Are you looking for credit repair in Dallas Texas? Have credit issues been preventing you from getting a loan, renting an apartment, or buying a house recently? If so, then credit repair services could be the answer. In this blog post, we will discuss credit repair companies in Dallas and how to find affordable credit repair solutions for your needs!
How Do Credit Repair Services Work?
Before we get into credit repair in Dallas, let’s first understand how credit repair services work. The easiest way to describe credit repair is that a company repairs your credit report when errors are found on your credit report. These errors could include transactions made by lenders and other companies showing up in your credit reports which you did not authorize.
Most credit repair companies will look over your credit report to find errors or inaccurate information that they dispute with creditors and the major credit bureaus. They will repeat this process over and over until the item is removed from your credit report or come to another resolution.
Improving your credit score is a difficult and challenging task. Credit Saint is a credit repair company that helps you improve and boost your credit score by building a positive payment history. Alternatives to Credit Saint are Disputebee, Lexington Law & Credit Repair Cloud.
Who Are The Best Credit Repair Companies In Dallas Texas?
Dallas is the ninth most populous city in the United States with a population of over 1.3 million people. In 2020, Forbes listed Dallas as number 2 in The Best Place For Business and Careers. While Dallas is a big city with great places to work and build a career, people have a lower than average credit score than the rest of the country.
According to FICO a good credit score is between 661-780. If you have a credit score in this range it is considered good and you will be able to get approved for most loans and good interest rates. When your credit score is below 661 it’s considered bad and you may get denied for loans and have high-interest rates.
The Average Credit Score in Dallas 649
Average Credit Score Texas 688
The Average Credit Score In The United States 711
The good news is that if you have a bad credit score, there are plenty of credit repair companies in Dallas that can help you fix your credit score. Below is our list of the best credit repair companies in Dallas.
Related: 10 Best Checking Accounts For Bad Credit
Best Credit Repair Companies In Dallas
These are some of the best credit repair companies in Dallas based on reputation, reviews, customer service and results based on past customers.
Zorro Credit is a credit repair company located in Dallas and has been around since 2004. They have helped more than 14,000 people increase their credit scores. Their team of lawyers help dispute items from your credit report and most of their clients get the best results within 60 days.
Zorro Credit has credit repair offices in 20 other cities including Houston, Miami, Atlanta, Chicago, Las Vegas, Denver, and Charlotte.
How Does Zorro Credit Work?
Zorro credit has a four step process to help you repair your credit.
First Step: When you call Zorro Credit you will get a free consultation with one of their credit repair experts. They will need to see your current credit scores and credit report which you can get your free credit report here.
Second Step: If you choose to sign up with them you can pick a payment plan and if you don’t have the money to start just let them know when to charge you.
Third Step: Their credit experts will start disputing any negative or inaccurate items from your credit report. Zorro helps you to remove collections, late payments, charge offs, bankruptcies, repossessions, foreclosures, and judgements.
Fourth Step: You start to receive dispute letter results from the credit bureaus as well as results in your credit report. If the items are removed they repeat the process for you again.
Zorro Credit has a free consultation where they will go over your credit report with you and discuss a plan to repair your credit. When you sign up they charge $99 a month but they do offer different payment plans as well.
Zorro Credit Dallas does not currently have any reviews on Yelp but they have 5 stars on Facebook with customers stating how they remove all deletions from your credit report and can increase your score in just a couple of months.
Xpert Credit Repair
Xpert Credit Repair offers a delete then pay credit repair process. This process allows them to work to repair your credit for 90 days and you only pay if they delete items from your credit report. They work with consumer credit attorney to help you with debt settlement. Their offices are in Texas, Florida and New York.
Xpert Credit Repair has several programs that you can choose from that meets your needs. They offer a free credit repair course, consumer credit repair, and business credit repair.
Their consumer credit repair process starts with a audit of your credit report. Then they go over their “delete than pay” credit repair process where they go through your credit report to get items removed. You only pay when items are removed or corrected. Any debts you have they recommend you to a consumer credit attorney that will help you fight or settle debts.
Xpert Credit Repair offers fair pricing for all of their services. They will invoice you once a month for any work completed in the previous time period and you only pay if they are successful.
Credit Analysis: $350 per individual or $450 per couple
The Credit Analysis is a customized road map for repairing your credit that they help you put together the best options for you. For this plan you will have to pay before they begin the work.
Free Credit Report Fixes:
The following items will corrected on your behalf for free except if you have over 5 addresses which will be ‘$5 per additional address per bureau:
- Misspelled Names
- Address up to 5 addresses
- Wrong date of birth
- Incorrect Social Security Number
- Outdated Telephone Numbers
- Previous Employment Records
- Removal of ex-spouse
Inquiry and Late Payment Information: $20 per bureau per deletion
Tradeline Deletions: $50 per deletion per bureau
Auto Repo Removal: $100 per deletion per bureau
Foreclosures: $100 per deletion per bureau
Public Record Deletion: $100 per deletion per bureau
Xpert Credit Repair has good reviews on Google and Facebook and they have a C+ rating on BBB but has no complaints. Customer reviews have stated how great the company is at working with collections and has excellent customer service and knowledge of the credit repair industry.
Credit Boosters offers affordable credit repair in Dallas, El Paso, Las Cruces and Nationwide. This company is all about affordable credit repair offering a flat rate fee with no hidden or additional costs. They will challenge collections, charge-offs, medical bills and judgements. Credit Boosters is bonded and is an officially registered credit repair organization in Texas. You can call to schedule a free consultation in Dallas at 214-232-4300.
Credit Boosters starts their credit repair process with a free consultation by going over your most recent credit report and giving you recommendations of which negative items should be removed.
Once you agree to sign up with them they give you an affordable flat rate to repair your credit. They will then challenge items to get them removed from your credit report. It takes about 6 months to repair your financial information with Credit Boosters.
Credit Boosters states they offer a low flat rate for their credit repair services but does not list their pricing on their website. They have no hidden fees or additional costs and they also offer a couples discount.
Credit Boosters in Dallas has 5 stars on Google and Facebook with customers stating how informative the team is and how they helped them to increase their credit score to the 700s so they could buy a home.
How Much Is Credit Repair In Dallas?
If you are looking for credit repair in Dallas it costs around $100 to $200 per month depending on your credit repair needs. The more your credit repair needs such as identity theft or lots of inaccurate information it will cost more and take longer to fix.
Some credit repair companies state that you can start seeing results in as little as 60 days. However, the average credit repair service is about 6 months so you can pay anywhere from $200 to $600 for credit repair.
If that sounds expensive to you there are cheaper options. The Credit Repair Blueprint is a DIY credit repair course that teaches you how to fix your credit for life, get approved for loans, get sign-up bonuses for the best credit cards and checking accounts and so much more.
Is Credit Repair Ilegal In Dallas?
Credit repair is legal in every state within the United States. Before you hire a credit repair company you should do your research and make sure that the company you are hiring is legit. They should have good communication, proven results and good reviews from past customers.
Credit repair can be expensive and if you hire the wrong company to repair your credit it could end up costing a lot of money and they may not be able to repair your credit at all.
👉 Should you hire a credit repair company? Find out all the things you need to know about credit repair.
How Can I Fix My Credit Quickly To Buy A House In Dallas?
The average credit score for homebuyers in Dallas is 671. If your credit score is below that you might want to consider hiring a credit repair company to help you increase your credit score.
To get approved for a conventional home loan in Texas you will need a minimum credit score of 620 and 640 but you might have to pay higher interest rates and require a higher down payment.
👉 The higher your credit score the better loans terms you will get.
5 tips to increase your credit score quickly to buy a house:
- Pay your bills on time every month: Payment history makes up 35% of your FICO credit so any late payments or missed payments will decrease your score.
- Pay Off Debt: Credit utilization makes up 30% of your credit score so keep your debt less than 30% of your available credit limit.
- Increase Your Credit Limit: The more credit you have available and the lower your debt is will increase your credit score.
- Open New Credit Accounts: Applying for credit cards can increase your credit overall as it will increase your credit limit, and lower your debt
- Tradelines: If you are lacking credit history you can buy a tradeline which will allow you piggyback off of someone’s good credit score increasing your payment history, credit length, credit utilization and credit limit.
👉 If you choose to fix your credit on your own you can access the best credit repair software for removing collections and inquiries here 👈
While Dallas is an amazing city full of opportunity credit scores have been decreasing over time. You don’t have to live with a lower credit score as there are many credit repair companies that can help you increase your credit score so you will be able to buy a house, get a new car, get approved for a personal loan and open the best credit cards.
Do you have bad credit, no credit, or want to learn how to become a credit expert?
Signup for the #1 DIY Credit Repair Course
The Credit Repair Course includes:
- How to find your credit report and your ACTUAL Credit Score
- A breakdown of how your credit score is calculated
- How to increase your credit score in each category
- The best tools to increase your credit score fast
- How to dispute negative items from your credit report
- Credit dispute letter templates and when to send them
- The best credit cards for your credit score
- How to use credit cards to leverage your money and business
- Use credit cards to get free travel, bonuses and rewards
Learn how to fix your credit for life by enrolling in The Credit Repair Blueprint today!