Credit Repair Companies in Houston

By Gerald Dunigan


Credit Repair Houston

Reviewing reports for inaccurate information is a viable option for improving scores. It can be a do-it-yourself process. Residents can also consider hiring credit repair companies in Houston.

Many credit repair services in Houston TX are available online. There is no need to travel to a storefront or waste valuable time filling out physical dispute forms. As with any industry, there are distinguished service providers that offer excellent services. Similarly, there are some under-staffed, under-qualified, and predatory companies that customers should generally avoid.

Reading reviews of credit repair companies in Houston, Texas may require a little effort. But it’s worth it considering the enormous time and funds that can be saved by going with a proven provider.

Best Credit Repair Firms in Houston

Our experts came up with a list of recommended credit repair companies in Houston after scouting for evidence proving each company’s reliability. The reviews were also informed by the needs of the target audience who are looking for affordable and efficient services that don’t break the bank. For credit repair Houston, consider the following firms:

Credit Saint

Credit Saint

Consistently ranked as the number one firm for removing inaccurate credit data, Credit Saint personalizes each aspect of their experience. Their credit experts facilitate free consultations, where they answer beginner questions and evaluate the suitability of their services to the customer’s credit standing. Consumers can choose from three pocket-friendly pricing packages at $79.99, $99.99, and $119.99. The firm comes highly recommended for credit repair services in Houston because of its past history of successful outcomes.

  • Hours: 9 a.m. – 10 p.m. Mon – Fri, 10 a.m. – 6 p.m., Sat, 12-8 p.m. Sun
  • Phone Number: (877) 637-2673

Learn More: Credit Saint Review

The Credit People

The Credit People

The Credit People estimates that new customers will see an improvement of 53 to 187 points. They further claim to have resolved about 1.5 million issues since their launch. If there is no improvement after signing up, customers can cancel the service and receive their last month’s payment as a refund. Their prices are quite affordable at only $79. Houston residents will also appreciate the lowest industry setup fee at $19.

Learn More: The Credit People Review

The Credit Pros

The Credit Pros

Founded by Damon DeCresconzo, The Credit Pros has become the go-to service for cheap credit repair. Customers can select from three packages priced at $69, $119, and $149 per month.

For only $69, consumers will access unlimited dispute, personal finance tools, TransUnion monitoring, and ID protection. That’s a bargain compared to packages from other top firms. For customers searching for credit repair lawyers in Houston, The Credit Pros provides access to their legal network on all plans.

  • Hours: 10 a.m. – 8 p.m. Mon – Fri, 10 a.m. – 6 p.m., Sat
  • Phone Number: (800) 411-3050

Learn More: The Credit Pros Review

Sky Blue Credit Repair

sky blue credit repair

Sky Blue distinguishes itself from other reputable repair firms by offering a highly detailed review process to flag potential dispute items. The experts avoid potentially risky disputes that may be labeled as “frivolous” by the CRBs or harm scores further. For the first month, new customers will pay $79 for the initial review and $79 as the recurring monthly fee.

Learn More: Sky Blue Credit Repair Review

Credit Glory

Credit Glory

Credit Glory is one of the best credit repair companies in Houston for regular promotions. Their prices are quite affordable at only $99/month. Customers also enjoy a worry-free service backed by a 90-day money-back guarantee. On their about page, they express that their ultimate aim is to make customers happy, not making a quick buck.

700 Plus Credit

700 Plus Credit

For the best credit repair in Houston from a local company, consider choosing 700 Plus Credit LLC. The firm boasts of 10-year experience in the industry and has won various rewards over the years. Their well-written guides and tech tools also help customers build better credit habits for the future. The monthly package costs $69, with a one-time review fee of $49.99.

  • Location: Houston, Texas
  • Address: 2616 S. Loop W. Suite 435 Houston, Texas 77054
  • Hours: 9 a.m. – 8 p.m.
  • Phone Number: (713) 661-5505

Credit Repair Services in Houston

Credit repair and restoration services tend to have the most complaints among consumer financial organizations. The source of dissatisfaction stems from the mismatch of expectations. Many customers believe that repairing credit is a quick process that only takes a few weeks. However, CRBs may spend up to 45 days investigating claims. Additionally, many trusted services will not challenge all disputes at the same time. The common practice is to limit challenges to five per CRB for each cycle to prevent the challenges from being dismissed as frivolous.

While most customers stay with repair organizations for six months, it’s possible to cancel the service sooner. Additionally, a credit repair attorney in Houston will not necessarily achieve better reports than experts without legal training.


Chapter 393 of the Finance Code authorizes credit repair organizations to operate in Texas and imposes certain restrictions to regulate their activities. Customers may also report any wrongdoing by a repair firm with the Consumer Financial Protection Bureau (CFPB). It has a proven history of bringing lawsuits against repair agencies that violate the CROA.

Repair costs are subject to the company’s packages, and choosing expensive services doesn’t translate to faster or more removals. Because many services charge monthly fees, subscribing for more months will drive up the costs.

Credit repair specialists facilitate the process of checking reports for errors, preparing dispute letters, and submitting correspondences to credit reporting agencies. Many offer creditor intervention services such as helping customers prepare Goodwill letters to ask for voluntary removals or sending debt validation letters to debt collectors. However, not all customers require the extra features, which are often offered as part of expensive packages.

Gerald Dunigan
Gerald Dunigan

Gerald is the founder and editor-in-chief of Over 13 years of experience in credit repair companies and finance. Each text is published after its detailed proofreading