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FAQ About Credit RepairHonest And Surprising Answers To
Your Questions About Credit Repair

We've Listed All The Most Common Questions
We Receive To Help You Truly Understand How
Credit Repair Will Literally Change Your Life

What is Bad Credit?

Bad credit is any adverse or negative past payment information that appears in your credit profile.  Your past payment history represents the largest factor in determining your credit score and is therefore the starting point if you wish to significantly increase your score.  If you're just learning about how the Credit System works, click here to Get The Facts About Credit.

How Long Does Bad Credit Remain On My Report?

Credit bureaus report bad credit information for a period of seven (7) years. Some states have special provisions for collections and paid liens. Chapter 7, Chapter 11 and Chapter 13 Bankruptcies are each reported for 10 years and the date is measured from the date of the filing. 

So, What Is Credit Repair Really All About?

Credit Repair is the process to remove inaccurate, outdated or unverifiable information from a consumer's credit profile.  This information may adversely affect your credit score.  If you have recently been turned down or are unable to obtain financing due to a low credit score, Credit Repair is one option for you to consider.

Sounds Shady, Is Credit Repair Really Legal?

Absolutely!   Congress has firmly established your legal rights pursuant to the Fair Credit Reporting Act, Fair Credit Billing Act, Truth in Lending Act and other federal statutes.  Credit Reporting Agencies are required by federal law to remove all inaccurate information within 30 days if it cannot be verified by an investigation.

C'mon Now, Can You Really Delete Bad Credit?

Only the credit bureaus can actually delete bad credit.  And the good news is that with our help, they do it every day for our happy, happy clients.

It really works!  How do you think we could we stay in business for 8 years if it didn't?

Just take a look at the results below.  These are real clients from Houston, Texas. Real people just like you, many of whom have gone on to buy a new home.

You see, you have the right under federal law to question any and every item contained on your credit report.  With our help, here's what's possible...
While no one can guarantee a specific result, by working with a knowledgeable company, bad credit can be permanently deleted from your credit report.

What Kind Of Stuff Can Be Removed From My Credit Report?

It is possible to remove virtually any type of adverse information.  This includes; late payments, collections, charge offs, student loans, repossession, medical bills, identity theft, foreclosures or bankruptcies.

Yes, it's true,
even serious "deal breakers" like tax liens and judgments have been successfully DELETED!

Every day, we help thousands of clients restore their good credit rating and get their freedom back.  By helping them remove the bad stuff, they could see a significant increase in their credit score in just a few, short months.

We also help remove old addresses and all incorrect names, you know, stuff like that.

If you have ever been a victim of identity theft, you know how much that sucks. Regardless of what others say, there is no better solution than a good credit repair company.

Alright Then, How Long Does It Usually Take?
First of all, be realistic.  Credit Repair is NOT a Quick Fix! 

Everyone's situation is different and no company can make any promises about a specific time frame.  However, in most cases, it usually takes 120 to 180 days, although some people see significant improvement in less time.

Read this carefully...

Anyone who claims that they can guarantee you a better credit score in 30 or 60 days is making a claim that they cannot support and you should very very cautious about giving them any of your hard-earned money.

Great, But Are These Deletions Just Going To Reappear Later?

Good question, but it's not likely.  While it's possible a old collection could be sold and show up as a new item, the way we do it, precious few will re-appear back on your credit when the credit bureaus remove a bad credit account. 

Can't I Just Pay Off My Old Collections To Repair My Credit?

Sure, now that sounds logical, right?  

Unfortunately, the credit reporting system doesn't work that way.  And this is probably the BIGGEST mistake people make when trying to improve their credit.

You see...

When you pay an old debt, the negative credit listing doesn't disappear. In fact, it re-ages and the seven year clock begins again with that negative listing.    So, it could actually cause your score to go DOWN... (Ouch!)

The most ironic thing is that a paid, current negative listing is not any better than an unpaid negative listing.   Trying to do this stuff yourself is another of the BIGGEST mistakes people make.

Can't I Just Dispute The Negative Items Myself?

Sure, you can try...

You could also perform surgery on yourself.  Fortunately, few of us are actually foolish enough to try it. 

The credit bureaus and federal government claim you can easily dispute items on your credit reports, but this is simply not the case.  Making the slightest error could seriously hamper your chances of having your credit problems resolved.  

The good news is that we do all the work for you. Since 
we work with over 8,000 clients every year, we can constantly develop and test new strategies to make sure that we are getting the best results.

You have a lot of things to do; work, family, friends, hobbies, soccer practice, girls night out, poker night with the guys, etc. 

Your time is very precious.  Sure you can find sample letters and cheap courses that have been shared a million times on the internet.

But that won't get you good results and it could cost you a lot of time.  If you don't know what you are doing, it's easy to make a mistake.

You could spend months learning just the basic principles and still have no idea what to do when you receive a letter that says....

"Our records show that your creditor(s) previously verified as accurate the items listed below.  Therefore, under the Fair Credit Reporting Act, we consider this dispute frivolous..."

Rut rho... now what?

Aren't The Credit Bureaus Regulated By The Government?

Yes, they are one of the most regulated businesses due to their prior bad behavior.

Congress has passed several laws to protect you. However, they are under NO OBLIGATION to ensure that your information is accurate.  This responsibility is left to the consumer... that's you!

Furthermore, they have NO FINANCIAL INCENTIVE to investigate your request if you have inaccurate or outdated information on your credit reports.

That's why they are nearly impossible to deal with.  

Don't believe us... just give one of them a call.

They have established very elaborate, computerized systems to quickly dispose of disputes and frustrate the entire process so you give up after banging your head into the wall. 

 It is best for you to find a professional team that can help.

Credit Reporting agencies are BIG TIME money-making corporations that are in business to make a PROFIT.  They are under NO OBLIGATION to ensure your information is accurate.  As a result, millions of Americans have inaccurate information on the credit report which is adversely affecting their credit scores...

"It is outrageous that inaccurate credit reports could damage 1 in 4 consumer's ability to buy a home, rent an apartment, obtain credit, open a bank account, or even get a job."

Ed Mierzwinski
Consumer Program Director
U.S. Public Interest Rearch Group

So How Do I Find A Reputable Company?

This really is the BIGGEST question!  There are a lot of companies that claim they can repair your credit, but few are truly able to consistently make much of a difference.

Some will have decent results for some clients.  And others... well, they just don't get good results at all.  We hear it all the time.

You've probably talked to someone who got ripped off by a credit repair company, right?  

The Federal Trade Commission is constantly warning consumers about these companies. 

And they should! 

Only a very, very small handful of companies know and FOLLOW the laws our government has passed to ensure you get the an ethical and honest service in this industry. 

You just need to find someone whom you can trust...

Someone who is dedicated to educating you...

Someone who will take the time to explain things in language a toddler will understand...|

Someone who has your best interests at heart..

And someone who has a very cost effective solution to your bad credit problems.

Someone like US!!!

We know exactly what to do and how to do it.  By working with our professional team, thousands of people, just like you, have been able to obtain financing and resolve their past credit issues.

Can you imagine how good it will feel to be able to get approved for a new home or car? 

Or having the freedom and security knowing that your financial future is on a rock solid foundation?

If you're ready... just give us a call right now... 281-727-0351

How Can I Be Sure That I'm Not Going To Get Ripped Off?

The easy answer is to talk with the most reputable company in the State of Texas and let us help answer any final questions you may have.

We have the perfect solution.  We offer a FREE (no obligation) credit strategy session. Let us evaluate your current situation and determine what the best course of action is going to be for you.

If you haven't already called, what are you waiting for? 

Stop messing around and give us a call right now 281-727-0351.

How Can I Be Sure That My Personal Information Is Safe?

Your personal information is perfectly safe and secure.  We take your personal privacy very, very seriously.

We're one of the only companies that actually reads the legal statutes and institutes policies to stay in compliance.  

You'll feel confident knowing that your personal information is safe and secure.  We probably do a better job at it than you do.

We believe that staying on top of regulatory changes in the industry is one of the ways we separate ourselves from other "less professional" companies. 

There are a lot of companies that have never heard of these new regulations, much less have adopted a program in advance of the deadline.

I'm Convinced!  How Much Is This Going To Cost Me?

Well, that's a great question.  The truth of the matter is that a small investment in your future today doesn't really cost you at all.

It pays!  In fact, it could easily completely pay for itself in just a few months.

Are you wasting your hard earned money every month on rent?  Paying $500, 700 or $1,000 making someone else's mortgage payment?

If so, then you need to stop doing that and buy a new home, so you can put that money to work for you.

Few people actually understand just how much bad credit is really costing them every year.  Besides wasting your money on rent, you could also be paying way to much for your car loan, paying excessive interest rates on credit cards and even paying more than you should for car insurance.

Not to mention the fact that many employers are now checking your credit before they will offer you a job.  Imagine losing your job and not being able to be hired because of your credit.

We guarantee you'll be surprised at how affordable we make it.

Only $99 per month plus a one-time set up fee to get things going.

Give us a call today and let's get started.  281-727-0351.

That Sounds Great, So How Do I Get Started?

If your prior credit history is preventing you from living the life you desire, we offer you the perfect solution.  It's completely legal, simple and just waiting for you to take the next step!  

If your ready to stop messing around and put your  past credit problems behind you for good...                                                                       

Get Started With Credit Repair

This was a real

"Our home got wiped out when  Hurricane Ike devastated Houston and we couldn't get approved for a new loan due to some unknown judgments.  

Our loan officer told us there was NOTHING we could do and suggested we contact a reputable credit repair service in Houston.

Since we only had a few months on our lease we were unsure if credit repair would really work.

But within 4 months we were able to close on a new home in Humble, Texas.

This was a real God-send."

      Rod & Becky Yarbrough Humble, Texas


We were tired of wasting our
money on rent...

"We were tired of wasting our money on rent.  

We really wanted to buy a home, but were denied due to some old credit problems which we didn't even know we had.

Our RE/Max realtor told us to call a professional and we're so glad he did.

We thought it would take a year, so we were really surprised that BOTH of our scores jumped up over 100 points in just a few months.

We recently moved from Houston into our new home in Sugar Land and couldn't be happier."

Graciela Ribeiro &
Rodney Telfor
Sugar Land, Texas

Houston Credit Repair

Call The Credit Repair Experts!


Houston Credit Repair

7941 Katy Freeway
Suite 401B
Houston, TX  77024

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Houston Credit Repair    7941 Katy Freeway  Suite 401B      Houston TX  77024     Phone:  281-727-0351
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