San Antonio Credit Repair
Found inaccuracies in your credit reports? Remove these errors with the top credit repair companies in San Antonio. Read on.
 |
The best San Antonio credit repair companies are:
- 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
Imagine the financial freedom to make life-changing decisions without poor credit holding you back. You could buy your dream car or first home with low-interest loans and more favorable terms.
Credit repair companies in San Antonio can help make it a reality by addressing errors pulling down your credit scores.
Keep scrolling to improve your credit in The Alamo City today.
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 San Antonio Credit Repair Companies
Navigating credit repair can be challenging, but these San Antonio companies make it easier. Discover their services below.
Lexington Law: Best Overall
If you're seeking a company in San Antonio with deep knowledge of credit repair laws, Lexington Law is a top contender.
Established in 2004, it has successfully sent over 221 million challenges to remove inaccurate, negative items for its clients.[1]
Their proven track record makes them a trusted choice.
Why We Like It:
Lexington Law offers Focus Tracks, providing you with tailored credit repair solutions in case of unexpected life events like divorce.
For example, divorcing your ex-spouse can be an emotional rollercoaster, with potential long-term impacts on your credit.
With the Divorce Focus Track, Lexington Law will assist you in sorting out shared accounts and challenge credit bureaus for you.
You can report old accounts you aren't responsible for anymore, and lessen the impact of transactions you didn't make.
Pricing & Fees:
Lexington Law offers only one premium credit repair package at $139.95/month.[2] 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:
|
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 is another reliable credit repair service, with a strong reputation built since 2004. It's even known as one of the most aggressive services in the United States.
Over the years, it has helped more than 200,000 clients address damaging errors in their credit reports.[3]
Why We Like It:
Credit Saint offers a 90-day money-back guarantee that other credit repair companies don't provide.
It stands out by giving you that extra layer of protection for your payments. So either you get questionable items off your credit reports within 90 days of enrollment, or you get your money back.
Your family members could benefit from Credit Saint, too! Sign them up with your account so their setup fees are waived.
Pricing & Fees:
Credit Saint offers three packages with the following features:[4]
| 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:
|
|
Sky Blue Credit: Best for Couples Pricing
If you're looking for a company with decades of experience, Sky Blue Credit is the answer. It's been offering credit repair services since 1989, and it's best for people with shared financial goals.[5]
Why We Like It:
Sky Blue Credit offers affordable couples pricing, saving you big on monthly fees when you sign up with another person.
All packages come with a 90-day satisfaction guarantee. You can request a refund if you're not satisfied with the service.
What's more, if you're planning to buy a home or refinance your current mortgage, Sky Blue Credit offers Mortgage Preparation. They will optimize your credit reports and guide you on this big financial move.
Pricing & Fees:
Sky Blue Credit offers the following features for each package:[6]
| 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:
|
|
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 combines credit repair with powerful credit-building tools to help improve your credit scores more effectively.
The company has helped over 1 million clients since it started in 2009, making it one of the best options to consider.[7]
Why We Like It:
The Credit Pros offers a Repair + Build Credit plan which features a $5,000 tradeline you can use to build your credit history. Use the tradeline to shop at NationalCreditDirect.com, then just settle your balance every month on time.
Additionally, for selected plans, The Credit Pros reports your monthly payments to the credit bureaus, adding more positive entries to your credit reports.
Pricing & Fees:
Here's what else you can get from them:[8]
| 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:
|
|
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 has helped over 100,000 clients since 2001.[9] It has helped remove over 1.4 million items from credit reports since then. And as a result, clients see their credit scores increase by 50–100+ points (on average).[10]
Why We Like It:
The Credit People stands out for its budget-friendly flat-rate plan: $599 for six months of premium features. This saves you nearly $20/month compared to the regular premium plan.
What's more, The Credit People offers a satisfaction guarantee for all plans—and it covers the entire duration of the flat-rate plan.
The best part? The Credit People charges one of the lowest setup fees in the industry at $19. You'll be charged the regular monthly fee after seven days.
Pricing & Fees:
You can choose between a flat-rate package and two regular monthly packages:[11]
| 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:
|
|
What is Credit Repair?
Credit repair refers to challenging the credit bureaus for inaccuracies in your credit reports—potentially removing them to improve your credit.
Typically, credit repair companies examine your credit reports for errors like inaccurate entries, outdated accounts, and unauthorized inquiries. Then, they send dispute letters to the credit bureaus to contest these inaccuracies.
That said, you can perform credit repair yourself! The Fair Credit Reporting Act allows you to request your credit reports and directly dispute any errors with the credit bureaus.
This is how the process works.
Credit Repair Process in San Antonio
Credit repair companies will send dispute letters to the credit bureaus after reviewing your credit reports for errors.
The step-by-step process includes:
- Sign up for a free consultation
Set up an initial online consultation or credit assessment with credit repair companies. They usually offer it for free! - Professionals review your credit reports
Professionals analyze your credit reports for inaccuracies like wrong details and outdated entries. They will also find accounts that aren't yours. - Professionals send dispute letters for you
Next, these companies will draft and send dispute letters to the credit bureaus to address the inaccuracies. - Wait for results
Credit bureaus have 30–45 days to investigate and assess your dispute letter. After the investigation, they have another five business days to let you know of the investigation results.
Sometimes, dispute letters don't lead to the removal of inaccurate items. If this happens, you can request your credit repair company to re-dispute and write another dispute letter. You can attach more evidence to support your case.
Note that if you choose to re-dispute any item, credit bureaus have another 30–50 days to investigate your second letter.
San Antonio Credit Repair State Law
San Antonio credit repair companies must follow Chapter 393 of the Texas Finance Code and do the following:[13]
- Register with the Texas Secretary of State and pay the $100 fee before commencing business
- Provide a $10,000 surety bond and keep it active for two years after the organization ceases operations in the state
- 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, San Antonio companies must comply with the Credit Repair Organizations Act and Telemarketing Sales Rule (TSR).
For instance, companies can't misrepresent their services or demand upfront fees from consumers. Contracts must clearly outline all fees, service details, and state your cancellation rights.
The TSR also prohibits the use of threats or obscene language when communicating with you. Companies must get your consent to call you and follow calling time restrictions (between 8:00 AM and 9:00 PM) in your time zone.
Yes, credit repair is legal in San Antonio, Texas. However, prospective companies that want to offer credit repair in San Antonio must comply with Texas credit repair laws. Texas law mandates that these companies register and provide a security bond before doing business in the city.
Is San Antonio Credit Repair Worth It?
San Antonio credit repair is worth it if you have plenty of inaccuracies affecting your credit. Successful disputes leading to removals require strategies and expertise.
Reputable credit repair companies boast a strong track record of successful removals. Investing in their services can boost your confidence in achieving positive results.
However, be prepared for the costs involved. Monthly fees typically start at $60, with initial setup fees reaching up to $195. If you only have a few items to dispute, it may be more cost-effective to DIY.
Understanding the costs can help you evaluate the worth of credit repair. Calculate potential fees you might spend on.
There's no definitive timeline for repairing your credit and boosting your score. It takes anywhere from a few months to several years to achieve an excellent credit score. To help improve your credit more speedily, you can pay off your debts on time and use credit builders.
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 Repair Your Credit by Yourself
Credit repair services can set you back a lot. If you want to save on expensive fees, you can be more hands-on and repair your credit by yourself. Just follow the process of San Antonio companies.
You can access your credit reports from AnnualCreditReport.com, then review them for inaccuracies. After that, you can write the dispute letters to challenge the credit bureaus.
If you want to improve your financial wellness, focus on managing your money effectively. Signing up for new credit cards can potentially help increase your total credit limit which may lower your credit utilization ratio if you keep your balances low.
How to Choose a San Antonio Credit Repair Company
To ensure successful credit repair in San Antonio, it's crucial to select the right company.
Choose wisely by considering the following aspects:
- 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
Time is money, and poor credit can cost you more in the long run. Fortunately, reputable credit repair companies can help you turn things around.
These seasoned professionals boast a proven track record of successfully removing inaccuracies. They'll communicate directly with credit bureaus and creditors on your behalf, saving you time and effort. However, these services often come with significant fees.
For a smarter strategy, tackle straightforward disputes yourself and rely on trusted professionals for the more complex issues. Taking these steps can put you on the path to excellent credit and a stronger financial future.
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. About Lexington Law, Retrieved 11/19/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ Credit Saint. About Credit Saint, Retrieved 11/19/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. Sky Blue Credit - Home Page, Retrieved 11/19/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. About Us, Retrieved 11/19/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. The Credit People In A Nutshell, Retrieved 11/20/2024
- ^ The Credit People. The Credit People - Home Page, Retrieved 11/20/2024
- ^ 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 11/20/2024
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.
|
|
| ||||||
|
|
|
