Top 10 Best Austin Credit Repair Companies

Top Credit Repair Companies in Austin

We understand having bad credit can be burdensome and for many people, this has become a huge issue. Sometimes circumstances lead even the best of us to have a less than desirable credit rating.  Let’s face it, in today’s cashless society, where everyone uses credit cards and ATM cards, you are judged by your credit rating any time you want to purchase something.

When it comes to bad credit, there are three things that you can do:

  • Wait for 7-8 years for the negative items to be erased from your credit report
  • Pay twice or thrice of the usual interest rates for your necessities, like car, home, et al
  • Dispute negative items in your credit report for substantially improved credit scores within a few months

We have identified the best credit repair companies in Austin to help you improve your credit. From coaching to education these companies can get you a fresh start to your future.

Luxury Credit LLC

7600 Chevy Chase Dr, Building 2 suite 300
Austin, TX 78752
(866) 936-3607

The mission of Luxury Credit Repair is to give you our customers access to limitless opportunities along the way. To make that happen, our team takes time to understand your wants and needs. Then make it a priority to educate you every step of the way. Why? Because we want you to succeed with or without us. –

Texas Best Credit Repair

9300 S Interstate 35 Frontage Rd
Austin, TX 78748
(512) 308-6000

Texas Best Credit RepairWe provide a 100 Point Guarantee Policy and 6 Month Free Guarantee Policy. We are the only Licensed and Bonded Credit Repair Company in Texas that dedicates our services to the Real Estate Industry. Attention: Please enroll via our website and a Certified Credit Expert will contact you. In-person Consultations are limited and by appointment only. Our consultative approach, finance knowledge, & credit repair expertise is superior to that of your typical credit repair

White Jacobs & Associates

200 Chisholm Place, Ste. 250
Plano, Texas 75075
(888) 505-9810

White Jacobs & Associates is an attorney-backed credit repair company that provides personalized plans for credit improvement. The company works with a variety of negative credit cases, including collections, bankruptcies, foreclosures, and delinquent student loans. The company’s credit repair program lasts a maximum of six months to ensure your credit disputes are resolved quickly and efficiently. –

The Phenix Group

7000 N Mopac Expy, Ste 200
Austin, TX 78731
(512) 886-4500

The Phenix Group is a credit consulting firm that provides credit restoration services to clients by offering solutions to common debt-related events, including bankruptcy, collections, foreclosures, judgments, and student loan consolidation. –

Austin Credit Group

(512) 697-9784

AustinCreditGroup.comAustin Credit Group provides clients with the tools needed to remove negative and inaccurate entries from their credit reports. The company’s fees are based on performance, so clients only pay for the items that are removed from their reports. In addition to credit dispute services, Austin Credit Group also provides credit counseling for long-term success. –

Credit Rx America

100 Congress Ave, Ste 2000,
Austin, TX 78701
(888) 882-1961

We believe that it is time that a Credit Repair company only get paid based on their results and are determined to make a positive difference in the lives of our clients by helping them improve their credit. We provide credit repair with no monthly fees! Pay for results, not promises. Nothing upfront, nothing monthly, Pay after results! –

Elevate My Scores

106 E Sixth St, Ste 900
Austin, TX 78701
(512) 807-6006

We have helped thousands of clients reach their dreams of homeownership, auto purchases, and other credit goals. We help 80% of our clients reach the dreams that follow the credit coaching plan we layout for them. If you truly want real credit restoration you will give us a call today for your free consultation. –


Longhorn Credit Repair

13359 N. Hwy 183, STE 406-1010
Austin, Texas 78750
​(512) 333-4933

Longhorn Credit Repair, LLCWe have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten. Credit repair firms cannot do anything that you couldn’t do yourself, but we can help you to achieve results in a​ fraction of the time without making costly errors. Give us a call or request a free consultation today! –

Credit Roadrunner Credit Repair

(844) 597-8663

logo_up.pngCredit Roadrunners mission is to help as many people as possible to improve their credit by, Fixing items that are derogatory, Removing items that are listed in error, Erasing items that should not be on a credit report, and Educating how to keep their credit in good standing. In that way helping people to be FREE from the downfalls of bad credit. Get a free consultation! Get a no-obligation free credit consultation now by one of Credit Roadrunner’s credit repair specialists and let us help you to the faster way to your financial freedom. –

Rock Credit Repair

(512) 701-2772

credit repair logoAs a credit repair expert, we use many of the credit laws that protect the consumer to eliminate debt. We do this by challenging all three major credit agencies that report to your credit. We specialize in repairing credit, credit counseling, we directly dispute to all three credit bureaus, fight collections, and help relieve major debts that are not yours or simply challenging them. –

How to Get a 700 Credit Score

1. Erase Negative Credit Items from your credit reports – repairing your credit begins with erasing damaging information such as charge offs, collections, repossessions, bankruptcy, or any information indicating a past delinquency. (by law, credit reporting agencies must delete items that are inaccurate, out of date, or unverifiable).

2. Establish Positive Tradelines with new or existing credit – Credit repair is not only about removing those items which are damaging your credit score. You must also establish good credit by paying your bills on time each month. If you do not have any existing credit – or all your loans have been charged off, then consider getting a new credit card and begin establishing new positive credit. This may seem obvious, but consider this recent quote made public by a major credit bureau:  “Having an open major credit card tells lenders you are a responsible borrower.


How Long Does Credit Repair Take?

Credit repair is not an overnight process. However, you can repair your credit reports relatively quickly by working efficiently. Efficient credit repair means you follow the proper avenues of dispute with the credit bureaus as well as work to build positive credit at the same time.

Making mistakes during credit repair will only delay the process and make it tougher should you enroll the services of a credit repair law firm in the future.

Sometimes credit repair should be trusted to professionals with legal experience. A law firm that limits its practice to credit report repair can (1) draft effective dispute letters (2) counsel you on the most effective credit score improvement techniques (3) erase negative credit items that are inaccurate, out of date, misleading, or unverifiable (4) execute “goodwill” negotiations for late accounts (5) file debt validation letters (6) take your case to court should your dispute require escalated intervention.

Will I Get Arrested for Repairing my Credit?

No. The credit bureaus would like you to believe that credit repair is somehow illegal. The reality is that credit repair is 100% legal. In fact, the Federal Government created laws specifically for the consumer which allow you to dispute credit report information that is inaccurate, out of date, misleading, or unverifiable.

Credit bureaus are very profitable private organizations who attempt to dissuade consumers from engaging in credit repair. This is because they lose profits when required to verify information. It cost them money, resources, and employee time whenever you challenge information on your credit report. However, it is much more costly to those with credit errors who do NOT perform credit repair.

Signs of Bad Credit

  • No credit card in case of an emergency
  • Rejected for a home loan and/or car loan
  • Being unable to rent an apartment
  • Denied a checking account
  • Denied a business or personal loan
  • Taking a bus to school or work
  • Denied car insurance

More Credit Repair in Austin Resources

Top 10 Best Credit Repair in Austin, TX
Reviews on Credit Repair in Austin, TX – Austin Credit Group (28 reviews), Texas Best Credit Repair (1 reviews), The Phenix Group (3 reviews), Credit Rx America (5 reviews), Elevate My Scores (5 reviews), Rock Credit Repair (3 reviews), Tricia Worley – CMG Financial (3 reviews), Credit Roadrunner Credit Repair (0 reviews)

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