Best “Credit Repair Near Me” Companies In Texas

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Author : Chris Morgan
Updated on : August 3rd, 2021

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90 Days Money Back Guarantee

If you’re just looking for our number one pick, then it’s Credit Saint. With a 90-day money-back guarantee, an A+ rating from the BBB, and fast customer service, Credit Saint is the best option.

Texas is known for many things, but unfortunately, high credit scores aren’t one of them. According to 2020 data from Experian, the average FICO score in Texas was 688--fourth lowest in the US.

This may not seem too bad on the surface, since a score of 680 and above is generally considered “good” on the FICO scale. However, a detailed 2018 report from the Federal Reserve Bank of Dallas featured some other eye-opening statistics:

  • Only 55.4% of Texans had a credit score above 680.
  • 15.1% of Texans had a credit score between 550 and 619.
  • 13.4% of Texans had a credit score below 550.

What is causing these lower scores? Another report on credit card debt in Texas by LendingTree offers some good insights:

  • The average credit cardholder in Texas has $6,999 in credit card debt. This is the eighth highest in the US.
  • 7.2% of Texas cardholders are at least 30 days late with a credit card payment. The national average is 6.4%.
  • The average credit card utilization rate inTexas is 41.8%. This is the eleventh highest in the US.

Texas ranks near the bottom for both late payments and credit utilization rates, both of which have a large negative impact on credit scores. It’s no wonder that scores in Texas are lower across the board.

Additionally, the same report from LendingTree looked into the different metropolitan areas in Texas:

  • The four major metropolitan areas in Texas also have the highest amount of average credit card debt. They are Houston ($7,483), Austin ($7,306), San Antonio ($7,237), and Dallas ($7,156).
  • Smaller metropolitan areas in Texas tend to have higher credit card utilization rates. Beaumont has a ridiculous average utilization rate of 57.10%. The national average is 37.70% (which is still too high).

Thus, all Texas metropolitan areas large and small have a decent percentage of people who are struggling with credit. The good news is that this can all be fixed!

Many Texans find themselves looking to local credit repair services to improve their scores. However, with so many credit repair agencies in Texas, how do you know which ones are legitimate and worth hiring?

In this post, we’ve compiled a list of the best credit repair companies serving Texas, both online and local. We’ve included top selections from as many metropolitan areas as possible. If you’re in Texas and looking to fix your credit, this is the article for you.

Is Credit Repair Legal In Texas?

Yes, credit repair is legal in Texas. However, since credit repair agencies in Texas know that it’s a good market for business due to the lower credit score numbers we saw earlier, it’s possible that some are out there just to scam clients.

Always remember that any credit repair agency in the US needs to abide by the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). In addition, Credit Services Organizations (CSOs) need to register with the Texas Secretary of State before conducting business.

We’ll list out reputable credit repair agencies and discuss how to identify scams later in the article.

How Does Credit Repair In Texas Work?

In Texas, reputable credit repair companies will follow the usual three-step process:

  • Free consultation: You’ll sit down with a representative, discuss your credit reports, and how the company can help you fix your credit.
  • Dispute errors on your behalf: Upon paying for repair services, the company will dispute credit reporting errors on your behalf to the three main credit bureaus.
  • Recommendations going forward: Once errors are removed from your report, the company may suggest good credit practices to maintain your score going forward.

Some companies may have slight variations of this procedure, which we’ll discuss individually later. We cover more details about how credit repair companies work in this article.

Best Credit Repair Services In Texas

If you live in Texas, here are the best credit repair companies for you. These first three companies conduct their business mostly online, and they do accept clients in the state of Texas.

Credit Saint

Credit Saint Logo

Since 2004, Credit Saint has consistently been one of the top choices in the credit repair industry. Having achieved an BBB rating of A or higher since 2007, Credit Saint is our top recommendation for Texans.

The most successful clients with Credit Saint have seen credit score increases of 50, 100, and possibly more. Results depend on many factors, but it is possible for you to see such results as well. You can get a better sense of how much improvement is possible with a free credit report analysis offered in Credit saint’s free consultation.

Credit Saint offers a few other key advantages that few of their competitors can match. For starters, there is the 90 day money back guarantee, perhaps the longest you’ll find out of any credit repair agency. Since Credit Saint disputes claims on 45-day cycles, this allows two full cycles for you to try out Credit Saint’s services while still being eligible for the refund.

We also recommend Credit Saint because of the following:

  • Reasonable Prices
  • Flexible Cancellation
  • Efficient and Transparent 45 Day Dispute Cycles
  • Private Dashboard
  • Highly Rated on BBB, Good Track Record
  • No Fees When Requesting Credit Reports

For more information, check out our full review of Credit Saint.

Lexington Law

Lexington Law Logo

Lexington Law is another hugely successful and popular credit repair agency. Since 2004, they have helped their clients dispute over 220 million items.

While Lexington Law is based in Utah and Arizona, they do accept clients in Texas. As with Credit Saint, successful Lexington Law clients have seen incorrect negative credit history repaired and their credit scores significantly increased.

One of Lexington Law’s best competitive advantages is their focus on hiring staff with verified legal experience. It’s hard to verify credentials of many self-proclaimed credit repair professionals out there, but this is not an issue with Lexington Law. All of their attorneys have previous paralegal experience or a background in law from university.

Here are some other reasons to consider Lexington Law:

  • More Personalized Attention
  • Reasonable Pricing
  • Offers Mobile App
  • Many Resources On General Credit Improvement
  • Flexible Customer Service Hours

We go into more detail in our full review of Lexington Law.

Credit Repair Logo is another solid option for Texans looking for credit repair. While they have not been in business as long as Credit Saint or Lexington Law, they have still successfully removed 1.8 million items from credit reports since 2012.

Many of these items are high-impact hard inquiries or accounts that can have a long-lasting negative effect on your score. As a result of removing them, many clients see significant score increases. is a popular choice for many because they focus on explaining credit and the repair process to clients. Their website features a credit education tab with a wealth of information on how to build and improve credit. All of these resources are updated frequently. is also a great choice for the following reasons:

  • Ongoing Credit Education and Support
  • Simple Process: Check, Challenge, Change.
  • Reasonable Pricing
  • Offers Mobile App

Credit Repair Offices Near Me In Texas

Credit Saint, Lexington Law, and are proven companies that have consistently brought clients good results. For this reason, we highly recommend them as our top three credit repair choices for Texans.

However, as these are online services, we understand you may prefer an in-person experience to discuss a topic like credit repair. If you prefer going to a local office in Texas, we have you covered. Here is a directory of the best local credit repair agencies in Texas listed in alphabetical order.

700 Plus Credit (Houston)

700 Plus Credit Logo

700 Plus Credit is a credit repair agency based in Houston. Among 398 Google reviews, 700 Plus Credit has an average rating of 4.3 out of 5. We like that 700 Plus Credit’s repair philosophy is broken into three main parts:

  • Repair Your Past: After a free initial consultation, 700 Plus Credit will dispute negative items on your behalf with all three credit bureaus.
  • Monitor Your Present: 700 Plus Credit not only provides 24/7 monitoring services, but also offers advice on how changes to your credit report can affect your score.
  • Build Your Future: 700 Plus Credit also has a focus on credit education. This is important for building healthy credit habits to maintain a high score moving forward.

A focus on education is always a good sign for a credit repair company. It shows that even after the credit repair process, the company can still offer value through credit counseling and guidance.

In addition, 700 Plus Credit is consistently ranked among the top credit repair agencies in Houston as well as all of Texas.

Contact Information:

  • Address: 2616 S. Loop W. Suite 435 Houston, TX 77054
  • Phone: (713) 661-5505
  • Email:

ASAP Credit Repair (Houston)

ASAP Credit Repair Logo

ASAP Credit Repair serves clients from all over the country but has an office based in Houston. They are one of the most highly rated credit repair and counseling services in Texas: among 1,236 Google reviews, they have an average rating of 4.9 out of 5.

ASAP Credit Repair recognizes that in the credit world, knowledge is power. From the initial free consultation, they will evaluate your credit reports and educate you on what you need to do to improve your score. In fact, they make this so simple that they break it down into 3 key things that you need to do to maintain an excellent credit score.

In addition, soon-to-be homebuyers can benefit a lot from ASAP Credit Repair’s services. That’s because they have connections with over 300 different mortgage lenders across the country. This can help you secure better loan terms on a future mortgage.

Contact Information:

  • Address: 1880 S Dairy Ashford Rd #425, Houston, TX 77077
  • Phone: (713) 927-9979
  • Email:

Best Texas Credit Pros (Fort Worth)

Best Texas Credit Pros Logo

Best Texas Credit Pros is a top-rated credit repair agency based in Fort Worth, though they do serve all of Texas. Among 60 Google reviews, Best Texas Credit Pros has an average rating of 4.9 out of 5.

Best Texas Credit Pros is known for quick results--in fact, they claim you’ll be able to start seeing results within 45 days of service. They do this with a thorough credit report analysis, disputing errors, and positive credit building.

We like that Best Texas Credit Pros provides guidance on building positive credit. Agencies that focus on this tend to have clients that see better results in the long-term. In addition, customers will get access to a cloud portal where they can track progress on their case from start to finish.

Best Texas Credit Pros is also fully bonded and licensed in Texas. On their website, they claim to have seen score increases of up to 150-200 points following the removal of inaccurate items. A look at their reviews would indicate that many Texans were happy with their services.

Contact Information:

  • Address: 1751 River Run Ste 200, Fort Worth, TX 76107
  • Phone: (817) 668-7797
  • Email:

Blue Water Credit (Dallas)

Blue Water Credit Logo

Blue Water Credit is a credit repair company chain with offices all around the country. Their Texas office is located in Dallas. Among 258 Google reviews, Blue Water Credit has an average rating of 4.9 out of 5.

Trusted by real estate agents, mortgage lenders, financial planners, and car dealerships, Blue Water Credit is one of the nation’s premier credit repair agencies. Blue Water Credit is well-aware of the state of credit in Texas, and has helped countless Texans get their credit back on track.

What’s most unique about Blue Water Credit is that they have debt settlement solutions in addition to credit repair. If you happen to have debt that seems impossible to pay off, Blue Water Credit can help settle them. In most scenarios, Blue Water Credit will not only settle the debt, but also settle the account for deletion as that is usually best for your credit score.

Contact Information:

  • Address: 2351 W Northwest Hwy Dallas, TX 75220
  • Phone: (877) 577-7496
  • Email:

Credit Glory (Houston)

Credit Glory Logo

Credit Glory is another agency with offices around the country. Their hub in the Houston metropolitan area also primarily serves customers in Sugar Land, Pasadena, Pearland, and The Woodlands. Among 31 Google reviews, Credit Glory has an average rating of 4.4 out of 5.

Credit Glory has successfully helped thousands of people fix their credit and secure better loan terms on mortgages and auto loans. Together with a huge collection of free resources on their General Education tab, many clients are able to see decent score increases after a few months of service.

One of the most attractive features of Credit Glory is their 90 day money back guarantee, which matches the guarantee of our top recommendation, Credit Saint. However, note that in the event of a refund, Credit Glory will still retain $100 of the setup fee.

Contact Information:

  • Address: 5850 San Felipe St #500, Houston, TX 77057
  • Phone: (855) 938-3044

Credit Restoration Of Texas (San Antonio)

Credit Restoration Of Texas Logo-2

Credit Restoration Of Texas has over 10 years of experience in credit repair in the San Antonio area. Among 84 Google Reviews, Credit Restoration Of Texas has an average rating of 4.9 out of 5.

Credit Restoration Of Texas is a relatively smaller firm that has helped over 5,000 customers since 2007. This means that most clients get more personalized attention to their case.

In addition, Credit Restoration Of Texas has a very unique and generous refund policy. After 6 months, if they have not deleted or improved at least 35% of possible deletions/improvements, they will refund all payments made!

Contact Information:

  • Address: 4203 Gardendale c101, San Antonio, TX 78229
  • Phone: (210) 248-9061
  • Email:

MSI Credit Solutions (Dallas)

MSI Credit Solutions Logo

MSI Credit Solutions is one of the most highly-rated agencies in all of Texas, and serves primarily the Dallas metropolitan area. Among 796 Google reviews, they have an average rating of 4.8 out of 5.

MSI Credit Solutions has a page on their site dedicated to showing the before and after of their clients’ credit scores. They guarantee a 50 total point increase, or else you’re entitled to a full refund.

Pricing at MSI Credit Solutions can get complicated. They have a monthly service investment fee of $98, along with an initial setup fee of at least $30 that depends on your current credit situation. We’re not fans of this lack of transparency, but MSI Credit Solutions claims this is to better help them customize their services for your needs.

Contact Information:

  • Address: 12750 Merit Dr #400, Dallas, TX 75251
  • Phone: (866) 217-9841
  • Email:

Texas Best Credit Repair (State Wide)

Texas Best Credit Repair Logo-2

Texas Best Credit Repair is a firm with offices in Pflugerville, Austin, Dallas, Houston, and San Antonio. They primarily work with clients who are trying to secure a good deal on real estate loans. Among 55 Google reviews for their Austin office, they have an average rating of 4.3 out of 5.

The end goal of Texas Best Credit Repair is to get you approved for a home loan. The staff has a combined 30 years of real estate experience in addition to credit repair, so they know the Texas real estate markets inside out. This is the best choice for upcoming homebuyers.

Along with traditional credit repair methods, Texas Best Credit Repair delivers personalized credit coaching to encourage you to build up your own positive credit. This is especially important when applying for a mortgage, as lenders will want to see proof of past payments made in full and on time.

Contact Information:

  • Address: 2028 East Ben White Blvd. Suite 2407700, Austin, TX, 78741
  • Phone: (512) 308-6000
  • Email:

The Phenix Group (Fort Worth)

The Phenix Group Logo

The Phenix Group is another highly-rated credit repair service with offices in Dallas, Austin, and Fort Worth. Among 177 Google reviews for their Fort Worth office, they have a perfect 5 out of 5 average rating.

Whether your ultimate goal is a home loan or business financing, The Phenix Group has a network of trusted professionals which they can refer you to for the best deals in addition to credit repair. Having these connections is a competitive advantage that few other local agencies can offer.

In addition, credit repair professionals at The Phenix Group work with attorneys. This holds creditors and other companies who have left errors on your credit report accountable to the law. This discourages them from making incorrect reports in the future. Thus, it’s much less likely for you to see removals pop up again.

Contact Information:

  • Address: 5601 Bridge St STE 300, Fort Worth, TX 76112
  • Phone: (682) 710-2011
  • Email:

White Jacobs & Associates (Plano)

White Jacobs and Associates Logo-2

White Jacobs & Associates has many locations across the country. Their Texas headquarters is based in Plano and has one of the more aggressive approaches to credit repair. So far, it appears to have worked: among 549 Google reviews, they have an average rating of 4.8 out of 5.

Like with The Phenix Group, White Jacobs & Associates also audits creditors to discourage them from further misreporting. They do so through four rounds of letters with which they document in great detail on their site.

Moreover, White Jacobs & Associates is unique in that they advertise a maximum service period of 6 months. Usually, firms will encourage 6 months in order to see full results, but White Jacobs & Associates is so confident in their services that they cap you at 6 months maximum.

Contact Information:

  • Address: 200 Chisholm Pl #250, Plano, TX 75075
  • Phone: (972) 231-0452

Which Credit Repair Service Should I Pick?

Having listed 3 of our top recommendations as well as 10 highly-rated local offices, you might be wondering which credit repair service you should pick.

Realize that you may not find the best fit on your first call. That’s why all of these companies offer free consultations for you to get to know their services in more detail. We highly encourage you to make multiple calls, shop around, and take advantage of these free consultations.

However, as we’ve mentioned, some services may suit you better than others. Offices such as The Phenix Group, ASAP Credit Repair, and Texas Best Credit Repair are solid choices for those looking to get a mortgage soon. Blue Water Credit can be good for those that need debt settlement. Credit Restoration Of Texas and Credit Glory are great if you need extra insurance to get into credit repair due to their more generous refund policies.

Location may also play a factor. Credit repair is naturally a very sensitive subject. Some may like the convenience of choosing a local office nearest them, but you might prefer going further away to minimize the chances of you running into someone you know.

For similar reasons, you may not prefer as much face-to-face interaction. In these cases, Credit Saint and Lexington Law are perfect matches that also provide excellent credit repair. There is absolutely no obligation, and you’ll still be able to go over your credit report for free with a professional.

How Do I Tell If A Credit Repair Service Is Legitimate?

All 13 of the services we’ve listed in this article are legitimate. However, if you happen to go with another service, it’s important to make sure they meet all the following criteria:

  • Verifiable Physical Address: Many credit repair services now conduct their businesses entirely online. However, that’s no excuse for not having a physical address. A reputable credit repair service will always list their address publicly--be sure to verify this with Google or Yelp.
  • Registered With The Secretary Of State: In Texas, Credit Service Organizations (CSOs) are required to register with the secretary of state before conducting business. Legitimate credit repair services will list this on their site, or provide proof of this upon request.
  • Proven Track Record: All of the companies we’ve listed have been in business for years and have had many reviews on Google, Facebook, Yelp, and other third-party sites. While reviews aren’t always a mark of good credit repair, having many of them is a good sign of a legitimate company.
  • No Lofty Promises: The Credit Repair Organizations Act requires that companies make any guarantees, such as a certain score increase, in writing. If they try to sell you a promise during a consultation without it being listed clearly in a binding document, this can be a red flag.
  • Transparent Pricing: Many local offices will have variable prices, as they want to customize each person’s case. In these cases, you must ask about pricing during the free consultation, and they must give you an actual number. If they beat around the bush, don’t trust them. For this reason, we prefer companies with transparent pricing models such as Credit Saint and Lexington Law.

How Much Does Credit Repair Cost In Texas?

Typically, six months of credit repair in Texas should run you no more than $1,000. Of course, costs will vary widely depending how much work your case needs, but this is a reasonable estimate.

When considering costs, we highly recommend calculating how much the service will cost for six months, rather than simply comparing monthly rates or initial setup fees. This is because it usually takes credit repair companies six months for you to see the best results.

Is It Worth Paying Someone To Fix Your Credit?

You might be wary of spending $1,000 on credit repair, especially if you’re in a tight spot financially. This is completely understandable.

However, you may be able to save thousands of dollars or more over your lifetime through better loan terms as a result of a better score. Many clients in Texas have signed up with these trustworthy credit repair services, and their investments have rewarded them in the long run.

If you’re still worried financially, consider a free call with Credit Saint as a starting point. Even if you do sign up for their services, they have a 90 day money back guarantee, making it relatively risk-free for you.

What Results Can I Expect From Credit Repair?

Through past reviews and testimonials from these companies, it’s reasonable to expect a score increase of about 50 points with 6 months of service. However, this is not a promise, and results will vary from case to case.

For example, a typical review for Credit Saint from Raquel Garcia on Google read as follows:

Raquel Garcia

He stayed on the phone with me for one hour helping go over reports score went up 81 points on transunion ! 40 points in others but I finally qualified for the chime credit card ! So I’m doing both. Stuart was beyond patient , guiding me to better credit, very wise man! I never had this best customer service before he is AMAZING answered all questions and concerns !


In a single 45 day cycle, Raquel saw a score increase of 81 points on his TransUnion report, and 40 points on Experian and Equifax. She also praises Credit Saint’s customer service and is looking forward to results of his next cycle, where she could potentially see even more improvement.

Overall, it’s important to realize that credit repair doesn’t happen overnight. It can be frustrating having to make the first initial payments, but remember that most services take at least 3 to 6 months to see significant results.

Conclusion and Next Steps

In this article, we’ve introduced 13 of our top recommendations for Texans looking for credit repair. Given the state of credit in Texas, it’s all the more important to seek a legitimate credit repair agency for help.

As a next step, we recommend reaching out to Credit Saint, Lexington Law,, or any one of our top 10 local Texas offices for a free consultation. You will be able to learn a lot about your credit report from these calls alone. This is the first step in your path towards better credit for all your future ventures.

When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.

About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.

Learn more about Chris Morgan

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