debt Payoff & Budgeting System | ✔ | ✔ | ✔ |
Pros & Cons:
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Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
The Credit People: Best for Flat-Rate Plan
The Credit People is another credit repair company and it has helped over 100,000 clients since it started in 2001.[11] It has helped remove over 1.4 million inaccurate items since then.[12]
Why We Like It:
The Credit People sets itself apart with a 6-month flat-rate plan for $599, offering premium features. This saves you up to $20/month compared to the regular premium plan.
What's more, The Credit People provides a satisfaction guarantee, allowing you to request a refund if you're unsatisfied with the service. It covers the entire duration of the flat-rate plan.
Additionally, The Credit People charges a low $19 setup fee, a fraction of what other companies charge. After seven days, the fee for your chosen plan applies.
Pricing & Fees:
You can choose between a flat-rate package and two regular monthly packages:[13]
| PREMIUM FLAT RATE | PREMIUM | STANDARD | |
|---|---|---|---|
| Price | $599 for 6 months | $119/month | $99/month |
| Setup fee | $19 | ||
| Challenges to the 3 credit bureaus | ✔ | ✔ | ✔ |
| Unlimited challenges | ✔ | ✔ | ✔ |
| Before & After credit scores | ✔ | ✔ | ✔ |
| Monthly credit scores | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Escalated disputes & validations | ✔ | ✔ | — |
Pros & Cons:
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What is Credit Repair?
Credit repair is the process of challenging the credit bureaus for errors in your credit reports to have them removed.
Typically, credit repair companies analyze your credit reports for misreported late payments, outdated accounts, and inquiries you didn't authorize. Then, they challenge the credit bureaus by sending a dispute letter.
That said, you have the right to repair your own credit! The Fair Credit Reporting Act allows you to request your credit reports and directly dispute errors with the credit bureaus.
The 609 credit repair is a dispute letter you can use to challenge credit bureaus. While it doesn't guarantee the removal of any negative item from your credit reports, you can use it to validate entries and challenge errors. This is supported by Section 609 of the Fair Credit Reporting Act (FCRA), which grants you the right to request information on your credit reports, including its sources.
Credit Repair Process in Houston
Credit repair companies in Houston will challenge the credit bureaus for inaccuracies that negatively impact your credit.
Here's how it works:
- Sign up for a free consultation
Credit repair companies offer an initial online consultation or credit assessment to discuss your situation. It's usually free. - Professionals review your credit reports
Professionals will go through your credit reports to look for errors like inaccurate items, outdated entries, or transactions that don't belong to you. - Professionals send dispute letters for you
Credit repair companies will send a dispute letter to Equifax, Experian, and TransUnion to challenge these inaccurate items. - Wait for results
Credit bureaus have 30–45 days to investigate the dispute letter. Once the investigation is complete, they have another five business days to inform you of the results.
If your first dispute letter doesn't result in removal, you can request the company to re-dispute and send another letter. You can attach extra evidence to support your case.
Take note that the credit bureaus need another 30–50 days to review your second letter and provide results.
Houston Credit Repair State Law
According to Chapter 393 of the Texas Finance Code, credit repair companies in Houston should:[15]
- Register with the Texas Secretary of State before conducting business and pay the $100 fee
- Provide a $10,000 surety bond and keep it active for two years after the company ceases operations
- Provide a written contract, dated and signed
- State a clear notice of cancellation in the contract
- Return payment when the client cancels the contract within 3 days of contract signing
Additionally, Houston credit repair companies should abide by the rules set in the Credit Repair Organizations Act and Telemarketing Sales Rule.
This includes credit repair companies not being allowed to demand upfront payment from you or make misleading statements to represent their services.
Your contract should contain all relevant and true material information regarding the service.
Yes, credit repair is legal in Texas. But prospective companies that want to offer their services in Houston must comply with the Texas credit repair laws. Texas law mandates that these companies register and provide a security bond before commencing operations.
Is Houston Credit Repair Worth It?
Houston credit repair companies can be worth it if your credit reports contain many inaccuracies.
Because these companies have the expertise and knowledge needed for credit repair, you can increase your chances for successful disputes with their help.
That said, these services can start at $60, with first work fees costing you up to $195. If you only have a few errors to dispute, DIY may be a more practical option.
Knowing the potential costs upfront can help you determine whether credit repair is worth its price. Try the calculator below.
There is no definite timeline for repairing your credit score. It can take a few months to a few years to improve it. If you want to help speed up the process, try settling your debts on time and using other credit builders to add more positive items to your payment history.
Credit Repair Cost Calculator
To know how much your potential credit repair fees will be, follow the steps below.
- Input the first work fee (setup fee) of your chosen company.
- Input the monthly fee of your chosen package.
- Input the number of months you think you may need credit repair services.
- Click Calculate.
How to Do Credit Repair by Yourself
Credit repair services can cost a lot of money. If you want to repair your credit without paying for the services, you can simply follow the process of the credit repair companies.
Begin by getting your credit reports from AnnualCreditReport.com. Review the entries and transactions, then send dispute letters to the credit bureaus for the errors.
To maximize your efforts, you can improve your overall financial wellness by getting the best credit cards that align with your financial goals and responsibly increasing your total credit limit. You can also try to manage your money better every month.
How to Choose a Houston Credit Repair Company
Choosing a credit repair company is a significant decision. It involves committing to substantial fees and relying on professionals to help improve your credit.
Consider these factors in choosing a company:
- History and experience
Look for companies that have a proven track record. That way, it'll be easier to get the latest news and updates regarding the company's performance, legal compliance, and accreditations. - Testimonials and reviews
Online platforms like BBB, Google Reviews, and Trustpilot are your best friends. Search for comments, reviews, and ratings to gauge and assess the company you're eyeing. - Guarantee and refund policies
Not all companies offer a guarantee and refund policy. If you want the extra safety net for your payments, go for companies with money-back guarantee or satisfaction guarantee. - Website and online presence
Most things are online now. Search for the company's website, social media accounts, and verified profiles online. This way, you'll see the basic information and send inquiries before you decide to sign up for their service.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Our Methodology
We chose credit repair companies with more than 10 years of experience and continue to provide services to consumers. These companies have a track record for removing millions of items and helping thousands of clients in their years in the industry.
We also looked at the pricing structure and potential costs when you sign up, such as:
- First work fees
- Service fees
- Other charges
- Promos and discounts
All companies on the list have extensive websites with a large library of news, articles, and resources. Some even feature online tools to help you with your finances.
Lastly, we considered companies that have a significant number of reviews from clients and prospects. We browsed platforms like BBB, Trustpilot, and Google Reviews, and looked for social media profiles of these credit repair companies.
Bottom Line
You don't have to get stuck with poor credit. There are great credit repair companies in Houston that can help correct errors in your credit reports, leading to improved credit over time.
What's more, these companies have years of experience in the industry. Although, it can get very costly.
If you want a more hands-on approach, you can try repairing your credit by yourself first, then opt for these companies for more challenging errors.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
References
- ^ Lexington Law. Lexington Law - Home Page, Retrieved 11/11/2024
- ^ Lexington Law. About Lexington Law, Retrieved 11/11/2024
- ^ CFPB. Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V), Retrieved 01/14/2025
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ Credit Saint. About Credit Saint, Retrieved 11/11/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. Sky Blue Credit - Home Page, Retrieved 11/11/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. About Us, Retrieved 11/11/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. Unbeatable Satisfaction Guarantee, Retrieved 11/12/2024
- ^ The Credit People. The Credit People - Home Page, Retrieved 11/12/2024
- ^ The Credit People. Plans & Pricing, Retrieved 09/16/2024
- ^ The Credit People. FAQ: Is there a discount for couples?, Retrieved 11/01/2024
- ^ Texas Secretary of State. Frequently Asked Questions for Credit Services Organizations, Retrieved 11/14/2024
Alex Mambaje is a research analyst at CreditDonkey, a credit card comparison and reviews website. Write to Alex Mambaje at mambaje@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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