STEP ONE
Enroll
We'll give you a professional consultation and credit analysis to see if you are a good fit for our credit repair program.
STEP TWO
Learn New Strategies!
We have a wide assortment of credit-building tools that put you in a position to maximize your credit score!
STEP THREE
See Results
Log in to your personal dashboard where you can see real-time progress and results every step of the way.
HOW WE CAN HELP YOU
We Help Improve Your Credit Scores
By Removing:
Collection Accounts
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report.
Collection accounts have a significant negative impact on your credit scores.
Collection accounts have a significant negative impact on your credit scores.
Repossessions
Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they're reported to the credit bureaus. Then, the repossession itself will be listed in the public records section of your credit report.
Charge offs
A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months.
These can include balances from a credit card, mortgage or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.” But that doesn’t mean you’re off the hook. Even though your account is charged off and the creditor reports it as a loss, you’re still responsible for paying back the debt. And the charge-off can remain on your credit reports for up to seven years from the date your first missed payment was reported.
These can include balances from a credit card, mortgage or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.” But that doesn’t mean you’re off the hook. Even though your account is charged off and the creditor reports it as a loss, you’re still responsible for paying back the debt. And the charge-off can remain on your credit reports for up to seven years from the date your first missed payment was reported.
Late payments
Regardless of the reason, there are several consequences to making late payments, including:
* Late payment fees.
* Interest added to the delinquent payment.
* Possible termination of service or default of loan.
* The late payment showing up on a credit report.
Payments that are less than 30 days late often do not show up on someone’s credit report, unless they occur frequently. When they do show up, they can remain on that person’s credit report for up to seven years, after which they fall off automatically.
* Late payment fees.
* Interest added to the delinquent payment.
* Possible termination of service or default of loan.
* The late payment showing up on a credit report.
Payments that are less than 30 days late often do not show up on someone’s credit report, unless they occur frequently. When they do show up, they can remain on that person’s credit report for up to seven years, after which they fall off automatically.
Hard Inquiries
Hard inquiries can be harmful to a borrower’s credit score. Each hard inquiry usually causes a small credit score decrease for a borrower. Hard inquiries remain on one's credit report for two years. Generally, a high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender.
And More!
Foreclosures, Short Sales, Bankruptcies, Tax Liens, Repossession, Judgments, Personal + More!
HOW WE CAN HELP YOU
We Help Improve Your Credit Scores
By Removing:
Collection Accounts
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report.
Collection accounts have a significant negative impact on your credit scores.
Collection accounts have a significant negative impact on your credit scores.
Charge-Offs
When a creditor believes that a debt is unlikely to be collected, they can write off this debt as a loss. This type of debt is known as a charge-off. Like a collections account, this usually occurs after an account has a significant delinquency.
Late Payments
Late payments are payments that are at least 30 days behind their scheduled due date. They are reported to the credit bureaus and added to your credit report as 30, 60, 90, 120, 150 days late. Recent late payments can have a high impact on your credit score.
Student Loans
Student loan delinquencies can have a major impact on your credit score. Also, if student loans are not consolidated into one account, being late 30 days can result in multiple late payments added to your credit report at once.
Reposessions
A repossession typically occurs when there is a serious delinquency related to an auto loan. The lien holder will either voluntarily or involuntarily take back the vehicle and report this negatively to the credit bureaus.
And More!
Foreclosures, Short Sales, Bankruptcies, Tax Liens, Repossession, Judgments, Personal + More!
SAFETY AND SECURITY
Our Work Is
100% Money Back Guaranteed
We want you to feel secure in your decision to trust us with your needs. We understand you are in a difficult situation and need somebody you can rely on to help you. If we are unable to remove any derogatory items in 180 days, we will refund ALL your money. No fine print…no catch…100% money back guarantee made simple!
WORRIES, BEGONE!
We Have The Best 100%
Money Back Guarantee
If you have not received any improvement within 6 months of service from your enrollment date, we’ll refund your money – including your enrollment fee. No questions asked!
SAVE WITH OUR PRICING PACKAGES
Credit Repair
Made Affordable
Houston Credit Repair is not like other companies. We do not charge our clients a monthly fee, whether you get results or not. We use a “Pay Per Delete” pricing structure, which means that you only pay for results! This allows you to see exactly what your money is going towards. We also offer payment plans to make this structure easy and affordable on any budget!
$
$199 Enrollment (One Time Fee)
Pay Per Delete Package
- -Full in depth credit analysis with one of our credit specialists to determine which sections of your credit score are hurting you the most.
- Customized action plan for each client tailored to their specific credit needs.
- Access to a wide variety of credit building techniques, credit education, and coaching strategies to help improve your scores from all angles.
- All negative items on your report are disputed at once and clients are charged per item removed after they are deleted from your credit file.
- 24/7 secure client portal access with real time updates on the credit repair process.
- Real time updates on your file sent directly to you via email, text, or phone call letting you know exactly where you are in the dispute process and what you should be expecting.
- Access to a wide variety of resources to help our clients reach their goals. We have developed relationships with various professionals such as: realtors, lenders, car salesmen, mortgage brokers, debt defense attorneys, and more! That way you have everything you need to get exactly where you need to be! We got you covered!
IMPROVE YOUR CREDIT SCORE
Searching for a First-Class Credit Repair Company?
Frequently Asked
Questions
Is Credit Repair legal?
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Is Credit Repair and Education worth my time and money?
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
What can I expect when I enroll in Credit Education?
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
What is your 100% Guarantee?
Don’t look for the fine print. If you see no improvement in your credit score within 6 months and you’ve followed ALL of our advice, we will refund your money in full.
How long will it take to raise my score?
Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. After a full 6 months of credit repair, the average credit score increase is 80 points. See full statistical breakdown.
Why are your results different?
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Will the removed items come back?
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
What items can you help me to remove and improve?
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.