To keep our resources 100% free, TheCreditReview.com attempts to partner with some of the companies listed on this page, and may receive marketing compensation in exchange for clicks and calls from our site. Compensation can impact the location and order in which such companies appear on this page. All such location, order and company ratings are subject to change based on editorial decisions. Ultimately, the art of credit repair lies not in paying for shortcuts but in understanding the system, asserting your legal rights, and taking control of your financial future.

State-by-state Distribution Of Lexington Law And Creditrepaircom Payments

Credit Pros is going to be more expensive than CreditRepair.com, and both companies offer comparable services. CreditRepair.com has a first work fee as well, but since their monthly fee is cheaper, they will still be less expensive than Credit Pros. We scored Houston credit repair companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best. If you’re ready to take the first step, consider working with a trusted credit repair company that can guide you toward a stronger financial future in 2025 and beyond.

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Rise Again Credit Solutions owner Cecilia Campos is a former credit repair specialist for a Houston-based law office. She volunteers as a team lead for the non-profit organization Elijah Rising. Credit Fix Now is a Los Angeles-based agency offering free credit repair services.

No, credit repair agencies cannot legally remove accurately reported negative information from your credit reports. Information like late payments and accurate account histories will remain on your report for the appropriate time, typically up to seven years. However, while there are legitimate organizations that can help you fix errors in your credit report, many bad actors advertise credit repair services to defraud customers.

Its credit specialists assist in identifying inaccurate credit report items and submit disputes to the credit bureaus for their removal. They also conduct consultations to set clients’ credit goals, offer a pay-per-delete program, and provide credit building and student loan assistance. Founder Tempestt Luckett dealt with bad credit herself in 2014 and established Classy Credit Repair Services after accomplishing her credit goals.

The first step is to request a copy of your credit reports from each of the three bureaus. ” creditrepair can look very different from your TransUnion credit report, which can look very different from your Equifax credit report,” Schulz says. “When you go to borrow money, you don’t necessarily know which of these three credit reports that lender is going to see.” Eligible consumers harmed by Lexington Law, CreditRepair.com, and their parent companies will be sent a payment in the coming weeks. Details about the distribution are available at cfpb.gov/payments/lexlaw.

By law, you can receive one free credit report from each major credit bureau every year by visiting annualcreditreport.com. Last year, all three major credit bureaus permanently extended a program that allows you to get your credit report for free once a week. Credit repair services are best used by those with poor or fair credit scores – people with above-average FICO scores are unlikely to see a huge change. For the Direct Package or most basic package, you’ll pay an upfront first work fee of $69 and a per-month fee of $69. This entitles you to unlimited credit bureau challenges, inquiry assists, goodwill interventions, and quarterly credit score updates. For a deeper credit repair service, you might go for the Concord Premier at $109.95 per month.

Life Wisdom partners with SmartCredit, a credit monitoring company that offers interactive credit reports accessible through a mobile app. Founded in 2004, Impeccable Credit Services is a credit repair agency in Houston that focuses on improving credit scores and the financial health of individuals and businesses. The credit specialists on staff dispute negative and unverifiable items they find on clients’ credit reports.

How Long Does It Take To Improve Your Fico Scores?

With Pyramid, you can expect what their credit pros call a “rigorous” challenge process aimed at scrutinizing inaccurate or erroneous data on your credit reports. The credit sources would then be held accountable for their misrepresentations. The basic, no-frills repair plan includes unlimited disputes of negative items on your credit report and communicating with your lenders. After the initial fee, The Credit People will provide you with a personal online dashboard and load the data from all three main credit reporting bureaus, Equifax, Esperion, and TransUnion.

If it was one of your first cards, it could also lower your average credit history. If you have a family member or friend who has good credit, consider asking them to add you as an authorized user on one of their credit card accounts. Once your authorized-user status is reported to the credit bureaus, the entire history of the account will be added to your credit reports.

Most companies take years to accomplish what we can in just a few short months. Certain negative items, including bankruptcies and judgments, are difficult, if not impossible, to remove. Last but by no means least is the Advanced Credit Repair Package at $119.95 per month with an initial first work fee of the same amount.

Do you have late payments or accounts turned over to collection agencies? Perhaps you’re new to credit and the accounts on your report are young. Clearone Credit Solutions is a local credit repair and restoration firm that serves individuals in Houston and the surrounding areas. Its English- and Spanish-speaking credit counselors assist clients in improving their credit scores by legally disputing and challenging inaccurate, erroneous, and obsolete information from credit profiles. Clients are also able to access their accounts online for real-time updates regarding their credit reports and scores. Additionally, the company offers credit audits and education to help individuals build and maintain their improved credit scores.

Attorneys general are responsible for enforcing consumer protection laws in their state. If you’ve been scammed by a company offering credit repair services, consider filing a complaint with your state’s attorney general. There are several ways you can improve your credit score, including making on-time payments, paying down balances, avoiding unnecessary debt and more. But depending on your unique situation, it can be difficult to know where to start. Whatever the case, you’re now facing the challenge of fixing a “bad” credit score.

Stay consistent, and your credit score can transform—opening doors to better loan terms, lower interest rates, and greater financial freedom. Positive payment history accounts for 35% of your FICO score, making it the most powerful factor in your recovery. The payments are calculated based on a pro-rata share of the fees you paid to CreditRepair.com and Lexington Law. The amount you receive, however, may not cover all of the fees you paid. Even so, it’s possible to see improvement in your scores within 30 to 45 days after you start taking positive steps—that’s according to Equifax and credit-scoring model VantageScore. It may help to know that most things won’t impact your scores forever.

According to the Fair Credit Reporting Act (FCRA), genuine late payments can stay on your credit report for 7 years following the initial date of delinquency. Just as a house or a car is repaired by replacing bad areas, credit repair is removing mistaken, unverified, or erroneous entries on your credit reports. The company offers credit repair packages unique to your credit situation, with no hidden fees. The company’s most basic plan is their Credit Polish program, which includes error disputes to all three bureaus, score analysis, credit interventions, and a credit score tracker.

However, it’s important to be vigilant and watch out for the potential signs of a credit repair scam. Attorney general offices have the authority to take action against predatory credit repair companies. Filing a complaint helps them build a case against scammers and take actions such as fining the company or even shutting it down.