Texas Credit Repair
Is poor credit holding you back? These Texas credit repair companies could help rebuild your credit.
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To get the best Texas credit repair services, you can go to:
- 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
In 2023, the average credit score in Texas was 695 — one of the lowest FICO scores
out of the 50 states.[1]
While it's not a poor credit score, it won't get you the lowest-interest loans or premium credit cards in Texas. Plus, people with higher credit scores get better financial products than you.
In this guide, discover the top Texas credit repair companies and how they can help improve your credit.
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 Texas Credit Repair Companies
Here are the leading credit repair companies serving Texans. Start with a free consultation to assess your credit situation and explore how they can help improve your score.
Lexington Law: Best Overall
Lexington Law is a law firm offering credit repair services founded in 2004. In 2023, it removed over 2 million inaccurate, negative items for thousands of clients.[2]
Lexington has an office in Midland, Texas, which is open from 07:00AM to 10:00PM.
Pricing & Fees:
Lexington Law offers only one premium credit repair package at $139.95/month.[3] 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 five 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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In 2023, the Consumer Financial Protection Bureau proposed a settlement with Lexington Law. They were imposed with a $2.7 billion judgment for collecting fees upfront and violating telemarketing practices.[4][5]
Why we like it:
Lexington Law offers Focus Tracks — tailored credit repair strategies and interventions for events like divorce, medical debt, or identity theft.
For example, with the Divorce Focus Track, advisors will assist you in navigating accounts with your ex-spouse. Lawyers will challenge inaccurate, negative items that impact your credit and advise you on the new boundaries set by your divorce decree.
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 one of the most aggressive companies that have been offering credit repair services for over 19 years. It has helped over 200,000 clients improve their credit reports.
Credit Saint maintains a solid track record and offers a 90-day money-back guarantee to support this. So, if nothing was removed from your credit reports within 90 days from the start of your service, you can request a refund for your payments.
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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Why we like it:
With Credit Saint, you can request a refund if you don't get results within three months of your service. Not all companies feature a money-back guarantee or refund policy like that for their clients.
Additionally, Credit Saint doesn't charge a first work fee for additional members who sign up in your account. That way, you get to save on first work fees.
Sky Blue Credit: Best for Couples Pricing
Sky Blue Credit is one of the first pioneer companies in credit repair. It has been in the industry since 1989 and continues to offer credit repair services around the United States.
Sky Blue Credit offers three packages. You receive a discount on the monthly fee if you sign up with another member, making Sky Blue Credit cheaper than other services.
Pricing & Fees:
Sky Blue Credit offers the following features for each package:[7]
| 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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Why we like it:
Sky Blue Credit is one of the cheapest options with its couples pricing. You get a significant monthly discount if you sign up with another member.
Sky Blue Credit also specializes in Mortgage Preparation. If you're applying for a home loan or looking to refinance your mortgage, Sky Blue Credit can optimize your credit reports to help you prepare for this big purchase.
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
Credit repair and credit building may fast-track your credit improvements and help you achieve optimal credit. Luckily, The Credit Pros offers both in its plans.
The Credit Pros reports your payments if you sign up with the Build Credit plan and Repair + Build Credit plan. This is one way to add positive, on-time payments that can boost your payment history.
With the Repair + Build Credit plan, you get a $5,000 tradeline you can use to make purchases in National Credit Direct. This allows you to build your credit while The Credit Pros disputes credit bureaus to remove negative items impacting your credit.
After shopping in National Credit Direct, you need to settle your monthly balances on time. That way, you add more positive items to your credit report and your credit score gradually improves.
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:
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Why we like it:
The Credit Pros offers a way to repair your credit and rebuild it simultaneously by reporting your payments and featuring the $5,000 tradeline.
On top of that, The Credit Pros offers several identity monitoring and credit monitoring features. This helps prevent identity theft from severely dragging your credit without your knowledge. With other companies, you may need to spend extra.
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 been in the industry since 2001. It has helped over 100,000 clients increase their credit scores by around 50 to 100 points.[9]
The Credit People is the only company with flat-rate pricing — $599 for 6 months of service. For almost $100/month, you get the premium plan and save almost $20/month compared to getting the regular premium plan.
Pricing & Fees:
You can choose between a flat-rate package and two regular monthly packages:[10]
| 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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Why we like it:
If you choose the flat-rate package, The Credit People's satisfaction guarantee stretches the entire 6 months. Plus, you get a refund if you're unsatisfied with the service.
Additionally, while many credit repair companies charge high first work fees (sometimes higher than the monthly fees), that's not the case for The Credit People. You only need to pay $19 and if you like the service, you'll be charged your fee after the first seven days.
Credit Repair Process in Texas
Texas credit repair companies will review your credit reports and challenge the credit bureaus for inaccurate items for removal.
Process:
- Sign up for a free consulation
Credit repair companies will pull your credit reports and discuss your credit. They may also ask you to set up an online account if you sign up for a package. - Review credit reports
Professionals will analyze your credit reports for inaccurate items, outdated items, or accounts that don't belong to you. - Send dispute letters
Your credit repair company will send dispute letters to the credit bureaus for items in question.Learn effective ways to remove items from your credit report
Read our guides and discover methods to remove your collections, late payments, or inquiries from your credit reports. - Wait for results
Credit bureaus have 30 to 45 days for investigation. Once the credit bureaus complete their investigation, they have five business days to inform you of the results.[12]
Most credit repair companies can re-dispute if the first round of dispute doesn't result in a removal. However, it will be a new cycle and you'll need to wait another 30 to 50 days for the results.
There's no quick-fix to repair your credit. If you go for credit repair companies, you must allow 30 to 50 days for each dispute. You can try making more on-time payments for your debts, using credit builders, and building better financial habits.
Texas Credit Repair Laws
According to Chapter 393 of the Texas Finance Code, Texas credit repair companies should:[13]
- Register with the Texas Secretary of State and pay the registration fee of $100 before conducting business in-state.
- Provide a $10,000 surety bond per location.
- Provide a contract — written, dated, and signed by the client.
- State a clear notice of cancellation in the contract.
- Return payment when the client cancels the contract within 3 days of contract signing.
To add, all credit repair companies should follow the Credit Repair Organizations Act and Telemarketing Sales Rule.
This means that all credit repair companies in the U.S. are prohibited from using deceptive and abusive practices in telemarketing their services. They are also not allowed to demand upfront payments or misrepresent their services.
Yes, credit repair is legal in Texas. However, prospective companies who plan to offer credit repair services in Texas must comply with state laws. The state of Texas requires registration and a security deposit before doing business.
Now you know the laws for Texas credit repair companies, here are some factors you should consider when choosing a company.
How to Choose a Texas Credit Repair Company
When choosing credit repair services in Texas, assess the following:
- 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 had a significant number of reviews from clients and prospects. We browsed platforms like BBB, Trustpilot, and Google Reviews, and look for social media profiles of these credit repair companies.
Bottom Line
Having poor credit isn't the end of the world. The Texas credit repair companies on the list have the experience and expertise to challenge the credit bureaus and correspond with your creditors.
However, with reliable service comes the hefty price tags. So, if you have fewer negative items on your credit reports, it may be better to do credit repair on your own or try a credit builder.
Whether you choose a company or go DIY, know that federal and Texas laws protect your rights as a consumer.
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
- ^ Experian. What Is the Average Credit Score in the US?, Retrieved 09/15/2024
- ^ Lexington Law. Lexington Law - Home Page, Retrieved 09/15/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ CFPB. Consumer Financial Protection Bureau Files Suit Against Lexington Law, PGX Holdings, and Related Entities, Retrieved 09/16/2024
- ^ CFPB. CFPB Reaches Multibillion Dollar Settlement with Credit Repair Conglomerate, Retrieved 09/16/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. Company Overview, Retrieved 09/15/2024
- ^ The Credit People. Plans & Pricing, Retrieved 09/16/2024
- ^ The Credit People. FAQ: IS there a discount for couples?, Retrieved 11/01/2024
- ^ CFPB. If a credit reporting error is corrected, how long will it take before I find out the results?, Retrieved 11/24/2024
- ^ Texas Secretary of State. Frequently Asked Questions for Credit Services Organizations, Retrieved 09/16/2024
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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