Best Credit Repair Companies in Houston, TX

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Understanding our Review process

Our goal is to offer pointers to the greatest local professionals. We evaluated Houston Credit Repair Companies based on more than 25 characteristics in five key areas, then analyzed the data to present you with a hand-picked selection of the finest.

Stage 1
Deep Dive

The first step involved gaining a firm understanding of the service under consideration. This was done through a comprehensive check of all website pages, social media pages, and third-party services.

Stage 2
Trust Verification

At this stage, our experts watched out for any peculiarities with the services that could indicate suspicious behavior, for instance, failing to disclose their work process or not providing a verifiable physical address.

Stage 3
Suitability Matching

Our experts considered if the services matched the client’s expectations in terms of price or service features. We left out companies that lacked standard features such as modern portals or services charging abnormal rates.

Stage 4

We tried to rate and score the companies across the key focus points, making it easier for our experts to generate the rankings and find the best performers. Only the best companies passed the tough qualification process to be considered for Credit Repair in Houston.

Stage 5
Review Prep

With deep insights into the operations of different Houston Credit Repair Companies, our team of passionate experts had all the knowledge needed to prepare an in-depth review touching on all major aspects that customers care about.

Top 6 Houston Credit Repair Companies

Finding the best credit repair companies in Houston shouldn’t be a daunting endeavor. Check out our list below to find the best-rated reputable Houston-based credit repair companies.

  • Credit Saint
  • Lexington Law
  • Credit Glory
  • Expect More Restoration Services
  • Impeccable Credit Services
  • Phillips Credit Services

We will discuss how you can access these repair services, outlining their individual strengths. Read below for more.

Credit Saint

  • Consistently ranked as the top service on finance sites
  • Offers unlimited challenges per dispute cycle
  • Free non-obligatory credit repair consultation
  • Tailors services and disputes to each situation
  • One-to-one inquiry assist process
  • BBB Accredited
BBB Rating: A
Setup fee: $99-$195
Monthly fee: $80-$120
  • 90-day refund policy means a worry-free service
  • Offers education on other ways to optimize scores
  • Intuitive dashboard for tracking challenges
  • Responds to complaints with care and attention
  • Well-rounded basic package for $79.99
  • Setup fees are above industry rates
  • Only available in 39 states

People in Houston and the surrounding areas can choose from a selection of credit assistance solutions offered by Credit Saint LLC. This is a BBB-accredited company that has managed to get an A+ rating score, as well as favorable reviews on sites like Investopedia. Customers can get a free credit assessment, an online dashboard, and three levels of credit restoration. Offered packages go as low as an affordable price of $79.99 per month, plus a 90-day money-back guarantee. Although doing credit repair in Houston, Credit Saint was established in New Jersey and has been serving clients nationwide for over 15 years.

  • Location: Park 80 West
  • Phone: +1 877-637-2673
  • Hours: Mondays to Fridays 9 a.m. – 10 p.m., Saturday 12 a.m. – 8 p.m., Sunday 12 p.m. – 8 p.m.

Lexington Law

  • Utilizes digital partnerships for faster outcomes
  • The most popular credit repair app on Android and iOS
  • Founded and operated by attorneys
  • A Progrexion Holding Inc Consumer Brand
  • Highly experienced with 221M+ challenges since 2004
BBB Rating: C
Setup fee: $89-$129
Monthly fee: $90-$130
  • Offers coaching to encourage good credit behaviors
  • Leverages each angle of the law for better success
  • Known for fast and effective disputes
  • Monitors each aspect of the service through the app
  • Offers dedicated focus tracks to deal with life events such as divorce
  • Packages have become expensive
  • No service guarantee or refund policy
  • Not BBB Accredited

Lexington Law is one of the top credit repair companies with more than 17 years of expertise, an A+ rating, and 56 million deletions under its belt. To help you achieve the best credit repair in Houston, the business combines legal experience with the most sophisticated technology solutions to provide credit repair in Houston.

Customers can pick between three levels of service or repair plus a variety of add-ons. One of the top mobile apps in the market belongs to the organization. Customers can enjoy free credit reports and consultations. The cost each month ranges from $89.85 to $129.95. Also, customers might expect to see good outcomes after six months. There isn’t a money-back guarantee. Services can be canceled at any moment.

  • Location: North Salt Lake, Utah
  • Phone: +1-877-540-1344
  • Hours: Monday to Friday 7 a.m. – 7 p.m. (MST)

Credit Glory

New York-based repair company, Credit Glory, is rated A+ and serves customers in Houston. The firm assists clients in repairing their credit by finding and disputing credit report errors such as charge-offs, delayed payments, and inaccurate amounts. In addition to single-dispute services, the firm provides tiered repair services that cover numerous contested charges. The company’s simple sign-up process allows customers to start the restoration process right away. It handles all associated paperwork and discussions with creditors and bureaus.

  • Location: New York, NY
  • Address: 99 Wall St #1690, New York, NY 10005
  • Phone: +1 (855) 938-3044
  • Hours: Mon to Fri 9 a.m. – 8 p.m., Saturday and Sunday 9 a.m. – 5 p.m.

Expect More Restoration Services

Clients in Houston can rely on Expect More Restoration Services for repair services. This trusted credit repair company works with customers to identify irregularities on reports, such as collection, bankruptcy, and charge-off errors, using its deep understanding of consumer rights and regulations. The agency then directly contacts the proper creditors and credit bureaus to clear the negative marks using traditional dispute techniques. The business also assists clients with difficulties such as identity theft, fraud, and bad settlements.

Location: Houston, TX

Address: 2425 W Loop S Suite #200, Houston, TX 77027, USA

Phone: +1 713-429-2769
Hours: Mon to Fri 1 p.m. -7 p.m.

Impeccable Credit Services

It is a Houston-based credit repair specialist that focuses on helping people and businesses improve their ratings and financial health. The professionals challenge negative and unverifiable things found in customers’ reports. They also assist firms with the establishment of new positive tradelines as well as the management of tax liens, collection accounts, judgments, and foreclosures. The company also provides education in addition to aiding with charge-offs, bankruptcies, repossessions, student loans, and late payments.

Location: Houston, TX

Address: 3100 Timmons Ln Ste 145 Houston, TX 77027

Phone: 713-378-1500
Hours: Mon to Fri 9 am-5 pm

Philips Credit Services

Credit clean-up companies like this one offer clients in Houston and the nearby areas pristine services. It offers corporate and personal credit and funding, life insurance, and credit-building programs. Also, the organization employs aggressive disputing procedures and tactics to dispute bad items on reports with the credit agencies. Its team of experts provides a 20-minute telephone session to review a client’s objectives and existing circumstances. The company also advises clients on how to use their credit correctly. Note that this repair company does not offer free credit repair services.

Location: Houston, TX

Address: 16350 Ella Blvd HOUSTON, TX 77090

Phone: +832.340.6011
Hours: Mon to Fri 9 a.m. -6 p.m.

Credit Repair in Houston

For you to boost your credit score, you must delete unfavorable events from your history and replace them with positive ones. Examining your score is the easiest approach to discover the state of your history. If a company or credit repair attorney in Houston needs to learn more about your history, they’ll need to look at your report.

Banks, creditor institutions, and other loan-forwarding entities are frequently involved. You’ll have a smoother experience getting the loan you’ve applied for if you have a clean history. Credit scores are divided into three categories: good, bad, and average. A low score reflects a large number of unfavorable events in your history and vice versa.

The 3 credit bureaus that compile your scores and can deliver them to you upon demand are Equifax, Experian, and TransUnion.

Credit repair is better left to Houston credit repair companies with years of experience, regardless of your financial expertise. A chosen company will examine your reports and create a plan tailored to your specific needs. They will also engage on your behalf with creditors and all three bureaus.


Yes. It’s worth noting that credit repair is permitted in each of the 50 states. Customers have a right to challenge inaccuracies on their reports and have them rectified under federal law. Federal law also governs how credit repair business firms can give services to customers.

For their services, repair organizations in Houston use a variety of pricing strategies. Some companies demand a monthly fee varying from $50 to $150, plus a one-time setup charge of up to $600. Others charge by the record, typically between $20 and $100 per record, including any setup or audit expenses.

Credit Saint is the most aggressive repair company. Their Clean Slate plan includes limitless bureau challenges, inquiry targeting, a score tracker, and creditor interventions, as well as a score tracker.

The process of repairing bad credit can only be successful if the client is readily responsive and available. To achieve a fast and seamless process, clients need to be available to supply supporting documentation, orientation, advisory sessions, and many more.