Additionally, Safeport Law provides access to 24/7 online account tracking and a dedicated team to handle your case. Then there are monthly fees for their ongoing efforts, which range from $70 to $150. They’ll also liaise with your bank or other creditors to dispute inaccurate information.

Credit Repair Services

We offer personalized credit restoration solutions tailored to your unique needs. The offers that appear on this site are from companies that compensate us. But this compensation does not influence the information we publish, or the reviews that you see on this site.

Ask For A Credit Limit Increase

The National Foundation for Credit Counseling and the Financial Counseling Association of America provide lists that are good places to start searching for a certified credit counselor. Simply reach out to us, and a credit coach (not a salesperson), will respond shortly to answer your questions. I know that when I send a client or potential client your way for help with their credit situation, they will be treated with respect, and receive great service at a reasonable price.

Once you have your credit reports, go through each one carefully. Even a small mistake can lower your credit score or cause a denial for a loan or credit card. 15% of your credit score hinges upon the length of your credit history.

Credit Repair: How To Fix My Credit

It’s important to be sure your credit reports at all three national credit bureaus (Experian, TransUnion and Equifax) provide a true picture of your borrowing and payment history. They kick off their service by providing clients with credit reports and scores from all three credit bureaus. They also offer 24/7 online account access to manage various credit issues, such as late payments, collections, charge-offs, foreclosures, repossessions, bankruptcies, tax liens, and judgments. New clients receive a free credit evaluation to see if The Credit People’s services are the right fit. Credit repair is the process of restoring your credit score by evaluating your credit report and making some important financial adjustments. You can either do this by paying a reputable credit repair company or by do-it-yourself (DIY) credit repair.

With so many services available, finding one that’s both reputable and effective is important. creditrepair why we’ve reviewed and ranked the 6 best credit repair companies in Texas for 2025. Whether recovering from debt or planning a big financial move, these trusted providers can help you take control. But in the end, it is worth it since your score can drastically impact many parts of your life. Credit monitoring, on-time monthly payments and healthy financial habits are keys to having better credit. Be patient and stick to a strategy that’s been proven to succeed.

Whenever you apply for new credit, the lender checks your credit report. This is called a hard inquiry and can briefly lower your credit score by a few points. If you truly need new credit—such as a debt consolidation loan—don’t apply until you find loans you’re likely to qualify for. At Pinnacle Credit Repair, we fight for your financial freedom using cutting-edge AI technology and federal credit laws to remove negative items fast — often within 15 to 45 days. In some instances, it may be nice to have a company advocating for you to the credit bureaus, given that they can be unresponsive to credit disputes filed by consumers.

The FICO Score 8 gives you a good sense of your credit health but it may not  be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. You do not need to be a Capital One account holder to sign up for CreditWise. Becoming an authorized user on the credit card account of a family member or friend gives you access to their line of credit. And if their credit card issuer reports the activity of authorized users to the credit bureaus, the primary account holder’s good credit and responsible use of their card could help you build your credit.