Best Credit Repair Companies in Texas (2026)
Texas has one of the largest local credit repair markets in the country. The companies on this page include providers in Corpus Christi, Rockwall, Laredo, Plano, Rowlett, Fort Worth, and other parts of the state.
Service models range from monthly subscriptions to flat-fee programs. Several companies focus heavily on mortgage preparation, while others offer broader credit report disputes, creditor communication, credit coaching, and online account tracking.
Texas also requires most credit services organizations to register with the Secretary of State. We cover the main state rules briefly after the company comparisons.
Credit Saint
Sky Blue Credit Repair
The Credit People
Texas has local credit repair markets across several major metro areas. We maintain separate city guides for the following locations:
Credit Repair Companies by City in Texas
Other Credit Repair Companies in Texas
Texas has many local credit repair businesses, so we focused on companies with current first-party websites, active credit repair services, and a supportable Texas presence.
6G Credit Solutions
6G Credit Solutions serves Corpus Christi and the Coastal Bend from its office at 4838 Holly Road.
The company provides credit repair consulting for consumers who are dealing with credit report problems or preparing for financing. Its current process starts with obtaining the client’s credit report and reviewing the information that may be affecting the client’s credit profile.
6G then prepares a customized credit repair plan based on that review. The company advertises a free consultation rather than publishing a standard package price.
700 Credit Repair
700 Credit Repair operates from 1201 North Goliad Street in Rockwall and serves consumers nationwide.
Its current website lists personal credit repair at $150 per month. The program includes credit report disputes, legal audits, credit coaching, and access to a credit tracking app.
700 Credit Repair says it sends unlimited dispute letters rather than placing a set monthly limit on the number of accounts it addresses. The company also offers a separate homeownership program for consumers who are preparing for mortgage financing.
The website describes the company as licensed and bonded in Texas and advertises a lifetime guarantee concerning deleted information that later returns. Consumers should read the written guarantee to see exactly when it applies.
A&GE Credit Repair, LLC
The company serves clients from Corpus Christi and also accepts clients outside South Texas.
The company provides credit restoration for consumers who want help reviewing and disputing negative credit report information. Its website says all clients receive the same basic pricing structure rather than paying separately for each negative item.
The company offers consultations for consumers who want to review the information affecting their credit. The company says it may also advise someone to handle the work independently when professional credit repair does not appear necessary.
The current site describes the business as registered with the Texas Secretary of State and bonded. Consumers can check current registration directly through the Secretary of State’s Credit Services Organization Search.
The address has changed from the one previously listed on this page. An additional phone number is 866-588-8877.
Buendia Solutions Credit Repair
Buendia Solutions Credit Repair operates from Laredo and offers in-person and remote credit repair services.
The company says it sends credit report dispute letters to the credit bureaus each month. Clients receive copies of the letters by email so they can follow the work on their account.
Consultations can take place in person or through Zoom. The website advertises monthly pricing but does not publish the current dollar amount on its main credit repair pages.
Cosmo Credit Repair
Cosmo Credit Repair provides credit repair, credit restoration, and credit-building services in North Texas.
Clients receive a dedicated credit manager who reviews their credit reports and works with creditors and credit bureaus on disputed information.
The website advertises a money-back guarantee tied to a 50-point credit score increase. That is the company’s stated guarantee rather than an assurance that any particular consumer will receive that result. Read the written terms before relying on it.
Cosmo’s current website displays conflicting location information. Its header lists 2591 Dallas Parkway, Suite 300, Frisco, Texas 75034, while its contact page also lists 1400 Preston Road, Suite 400, Plano, Texas 75093. Call before visiting an office.
Credit Delete Geeks
Credit Delete Geeks operates from Plano and combines credit report analysis with technology-assisted dispute work.
Its system reviews credit data from Equifax, Experian, and TransUnion and identifies information the company believes may warrant further investigation or dispute. The company also works with creditors and collection agencies.
Current public pricing lists a $9.99 credit report requirement, a promotional $399 initial price, and $79 monthly maintenance for no more than six months.
Credit Delete Geeks should provide the complete payment schedule in the written contract. Texas requires the contract to disclose total payments and an estimated service period of no more than 180 days.
Freshstart Credit Repair
Freshstart Credit Repair is a Corpus Christi credit repair company that works on inaccurate, outdated, false, or otherwise questionable credit report information.
The company starts with a free consultation. Its current website says employees review client credit reports rather than outsourcing the dispute work to automated software.
Freshstart bills monthly for work after that month’s services have been completed. Its website says consumers can cancel the service, but the detailed terms state that monthly-plan clients must provide 30 days’ notice and will receive one final monthly charge. Read the current contract before enrollment so the cancellation process is clear.
The company also advertises a 90-day money-back guarantee under stated conditions if it does not obtain at least one qualifying deletion during the guarantee period.
Freshstart says it is moving its main office. Its website currently directs mail and report deliveries to the Corpus Christi address listed below.
An additional phone number is 877-937-7047.
Infinity Credit & Financial Services
The company provides credit repair as part of a broader financial services business.
Its done-for-you program includes a credit audit, a personalized credit repair plan, an online client portal, letters to credit bureaus and creditors, credit report monitoring, and continuing credit education.
One useful feature is its billing structure. Infinity says credit repair work is billed in arrears, so clients pay after work has been completed.
The company also sells a do-it-yourself credit repair program for consumers who prefer to prepare their own disputes.
Infinity’s current location differs from the Frisco address previously listed on this page.
Superior Credit Repair
Superior Credit Repair serves consumers throughout Texas from its Rowlett location.
Its service focuses on reviewing credit reports, identifying inaccurate or questionable information, documenting issues, and preparing a plan for consumers who are working toward goals such as mortgage or auto financing.
The company also discusses rebuilding steps such as reducing balances and adding positive credit history rather than treating disputes as the only part of credit improvement.
Superior Credit Repair does not publish a standard price on its Texas service page. Consumers should request the complete fee and payment schedule before signing a contract.
White, Jacobs & Associates
The company operates from Plano and provides attorney-managed credit restoration and education.
Its current program uses a four-round review and dispute process. Clients receive a dedicated credit analyst, and an internal investigative team reviews the credit report and responses from credit bureaus and furnishers.
The company says its program lasts six months or less. That time frame also fits within Texas’s 180-day maximum estimated service period for credit services contracts.
The company states that it does not promise a specific credit score increase and does not claim that accurate and current negative information can be removed.
The Phenix Group
The Phenix Group provides credit repair from its Fort Worth office and serves consumers throughout Texas.
The company uses a credit report review to identify disputed information and build an individual plan. Its service includes a dedicated credit analyst and attorney involvement when the company believes legal support is appropriate.
The Phenix Group places significant emphasis on mortgage preparation. It works with consumers who are trying to correct credit report problems before purchasing or refinancing a home.
A free credit analysis is available before enrollment. The company does not publish one standard fee for every file, so consumers should request a complete written quote.
ASAP Credit Repair
ASAP Credit Repair is a Texas-based credit repair company with service pages for Corpus Christi, Dallas, Houston, and other Texas markets.
The company begins with a free credit review that identifies negative credit report items and the accounts it may pursue. It says disputes are handled at the same time rather than limiting clients to one or two accounts during each cycle.
ASAP uses flat-fee pricing rather than an ongoing monthly subscription. Its current main website says most clients pay about $499 and that pricing depends on the items the company agrees to pursue.
The company says most cases take about 60 to 90 days. Clients receive support from a senior consultant during the process.
Before enrolling, ask when the flat fee becomes due, what work it covers, and whether any later charges can apply.
How to Choose a Credit Repair Company in Texas
Texas gives consumers many local choices, so compare the service itself rather than choosing the first company nearby.
Look at total cost, payment structure, contract length, dispute frequency, customer access, credit monitoring costs, and refund terms.
Several Texas companies focus on consumers who are preparing for a mortgage. That can be useful if home financing is your main goal. Other consumers may prefer a broader credit repair program that addresses several types of disputed credit report information.
Check the Texas Secretary of State’s Credit Services Organization Search before enrolling. Registration does not guarantee good results, but it gives you another fact to verify.
Texas Credit Repair Laws
Most businesses that accept payment to improve a consumer’s credit history or credit rating must register with the Texas Secretary of State unless an exemption applies. Registration lasts one year and can be renewed.
Texas also has a $10,000 security rule, but it does not apply to every credit repair company automatically. The requirement generally applies when a company charges or receives payment before it has completed all promised services. The security can take the form of a surety bond or qualifying surety account.
Texas credit services contracts must disclose the payment terms, total amount due, promised services, and expected service period. The estimated service period cannot exceed 180 days.
Consumers also receive a cancellation right under state and federal law.
How We Evaluated Credit Repair Companies in Texas
Texas has many local providers, so we relied on current first-party information rather than old directories or review listings.
Each company needed a current website that clearly supports active credit repair or credit restoration services and a supportable Texas presence.
We reviewed current contact information, published pricing, payment structures, contract periods, guarantees, dispute methods, client portals, and mortgage-focused services when those details were public.
We also checked material changes from older listings and considered Texas registration requirements.
Frequently Asked Questions
The Texas Secretary of State provides a Credit Services Organization Search. Search the company’s current legal or business name before signing a contract.
No. The $10,000 security requirement generally applies when a credit services organization charges or receives payment before it has completed all promised services.
Texas requires the estimated service period in a credit services contract to be no more than 180 days.
Texas companies use several pricing models. The providers on this page include monthly subscriptions, flat-fee services, and programs with separate credit monitoring costs.
Several local companies focus on mortgage preparation. Compare their pricing, service period, dispute process, and experience with mortgage-related credit goals before choosing one.
Yes. Texas and federal law provide cancellation protections for covered credit services and credit repair contracts. Read the cancellation notice attached to your agreement for the applicable deadline and instructions.