Repair and Boost Your Credit Score

Best Credit Score help in the state of Texas
Call: (281) 339-9555

Are you being denied access to the good life?

Car Loans at low rates

Whether you have a 4% or a 7% loan has a significant impact on the cost of owning an automobile. With your present credit score and history, are you able to obtain low interest rates?

Mortgage Approvals

The finest thing you can do to secure your future is to purchase a home. You might not be able to secure a mortgage or get low rates if you don’t have a good credit history.

Credit Cards

In the event of an emergency, having a credit card is essential. For that much-needed refurbishment, a holiday, or other unforeseen costs. Not to mention the perks and points!

Low interest loans

Obtaining high-interest vehicle and house loans can be worse than being turned down. A good credit score can save you tens of thousands of dollars over time.

Do you have bad credit scores?

We are a Houston-based credit restoration organization that has helped hundreds of people rebuild their credit over the years. We’re a local company that provides you with tailored and personalized services based on your unique background and requirements. As opposed to the larger national companies, we don’t look and treat our customers as figures on a sheet.  We work with you one-on-one to ensure that your credit is in good standing so that you can buy your next car or home, or simply lower your current interest rates and save thousands of dollars.

Stop being turned down for credit because you have negative credit score, and stop paying exorbitant interest on your home loan, auto loan, and credit cards because of it.

Take advantage of this once-in-a-lifetime chance to repair your credit for an affordable rate. Speak with a credit expert to find out how you can get back on track. Stop spending hundreds or thousands of dollars in excessive interest every year and learn how to improve your credit score to save money. Our additional services, such as tax guidance, insurance, investments, and business loans, will be available to you.

Around 87% of low credit scores should NOT actually be low.

They’re low because of inaccuracies in the credit reports

we can help you to improve bad credit scores

We do NOT charge ongoing monthly fees. We have transparent one-time fixed fee depending on the package you select

Save literally 100s of thousands of dollars by improving your credit score

See examples below:

Interest expense on a $300,000 Mortgage over 30 years

Credit Score less than 600 —> $247,220

Credit Score from 600 – 650 —> $215,609

Credit Score from 650 – 700 —> $155,332

Credit Score from 700 – 750 —> $138,045

Credit Score greater than 750 —> $126,731

Interest expense on a $25,000 Auto Loan over 72 months

Credit Score less than 600 —> $7,001

Credit Score from 600 – 650 —> $6,122

Credit Score from 650 – 700 —> $4,831

Credit Score from 700 – 750 —> $3,989

Credit Score greater than 750 —> $3,161

How does our Credit Repair Process Work?

Credit Report Analysis

We collect your credit reports and devise a strategy to address any dubious negative items that are negatively impacting your credit score.

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Credit Report Disputing

On your behalf, our staff will submit necessary correspondences disputing and challenging the erroneous and derogatory items.

Report Dispute Escalation

We keep the process continuing for negative things that require more correspondence to guarantee your credit rights are adequately represented.

Constant Credit Monitoring

We provide you with 24/7 access to your credit score analysis and credit counseling through our online portal to assist you in achieving your objectives.

The step-by-step process:

You call us for a FREE consultation

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We pull your credit report for FREE and start discussing all the negative items you have on it

We explain how we work and how we get your credit score increased

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We evaluate all negative items and decide which ones can be removed

We prepare official letters on your behalf and mail the bureaus and ask them to remove those items

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We continue disputing the negative items until they're removed

We can help fix your credit score and report

The most affordable rates for the highest quality credit repair service in Texas!

Most common misconceptions regarding credit scores

Takes a long time to improve credit

People frequently believe that credit repair takes a long time and that unfavorable marks must be removed from your record for several years. That isn’t correct. A good credit repair business, such as ours, can produce results in as little as a few months. The best aspect is that there are no monthly payments. Our fees are one-time and non-negotiable.

Your income matters

Your credit score is unaffected by your income. It’s never about how much money you make, but rather how well you handle what you do have. Because they manage their finances better, a person earning $2,000 a month can and frequently does have a better credit score and report than someone earning $10,000 a month.

You should repair credit yourself

Yes, credit restoration services such as ours are pricey, but keep in mind how beneficial they are. Many of the tasks we perform COULD be completed by you, but how would you know what to do? If you overlook even one error, the higher interest rate will cost you far more than our little one-time fee.

top quality credit repair services

Study finds that most Americans have bad credit – Repair and Boost your Credit Score Texas

According to a recent research, 56% of consumers have subprime credit scores. If they need or want to borrow money, they won’t be able to take advantage of the best — or even average — interest rates. Only persons with excellent credit get the best pricing and terms.

When you combine that with the reality that house ownership is at its lowest point in over two decades, you have a lot of folks sitting on the fence reading or hearing about how terrific the economy is. However, it is not ideal for everyone, because economic insecurity is not limited to low-income households. 

If you’re not sure how your credit stands, use “Repair and Boost Your Credit – Texas” to examine your credit report summary. Our credit experts will go over all of the criteria that go into determining your credit score, as well as suggestions for improving or maintaining it. Take time to improve yours if it isn’t where you want it to be before an unexpected expense arrives. You’ll be far more likely to have financing choices this way.

Get your FREE credit consultation today!

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Exceptional at what they do. The best part is that they charge a one-time cost rather than a monthly subscription. Due to negligence from my earlier years, I had an embarrassingly low credit score, and “Repair and Boost Credit” helped me raise it by nearly 130 points in just a few months.

– Richard Higgins

Repair your past credit history

We’ll contact all three credit bureaus as well as your creditors to dispute any unfair or inaccurate negative information on your credit report that’s hurting your credit score.

Build your future wealth

We can educate you using proven approaches and walk you through the processes and actions you need to do to keep your credit score high and maintain it in the future.

93%

Success with our customers. Highest in the state of Texas.

Five important lessons You should know about Credit – Repair and Boost Credit Texas

Understanding the Value of a Dollar

Perhaps the toughest lesson to teach teens is the value of a dollar. Many teens aren’t working as they’re focused on school and they may have the perception that simply swiping a card through the credit card reader gets you anything you want. Because of this they have a hard time making the connection between money being spent and using a credit card.

Teens need to be taught early and constantly reminded that credit is debt. This means teens need to understand the idea that just because they have spending room on their credit card it doesn’t mean they have to utilize it.

A potentially easy way to convey the value of a dollar to teens, and to get them to use their credit wisely, is to remove cash from their checking account, or directly from their person, for each corresponding dollar they spend on their credit card. This way there’s a tangible connection of how much they’re spending and they’ll likely make wiser decisions as to whether or not a product or service is worth buying.

How credit card interest and fees work

Secondly, it’s evident from Charles Schwab’s study that most people, especially in their youth, don’t have a good grasp of how credit card interest and fees work, so this would be the next most important topic to tackle.

People need to be taught that what they purchase can actually wind up costing a lot more than the sticker price over the long run if they only plan to make the minimum payment on their credit card. Because most young people are unlikely to have much if any credit history, credit companies are unlikely to give them an attractive APR, making it critical that they understand the connection between interest, time, and how much they choose to pay on their bill.

Under the Credit CARD Act of 2009 credit statements are required to have a minimum balance warning to demonstrate to consumers how much they’d pay in interest if they just made the minimum payment. This can be an important learning tool for young people.

How does your credit score affect you

Once young people have a good grasp on the true value of a dollar and how credit card interest and fees work it’s time to teach them why making their payments on time and maintaining good credit habits is so important. 

In addition to teaching teens the basics about the credit score system, people should be taught about how lenders will use their credit history to determine their interest rate and available balance. Teens also need to understand that their credit score can affect more than just their ability to get a new credit card or obtain a mortgage. As was noted earlier, employers and landlords will often look at an individuals’ credit report to get a bead on their trustworthiness. An individual with a lower score may be viewed as a risk and could lose out on a good job or a favorable apartment or home.

Not all debt is bad debt

Although it’s important people understand the seriousness of using credit to make purchases, they should also be taught that not all debt is necessarily bad. 

For example, teens or their families may not have enough cash on hand to pay for the rising cost of a college education. This means more teens than ever are applying for student loans to get through college. According to The Project on Student Debt, 69% of seniors who graduated from public and nonprofit college in 2013 had some form of student loan debt, with the average student loan equaling $28,400.

While no debt is welcomed with open arms, a student loan could be a path toward a better paying job and career advancement. The Pew Research Center noted earlier this year that Millennials aged 25-32 with a Bachelor’s degree or better earned a median of $45,500 per year in salary compared to just $28,000 for millennials of the same age group that only had a high school diploma. A good education could easily cover the cost of a student loan, making a student loan a potentially smart move.

How to protect your information

Finally, considering the number of credit card breaches we’ve learned of from major corporations over the past years it’s definitely worth teaching teens how to safeguard their information. 

For instance, Facebook and Instagram are popular stops for youong folks these days who want to express to the world the ups and downs of their day. Some might even be tempted to post their accomplishment of obtaining their first credit card online with a photo — a potentially dangerous idea that could wind up with their account information being stolen.

Another common method of account information theft is credit card offers being thrown in the trash. Thieves can very easily pull your info from these offer sheets and open an illegal account in your name. The easy solution is to teach people to shred all credit card offers.

It’s also a smart idea for people to go over their credit report at least once a year and look for discrepancies. Even if identity theft isn’t a problem, it’s quite possible that credit reporting agencies can make mistakes.

We can help get your credit score to higher levels!

We can get you a high credit score

Our Mission Is to Build your credit score that allows you to live the life you deserve

savings due to low interest rates due to higher credit scores
credit repair company in houston texas

We can help save you thousands of dollars per year or more. Higher credit score means lower interest rates –> lower monthly expenses

Future

Why should you consider repairing your credit

If you have credit problems, “Repair and Boost Credit – Texas” may be able to assist you in repairing your credit. This could be the ideal solution to your problem and a means to restore your credit report’s credibility. However, you should be aware that credit restoration is not a quick fix; it will take time and effort on your part.

A decent credit repair agency will accomplish a lot, but their main goal will be to send dispute letters to the credit bureaus. They should also give you advise on how to rebuild your credit and manage your existing debt, but you will be responsible for carrying out this part of your credit repair program, which is crucial.

If you want your credit repair to result in higher scores and usable credit, rebuilding it essential. Many people avoid rebuilding their credit because they are afraid of being turned down or because they are simply scared about reentering the credit realm. The first fear is unfounded, and the second must be conquered.

Credit scores are based on the payment habits and balance management information you supply to the credit bureaus via your accounts, which is why repairing your credit is crucial to your credit repair success. If you don’t have any open accounts, the credit scoring software won’t be able to calculate a score for you. Every month, you must provide favorable data to the bureaus.

It’s simple to manage your new credit cards for credit repair, but the specifics are crucial. If you make your payments on time every month and keep your balances low, the credit scoring algorithm will react favorably. To improve your credit score with new cards, maintain your debt to account limit ratio under 20%.

Many consumers find it advantageous to use their new cards to pay for little purchases that they would have paid in cash before. This is a convenient technique to incorporate debt usage into your credit restoration efforts without putting your finances in jeopardy. Simply use your new cards to pay for the occasional tank of petrol or grocery bag. When you receive the bill, pay everything but the last five or ten dollars to ensure that the account is always recorded as active.

All of this will take some effort, but the result will be substantial. Within six months of the new accounts reporting, opening new secured credit cards and correctly managing them might result in a huge increase of over one hundred points. Organize your funds, stick to a strict budget, and start restoring your credit right away. The sooner you begin, the sooner you will have excellent credit that you may use again. You’ve got this!