Houston Credit Repair | US Best Credit Solutions (2024)

Having a good credit rating is essential in our current economy post the Great Recession of 2008-2009. Good or bad our credit ratings cost us money every single day; a loan at 1% interest generates revenue just like a loan at 18%. With roughly half of this country struggling with their credit rating we’ve created a “perfect storm” for creditors and collection agencies to prey on good hard working Americans. Finding a legal / liable credit service company in Houston, Texas that will stand up and fight for consumers to remove discrepancies and erroneous accounts on our credit reports can also prove to be a challenge. Houston, Texas you have an ally in US Best Credit Solutions! We are licensed with the Secretary of State and carry a $10,000 surety bond to guarantee our work. US Best Credit Solutions has been helping Houston and the surrounding communities for going on eight years now, changing thousands of lives, through our legal credit restoration services. US Best Credit Solutions is able to address all derogatory and erroneous lines of credit such as: collection accounts, late payments, tax liens, judgments, foreclosures, repossessions, credit inquiries, bankruptcy, previous addresses and aliases that leave you open to identity theft.

Credit Repair Houston Tx VS Legal Credit Restoration

Most of us now think that if we find something inaccurate on our credit reports that we can send a dispute letter to Equifax, Experian, and Trans Union to have these items removed. This dispute process is commonly known as credit repair. The challenge with traditional credit repair is that it only addresses the negative credit accounts at the surface level, the credit bureaus. Although credit repair Houston can potentially help a small amount of people with their credit needs for the majority of us it will fail. In addressing negative credit accounts solely at the credit bureaus and never at the collection agencies and originating creditors we never truly get rid of our derogatory credit. In time creditors and collectors see that the items they are paying to report have been removed and quickly place them right back on our credit reports. Through legal credit restoration, the few companies like US Best Credit Solutions are able to address these negative items at the credit bureaus, collection agencies, and originating creditor levels. Legal credit restoration provides lasting results in a short period of time. Traditional credit repair can be a lifelong commitment and never yield the results necessary to achieve our financial goals.

With US Best Credit Solutions and its legal credit restoration Houston services, residents can finally change their life and enjoy the financial freedom that a good credit rating can provide!

Here are some alarming numbers: In a recent survey, 34% of consumers found at least one error in their credit reports, including inaccuracies related to personal information (29%) and debt (11%). These mistakes ranged from incorrect addresses and misspelled names to unrecognized accounts and wrongly reported late payments. Furthermore, 75% of consumers with accounts permitting skipped payments saw these marked as 'current' in their credit reports.

Due to the complexity and time-consuming nature of the correction process, many people choose to seek professional credit repair in Houston to fix these errors. US Best Credit is one of the best companies in this regard.

See real improvements

Most Houston credit repair companies only work at the credit bureau level. Negative items that they manage to remove from your records are likely to be reported again by the original creditors. And since many of these companies aren't legally registered or bonded, you won't receive a refund if your credit score goes back down.

This isn't an issue with US Best Credit. Unlike typical credit repair companies in Houston, we have a 100% money-back guarantee.

US Best Credit Solutions stands apart from other companies that offer credit repair in Houston, TX. We go beyond simple dispute services, instead providing personalized solutions crafted to address your unique credit circ*mstances. We meticulously analyze your credit report and establish the optimal strategy for your particular situation.

Our comprehensive approach ensures that we understand the full context of your credit challenges before implementing any actions. This allows us to not only remove negative entries but also provide guidance on how to build positive credit moving forward.

Our attorney-backed credit repair method

Furthermore, we have a legal team backing our process, ensuring that all actions taken are within the bounds of the law and providing additional support for cases that require a more aggressive approach. This combination of personalized strategy, meticulous analysis, and legal backing sets us apart and consistently delivers results for our clients. You can rely on our licensed, legally registered, and bonded credit repair and restoration company.

Boost your credit score in Houston today.

If your credit score isn't up to par, it's time to call in the specialists. Get in touch with us at US Best Credit, a trusted credit restoration company and one of the best credit fix companies in Houston. Start your journey with a free credit repair consultation.


Live outside of Houston? We also offer our services in Credit Repair Austin, Credit Repair Dallas, Credit Repair San Antonio, and Credit Repair El Paso. Call 1-844-204-1155 for the Best Credit Solutions today!

Houston Credit Repair | US Best Credit Solutions (2024)

FAQs

What is the most effective credit repair company? ›

The best credit repair companies of April 2024
  • Best overall: Credit Saint. Credit Saint. ...
  • Best for couples: Sky Blue Credit. Sky Blue Credit Saint. ...
  • Best for low initial work fees: The Credit People. The Credit People. ...
  • Most affordable: Credit Firm. ...
  • Best track record: Lexington Law. ...
  • Best for additional features: The Credit Pros.
Apr 24, 2024

Is it worth paying someone to fix your credit? ›

However tempting it may be to pay someone to undo damage, you are your own best resource. In short, no one can legally remove accurate and timely negative information from a credit report, and everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost.

What is the fastest way to repair your credit? ›

If you want to improve your credit quickly, the following strategies could help:
  1. Use a reputable credit repair service.
  2. Prioritize and pay outstanding debt.
  3. Explore secured credit cards.
  4. Become an authorized user.
  5. Develop a budget and stick to it.
Feb 27, 2024

How fast can a credit repair company fix your credit? ›

Policies and procedures vary by creditor but will usually include back-and-forth letters to get everything in writing. On average, credit repair takes about three to six months. Your score should gradually improve throughout the process each time a creditor agrees to make a change in your favor.

Does 609 credit repair really work? ›

In general, a 609 letter is not a legal loophole that consumers can use to remove accurate information from their credit reports. This means they can't relieve you of any verifiable debt.

Can I pay someone to clean up my credit? ›

Credit repair companies often promise to help remove negative items from your credit reports, which could help improve your credit scores, in exchange for a fee. But you can take the same steps yourself without the fee.

How can I fix my terrible credit? ›

8 steps for fixing your credit score
  1. Check your credit report and score. ...
  2. Dispute any errors. ...
  3. Get bill payments under control. ...
  4. Set a goal for less than a 30% credit utilization ratio. ...
  5. Limit new credit inquiries. ...
  6. Avoid closing old credit cards. ...
  7. Consider a balance transfer card. ...
  8. Apply for a secured credit card.
Jan 26, 2024

How much does credit repair usually cost? ›

Credit repair companies can cost between $15 to $150 monthly in addition to a setup fee. Credit repair companies cannot charge for services before they have been completed. Steer clear of a credit repair company that doesn't offer refunds.

Can you fix a ruined credit score? ›

Repairing bad credit is possible but time-consuming. There is no one-size-fits-all strategy, and the process can be a minefield. You need to know what steps to take, where to find help and which credit repair companies to avoid. Your credit report and score both wield a huge amount of power over your personal finances.

How to wipe your credit history clean? ›

How to remove negative items from your credit report yourself
  1. Get a free copy of your credit report. ...
  2. File a dispute with the credit reporting agency. ...
  3. File a dispute directly with the creditor. ...
  4. Review the claim results. ...
  5. Hire a credit repair service. ...
  6. Send a request for “goodwill deletion” ...
  7. Work with a credit counseling agency.
Mar 19, 2024

How long will it take to fix a 500 credit score? ›

Average Recovery Time

For instance, going from a poor credit score of around 500 to a fair credit score (in the 580-669 range) takes around 12 to 18 months of responsible credit use. Once you've made it to the good credit zone (670-739), don't expect your credit to continue rising as steadily.

Is national debt relief legit? ›

National Debt Relief ratings

The company is accredited by the Better Business Bureau (BBB) and it has an A+ rating. On TrustPilot, it has a 4.7 out of five rating based on over 39,000 reviews. Customers praised the company's responsive customer support staff, affordable payments and user-friendly platform.

How long does it take to repair a 550 credit score? ›

How long does it take for your credit score to go up?
EventAverage credit score recovery time
Missed/defaulted payment18 months
Late mortgage payment (30 to 90 days)9 months
Closing credit card account3 months
Maxed credit card account3 months
3 more rows
Jul 27, 2023

Is a credit repair business risky? ›

News: Beware Credit Repair Companies. In the quest for a better credit score, many turn to credit repair companies, enticed by their promises to fix credit issues. However, beneath the surface, these companies often harbor risks that can leave consumers in a worse financial position.

What is the most aggressive credit repair company? ›

Credit Saint is one of the most aggressive companies that has offered credit repair for more than 15 years. Because they're confident in their great service, they can offer you a 90-day money-back guarantee.

What is the most reliable credit reporting agency? ›

Experian, Equifax and TransUnion are all respected, credible bureaus that are used widely.

How do I know if a credit repair company is legit? ›

You'll know a credit repair service is in violation of CROA if the company:
  • Charges you before performing any work on your behalf.
  • Promises or guarantees to remove negative data on your credit report — even when it's accurate.
  • Asks or advises you to mislead credit bureaus about one or more of your accounts.
Sep 21, 2023

Which credit score company matters most? ›

More banks and lenders use FICO to make credit decisions than any other scoring or reporting model.

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