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Credit Repair Houston Service

Don't Miss a free credit repair consultation!

from the best credit repair Houston company!

Are you being denied when applying for new credit cards?

And if you get accepted your rate is over 20%?

Well, you need a Credit Repair Houston company to fix your credit as soon as possible.

From 2014 until now, we have helped over 9,000 people and have been named as one of the best credit repair companies in Houston, TX.

Taking the first step to repair your credit is hard. We understand that.

There is a lot of things that you don't know. You are not sure how credit scores are calculated, how soon you can see improvements, and if you credit score can be improved - right?

Most likely, YES, you need a credit repair company

That's why Credit Repair Houston offers a FREE credit repair consultation over the phone.

That's right, it's 100% FREE.

No obligations, no contract, you don't have to sign up.

Call us today (361-209-0709)for a FREE credit card consultation - we will see what is going on with your credit and tell you how you can fix it, if you would like us to fix it - we will do that.

You can expect to see results within 60 days.

Consultation from Credit Repair Houston

How does credit repair work?

  • 1. You call us for a FREE consultation.
  • 2. We pull your credit for FREE and start discussing all the bad items you have on it.
  • 3. We explain how do we work and how we get your credit score increased.
  • 4. Basically, we take a look at all the negative and bad items. After that we find out if we can remove them.
  • 5. We prepare mail letters based on your behalf and mail the creditors and ask them to remove it.
  • 6. 87% of people who have bad credit shouldn't, but they do because of the inaccuracies on it.
  • 7. We continue disputing the negative items until they are removed.
it's about your credit
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Understanding the Basics of Credit Repair Houston

Repairing your credit score means you want positive events to appear on your credit history and get rid of the negative ones. Your credit score is the quickest way of getting to know what shape your credit history is in. If an institution wishes to know your credit history in detail, they review your credit report.

The institutions that do that often include banks, creditor and any other entities that forward loans. A credit history that’s in good shape makes it easy for you to get the loan you have applied for.

As mentioned earlier, credit score is the quickest way to know what your credit history is like. There is good score, bad score and average score wherein bad score means there are lots of negative events on your credit history and vice versa. Equifax, Experian and TransUnion are the three major credit bureaus that prepare your credit reports and can send them to you upon your request.

Credit Repair Houston, TX Service Explained

It is crucial to know what makes up your credit score so you have an idea of what you must or must not do to affect it. The factors that make up your credit score of Houston Credit Repair residents include the following:

  • Payment history
  • Available credit
  • Credit history length
  • Credit type
  • Recent credit inquiries

credit repair in Houston

Detailed View of Factors That Affect Your Credit Score

how credit scores work?

How Credit Works?

A huge 35% chunk of your credit score is your payment history. Throughout your life, you might require different types of loans finance things such as mortgages, car loans, credit cards, etc.

When it comes to repaying those loans, you have to follow a strict schedule. You miss or delay any payments, and a negative event appears on your credit history that blotches it for seven years. A lender will look at this event and think that you are not a trustworthy person to forward the loan to. They might not forward you the loan or keep the stakes so high that you refuse to take out the loan. Credit repair will always help you when done right.

Owed Amounts On Your Credit

The amounts you owe or the credit that is available to you makes up 30% of your credit score. Try to use only a small percentage of the credit that is available to you to keep this score positive. You can see that available credit and payment history make up for 65% of your credit score – that’s a lot!

History Length Of Your Credit

Creditors want you to have a long history. If your history is fresh, they don’t have much information to figure out how risky it is for their investments to forward you the loans. Credit history length is 15% of your credit score.

Diversity in Different Types of Credit

You might have taken out a loan for your car and paid it out in full without any delayed payments. However, creditors like to see that you have dealt with different types of loans e.g. students loans, mortgages, credit cards, etc. The more diversified your credit types are the higher you will score. Credit types make up for 10% of your credit score.

Recent Credit Accounts Opened

While you should build a positive credit history, a sudden surge of credit repair inquiries and new credit accounts might point to a negative event too. That’s 10% of your credit score.

Impact Of Credit Repair Scores On Financial Products

houston credit repair

Your credit score can impact any credit-related financial products to a large extent.

In fact for loans, mortgages, credit cards and any other transaction in which lending is involved, your credit score will be considered a threshold that determines whether you get the funds or not.

Residents of Houston who look for credit repair companies in Houston, please read this: if your credit score lies below 630 you will not be cleared for any funds, you may have to go the credit repair route for this.

What's Affects Your Credit Score?

Your credit score is not just determined by how much you have paid back or failed to pay, there are other components that also affect this rating. Your credit score will consist of the following components.

credit cards

History of Payments

Burden of Debt

Length of Accounts

Types

Latest Inquiries

The Top Credit Misconceptions

Time To Increase Your Score

You might think you have to make a lot of mistakes before there is a significant effect on your credit score but you are completely wrong. Your credit score can take a hit within a few months.

High Income

Your income does not have any impact on your credit score. It’s not about how much money you make but more about how well you manage the money. A person who makes only $3000 a month can have a better credit score than a person making $10,000 every month by managing their finances well.

Improve Your Score With Credit Repair Houston

In simple words, it is your credit score, not debit score. Any prepaid and debit cards you take out will have no effect on your credit history.

Repair on Your Own

Yes, credit repair companies charge you for their services, but keep in mind that their services are invaluable. A lot of the things your credit repair company will do can be done on your own but who will tell you what you have to do? You don’t want to go on a “hit and a miss” spree with your credit score. A professional repair company can do things within days that you will complete in months. They save you time and can look into things that you might not be aware of. Credit Repair Houston company can help you today!

Lexington Law Credit Repair will help all of those who are looking for a credit repair company.

Despite your financial expertise, credit repair is best left to a company with years of experience. One of your options, is to work with the trusted leaders in credit repair, Lexington Law Firm.

Lexington Law will evaluate your credit reports and customize a plan that is unique to your situation. They will also communicate to creditors and all three credit bureaus on your behalf. Past customers of Lexington Law have seen an average of a 40-point score improvement in the first four months of being on their service. Call us today if you need solid credit repair work. Credit Repair Houston is the best company to increase your credit score ASAP!

how does credit repair work

This is what you can expect from our credit repair companies

  • Work to improve your credit reports
  • Receive a free summary report and credit score
  • Talk with a credit consultant about your reports
  • Access online dashboard with updates

Contact Credit Repair Houston Today

for a FREE Credit Repair Houston Consultation

new credit score
With Credit Repair of Houston You Will Be Able To
780 credit score
Work to improve your credit reports
780 credit score
Receive a free summary of credit report today!
780 credit score
Talk with a credit repairconsultant about your reports
780 credit score
Access online dashboard with updates and see your credit repair results
credit repair houston, texas from Raise Up Credit Repair
Some information has been taken from:

Baesens, Bart, et al. "Benchmarking state-of-the-art classification algorithms for credit scoring." Journal of the operational research society 54.6 (2003): 627-635.
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Friedman, Nir, Dan Geiger, and Moises Goldszmidt. "Bayesian network classifiers." Machine learning 29.2-3 (1997): 131-163.
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