Compare Top Credit Repair Companies
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Authorized Partner
Credit Saint
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Credit Saint is a credit restoration company with representatives you can contact via email, phone and online chat. The company helps clients remove items such as collections, late payments, bankruptcies, foreclosures and judgments. |
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Learn More (478) 845-6310 | Read More |
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Authorized Partner
Sky Blue Credit Repair
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Improve your credit score! |
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Learn More (888) 751-6072 | Read More |
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Authorized Partner
The Credit People
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Raise your credit score in as little as 60 days by working directly with the credit experts at The Credit People. Your credit expert will develop a credit improvement strategy that includes challenging and removing questionable items from your credit report. |
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Read More | |
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CreditRepair.com
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CreditRepair.com goes beyond one-time credit repair to help clients achieve lifetime credit success. They do more than remove negative items from a credit report |
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Learn More | Read More |
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Authorized Partner
The Credit Pros
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The Credit Pros is a national credit repair company dedicated to helping clients remove inaccurate information from their credit reports. |
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Read More | |
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Lexington Law
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White Jacobs & Associates
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Location
200 Chisholm Pl., Ste. 250
Plano, TX 75075
(972) 231-0452
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Best Texas Credit Pros, LLC
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Location
1751 River Run, Ste. 200
Fort Worth, TX 76107
(817) 668-7797
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JP Credit Repair
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Location
3402 South W. S. Young Dr.
Killeen, TX 76542
(888) 266-6004
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Credit repair in Waco
The average credit score in America has increased steadily since 2013 and is now at a healthy 675. But unfortunately for Waco residents, Texas is in the top 10 states with the lowest credit scores. The average Texan has a credit score of 656 and credit card balance of $6,902.
Bad credit impacts your finances and lifestyle. A low credit score tells lenders that you are high-risk, and they will charge higher interest rates or may deny the loan for a mortgage or application for a credit card.
In one study, the Federal Trade Commission found that 1 in 5 consumers had an error on their credit report. Once the errors were disputed, 20 percent of these consumers increased their credit score and decreased their credit risk tier, making them more likely to receive better rates.
How credit repair works
Credit repair services become an ally to clean up your report. They work with credit reporting agencies to dispute errors and negotiate removals to help raise your score. Credit repair companies also give guidance to help boost credit on your own, such as opening new lines or paying off old bills.Critics say that credit repair companies do work that you can do yourself—and that’s correct. But for many consumers, paying an expert may be worth it because credit repair companies understand the process and how to argue with multiple agencies and get results.
How much does credit repair cost in Waco?
Typically you hire a credit repair company on a monthly basis until your credit is fixed, which takes several months to a year depending on your situation. The monthly fee ranges between $60 and $100, and often comes with an additional, up-front set-up cost. The Credit Repair Organizations Act bars companies from demanding advance payment and must allow for full-refund cancellations within three days.The Federal Trade Commission provides helpful tips on how to identify if a credit repair company is a scam. Read reviews online and research a company’s rating on the Better Business Bureau to make sure you’re dealing with reputable credit repair in Waco.
Credit Repair Reviews
| Authorized Partner | ||
Credit Saint |
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In 2017 and 2018, Credit Saint was ranked #1 by The Credit Review based on its industry-leading 90-day, money-back guarantee and 95% 45-day customer credit improvement rate. Credit Saint offers a free no-obligation personal consultation and maintains an A+ rating with the Better Business Bureau. |
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Learn More (478) 845-6310 |
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Sky Blue Credit Repair |
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Sky Blue Credit promises one of the fastest repairs in the industry; its experts dispute 15 items every 35 days, including even the subtlest disputes. Sky Blue also offers extra services at no additional cost, including debt validation, goodwill letters, cease and desist letters and debt settlement consultations. You can also track your progress along the way via your Sky Blue Portal. |
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Learn More (888) 751-6072 |
| Authorized Partner | ||
The Credit People |
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With some of the lowest set-up fees and monthly prices, The Credit People is an affordable option for credit repair. The Credit People also offers a 60-day, 100% money-back guarantee and free initial credit reports, which is rare in the industry. The Credit People is certified by the Fair Credit Reporting Act and has experts available 24/7. |
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CreditRepair.com |
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Customers see an average 40-point score gain in the first four months of using CreditRepair.com. The company uses an educational approach and innovative technology to guide you through the repair process using a customized plan of attack. CreditRepair.com also offers a free credit analysis to see if you would benefit from its product. |
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Learn More |
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The Credit Pros |
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Credit Pros allows cancellation at any time and charges per removal, rather than a set monthly fee. Each customer is assigned a specific FICO specialist, who becomes a partner through the removal process. The Credit Pros earns great ratings, with reviewers stating that their service was impressive, honest and truthful. |
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Lexington Law |
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Since 2004, Lexington Law has been challenging creditors and mentoring customers in order to find better credit solutions. With three levels of service, you can find the right solution. The average length of service is six months—half the time of other competitors. In 2017 alone, Lexington Law had over 10 million removals and 500,000 clients. |
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