It’s up to the creditors to decide if they grant the adjustment, but it’s worth a try. Because you’re trying to drown out your negative marks with positive information, it’s crucial that you make your payments on time. DeLiberty advises that you try to “piggyback” off a closer friend or family member’s credit account as an authorized user. “You want to be added to an account with a perfect payment history, a long history, and a high limit,” he says. If you’ve damaged your score in the past, the best thing you can do is wait for those marks to age off your credit report while you build positive credit on top of the negative information. But not every credit repair company is a viable option — in fact, some should be avoided like the plague.

We would be happy to make the connection with our partners for you. Typically, any business we refer you to will be our Preferred Partner and have been vetted by us. We trust them to provide the highest level of service complimentary to the service The Phenix Group provides to our consumers. Resolving our clients’ challenges and providing them with the stepping stones necessary for realizing their goals is the pulse that keeps our company beating. From debt settlement to loan consolidation to charge offs, The Phenix Group is ready to help you improve your credit and lifestyle today.

Should you choose to move forward, your attorney will gather some personal details and then pull your credit report at no cost. With so many services available, finding one that’s both reputable and effective is important. That’s why we’ve reviewed and ranked the 6 best credit repair companies in Texas for 2025. Whether recovering from debt or planning a big financial move, these trusted providers can help you take control. The downside is that Dovly lacks all the guarantees that the other companies on this list provide, such as a money-back guarantee.

Did you know nearly every single “Big-Box Credit Repair Company Competitor” uses cheap, weak, & ineffective electronic disputes that you can do for FREE on Credit Karma? Credit repair companies may promise to remove late payments—but they have no more power th… Credit counseling, debt relief, debt consolidation, and credit repair are all different services. BBB recommends thorough research before deciding which is the best solution.

How Much Does Credit Repair Cost?

All plans include TransUnion credit monitoring and some degree of identity theft protection, though both services are available free or cheaply elsewhere. As one of the best credit repair companies, Credit Glory has top ratings from users, with a TrustPilot review rating of 4.5 out of 5 stars. Most reviewers said the Credit Glory process was explained and easy to navigate, which is crucial in credit repair. However, their services can be expensive, especially if it takes several months to accomplish your objectives. What’s more, you can do anything that a credit repair organization can do free of charge.

Some experts advise using no more than 30 percent of your total credit limit – while others say you should use less than 10 percent. In a debt negotiation plan, a credit counseling agency works with your creditors to negotiate terms with your creditor, such as lower interest rates or lower monthly payments in exchange for a longer payment term. A credit repair company exclusively offers inaccuracy mitigation in your credit report. With credit counseling, a professional will work with you to get a grip on your finances. When you apply for new credit, lenders perform a hard inquiry on your credit report. One hard inquiry will only lower your score by a few points, but multiple inquiries will have a compounding effect.

Can Piggybacking Credit Help Me Get A Mortgage?

You can do this by reaching out to the relevant credit bureau to have your credit history cleaned up. Provide documentation supporting your claim, such as proof of payment or identity theft reports. The bureau must investigate your dispute within 30 days and remove any inaccurate information. If you feel entirely overwhelmed by your credit issues and you know you need third-party help to get organized and figure out your next steps, reaching out for help may be worthwhile. However, there are free resources available that you might consider before looking to a credit repair company. Credit repair companies dispute errors on your credit reports by filing formal complaints on your behalf.

Houston Credit Repair Networking

Eligible consumers were identified as customers of CreditRepair.com and Lexington Law who were illegally charged upfront fees or were subjected to allegedly deceptive advertising. See our full breakdown of how we rate credit repair companies. Take the reins of your financial journey with CreditDIY, a personalized credit repair solution crafted for those aiming to address credit challenges independently. Our platform equips you with innovative tools and a straightforward approach, eliminating complexity and guesswork. Each week our editorial team keeps you up with the latest financial news, shares reading recommendations, and provides useful tips on how to make, save and grow your money. You should know your rights before you contact any credit repair company.

At the same time, you’ll work on paying down debt, lowering credit card balances, and making on-time payments—all of which help improve your score. Traditional services often burden you with pay-per-deletion fees, adding up quickly with each item removed. With CoolCredit, you avoid those costs, gaining access to comprehensive tools and AI assistance at an affordable price for all your credit repair and boosting needs.

Credit bureaus do not gather data about race, religion, medical history, sexual orientation, political affiliation, criminal record or any other information that is unrelated to credit. We offer the most efficient credit repair services and experienced credit repair experts to handle your credit report. Not only do we have a most successful track record of helping residents of Miami FL fix their credit, but we also average the highest gains in credit scores achieved per customer. As the trusted credit repair company in Houston, Texas, it is important for us to know the story behind your bad credit. We want to make sure that when we dispute issues on your credit reports, fairness, accuracy and full substantiation are upheld by the credit bureaus.

This means you may be able to do more than you would with other companies. That could be a problem for some people, but remember that the process is designed to be educational and give you the tools to help yourself in the future. Sky Blue clearly believes that their program will satisfy their clients.

Unlike other companies, it includes credit monitoring for no additional charge. Plus, it offers a free consultation to help you decide whether it’s a good fit. It’s pricier than other options, but if you don’t see items removed from your credit reports from Equifax, TransUnion or Experian within 90 days, you’ll get a full refund of anything you’ve spent up to that point.

Request credit reports from the main three credit bureaus — Experian, Equifax and TransUnion — and verify that the information is accurate. Check for discrepancies with your name, address and other personal info, as well as with account details (like balances, credit limit and payment history) and anything sent to a collection agency. If you find any errors on your credit report, start a dispute as soon as possible. See firsthand the transformation of your credit scores from all three credit reports.

By law, credit repair companies are required to accept payment only after services have been provided. Any credit repair companies that charge a substantial fee upfront are likely scams. The Federal Trade Commission (FTC) says these companies will accept your payment but never lower or settle the customer’s debts in any way.