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About 34% of Americans have at least one error on their credit report, an issue that can lower your credit score and make it harder to get a low-interest loan from a lender1.
While credit restoration is something you can do on your own, many people choose to hire a credit repair service to assist with the process and get instructions on disputing errors.
If you live in the El Paso area, you have several options when choosing a credit repair company.
Best Credit Repair Companies in El Paso
Source: Credit Cop
Credit Cop is a credit repair attorney service with no upfront costs to the client, and could possibly win a settlement on the backend.
If they find Fair Credit Reporting Act (FCRA) violations, they will sue the major credit bureaus on your behalf.
Because credit bureaus receive so many lawsuits, they often settle, with the end result being credit errors being removed from your record along with a settlement (typically a few thousand dollars).
Credit Cop has attorneys in every state, including Texas.
If they deem there are violations on your credit history, they’ll refer you to the local attorney in El Paso that they collaborate with, and that attorney will file the lawsuit.
The lawsuit will typically get settled within three to nine weeks, which is when you’ll receive your money.
At the moment, Credit Cop is the only credit repair company offering this exact service on this scale.
Source: Credit Glory
This is a national company that serves El Paso and offers ASAP credit repair.
They help a client fix bad credit by disputing inaccuracies involving:
- Late payments
- And more
There are two main things that we like about Credit Glory.
First, they have simple, straightforward pricing and a money-back guarantee.
Source: Credit Glory
Second, they have one of the best reputations in the entire credit repair industry.
As of August 2022, they had 4.9 out of 5 stars from Trustpilot, with a staggering 96% of reviews being excellent.
If you browse through their reviews, the vast majority are glowing, with customers raving about the service, expertise, and communication.
Only a tiny segment of customers had something bad to say about Credit Glory.
And that’s extremely difficult to come by with a modern credit repair company.
If you’re looking for a reliable credit repair service in El Paso with consistently positive reviews, this is a top contender.
Source: Credit Boosters
Credit Boosters serves El Paso and Dallas, Texas, as well as the Las Cruces, New Mexico area.
Their specialists “have been certified as Board Certified Credit Consultants, Certified Credit Repair Specialists, Certified Credit Score Consultants, and FCRA Certified Specialists by the Credit Consultants Association.”
The main selling point of Credit Boosters is that they offer affordable credit repair with an emphasis on friendly, personalized service.
And judging by their reviews, they deliver, given that they have received 4.7 out of 5-stars on Google, with most customers being very satisfied with the service.
Besides that, Credit Boosters was ranked as one of the best credit repair companies in El Paso in 2020 by Expertise.com.
If a low credit score has hurt you through no fault of your own, this local credit repair company can put you back on track towards obtaining good credit.
360 Credit Repair
360 Credit is another local credit booster company that’s based directly in El Paso and even has a local number.
This is a small-scale operation that has a very personal touch. So if you’re turned off by corporate companies and prefer a one-on-one experience, 360 Credit should be on your radar.
In particular, they specialize in deleting inaccurate, incomplete, and unverifiable items such as the following from your credit report:
- Personal data
- Late payment
In their own words, “Let us help you guide the way to a better future and better credit…Take advantage of our knowledge and advanced technology, and we’ll help you create a personal game plan to help you repair your credit.”
As for reviews, they’re largely positive, with a 4.7-star rating on Google.
Source: Google Reviews
It’s Time Credit Repair
Source: It’s Time Credit Repair
Also a local company operating in El Paso, It’s Time Credit Repair focuses on credit repair by disputing errors with the three major credit bureaus of Experian, Equifax, and TransUnion.
They start with a free credit repair consultation where they become familiar with your credit history and gather information on any issues that may be negatively impacting your credit score.
Some examples include late payments, tax liens, charge-offs, medical bills, and repossessions.
From there, It’s Time Credit Repair gets to work on repairing client credit, while also advising you on steps you can take to further boost your credit score long-term.
For accolades, they were voted as one of the best credit repair companies in El Paso in 2021.
And they have a respectable 4.1 rating on Google Reviews. In particular, customers commended the company for its courtesy, professionalism, and excellent service.
Source: Credit Saint
While Credit Saint is a national company and not headquartered in El Paso, they serve most of the country, including states like North Carolina, South Carolina, and Texas.
We chose them because of their impressive credentials.
For instance, they’ve been ranked number one by leading financial sites, such as Money, Observer, and Consumer Affairs.
They’re also a Better Business Bureau accredited business.
And they have a 4.8 out of 5-star rating on Google, currently with over 4,700 reviews, making them one of the more reputable credit repair companies in the country.
Besides that, Credit Saint offers some other great perks, which include a free consultation, quick fix, credit repair, and a private dashboard where you can see a full analysis of what’s happening on your way to a new credit life.
Source: Lexington Law
Finally, there’s Lexington Law—a national company that serves the El Paso area.
One of the things we like about them is the level of transparency and detail they offer.
When starting out, they’ll provide you with a free online credit report consultation, credit score, credit report summary, and credit repair recommendation.
Right off the bat, this puts you in the driver’s seat so you can better understand what has led to your poor credit and how you can get back on track to good credit.
From there, Lexington Law will challenge and dispute negative items with the end goal of getting them removed from the credit bureaus to improve your average credit score.
After that, they’ll help you manage and monitor your credit to continually improve your score and achieve a new credit life.
Currently, Lexington Law has a 4.7 average rating across sites like Google, Facebook, Trustpilot, and more.
How Much Does Credit Repair Cost in El Paso?
It’s completely free if you handle it yourself.
If, however, you hire a reputable credit repair company to provide assistance and guidance, it usually ranges between $19 to $149 per month ($100 is the average).
When hiring a credit repair company, you’re paying for their knowledge, expertise, and the convenience of improving your credit score.
Note that you should always get a credit repair quote before making an official decision.
What is the Fastest Way to Repair Your Credit?
1. Get your credit score (you can get a free credit report from each major credit union once per year).
2. Check for errors that could be leading to bad credit.
3. Dispute those errors.
4. Pay off balances, starting with high-interest accounts first, then move on to lower-interest accounts.
5. Minimize your credit utilization ratio.
Paying for credit repair in El Paso and going through one of the companies listed above is a great way to streamline the process and reduce the time doing credit repair on your own.
You can also use credit repair software to fix your credit.
Is Going to a Credit Repair Company Worth It?
Again, a credit repair company doesn’t do anything you can’t do yourself.
That said, they do provide guidance and assistance, which many people find beneficial when navigating the complexities of credit repair.
With the fees of most companies being fairly reasonable, going this route is often worth it, as it can set the stage for good credit and give you a new credit life.
This makes it easier to overcome bad credit, get a personal loan or auto loan, get better rates on a credit card, and generally improve your financial position.
Even with the lowest credit score, you can boost your credit and gain positive momentum.
Nick is an author, small business owner, and finance/digital marketing writer. He’s been covering the industry for over a decade and loves exploring topics to help other small businesses succeed. You can connect with him at Nnickmannwrites.com