Best Credit Repair Companies in Corpus Christi, TX
Jan. 24, 2020, 1:18 a.m.
Fixing your credit is a daunting task, especially if you have to tackle it alone. Hiring a credit repair company helps lift this stress while also lifting your score. Our partners at We researched the best credit repair in Corpus Christi to help you fix your credit and get your finances back under control.
If you need credit repair services in Corpus Christi, you’re not alone. In terms of credit scores, Corpus Christi residents fall far below the national average. Americans have an average score of 675, but Corpus Christi residents have an average credit score of 640. This puts them at No. 272 out of the 500 cities with the lowest credit scores in the nation.
Unfortunately, a low credit score significantly impacts your financial future by telling lenders that you are higher risk. Having a low credit score means:
Higher interest rates
Denials on rental applications
Low credit limits
Worse insurance rates
Required security deposits
If you have a low credit score and are thinking about applying for a loan or renting a new apartment, consider hiring a credit repair company in Corpus Christi.
Types of credit repair services
1 in 5 consumers had an error on their credit report in 2012, according to the Federal Trade Commission. When people corrected these errors, 20% of them experienced an increase in their credit score significant enough to help them qualify for better rates.
Credit repair companies in Corpus Christi comb through your credit report looking for inaccuracies they can dispute with the credit bureaus to improve your credit score. In addition to disputing errors on your credit report, credit repair services in Corpus Christi also work with credit companies to negotiate removing the negative marks that are keeping your score low, such as late payments. They also offer specific guidance on improving your score.
How much does credit repair cost?
Most credit repair companies in Corpus Christi charge $60 - $100 per month for credit monitoring and hands-on assistance. Expect the credit repair process to last at least six months.
In addition to your monthly fee, you may also have to pay:
Unfortunately, credit repair scams are common enough in Corpus Christi that it’s critical to know how to avoid them at all costs. There are many companies out there making grand promises that they cannot fulfill. To avoid scams, it’s important you know your rights and what you can reasonably expect from credit repair services.
According to the FTC, a credit repair company is likely a scam if it:
Requires upfront payment
Tells you not to contact credit reporting companies directly
Asks you to dispute accurate information in your credit report
Tells you to give false information to lenders
Doesn’t fully outline your legal rights
You should also be wary of any companies in Corpus Christi that try to promise a specific increase, such as a 100-point jump in your credit score. It’s nearly impossible for a credit repair company to promise such a specific improvement, let alone one that large.
Credit Saint has over a decade of excellent service and thousands of happy customers. It also holds an A+ rating from the BBB. All customers in Corpus Christi receive a 90-day, money-back guarantee and a personal advisory team. Reviewers call Credit Saint’s service helpful and friendly.
In its over 27 years of service, Lexington Law has removed millions of items from customers’ credit reports. All customers in Corpus Christi receive a free consultation where the company matches them to a specific service level, saving them both time and money. Reviewers say the service is worth every penny.
The Credit People provides its reputable and efficient service without charging customers for retrieving credit reports or including any hidden fees. The company’s cancellation policy and money-back guarantee are also among the best in the industry.
CreditRepair.com partners with reputable companies, such as Mint and Lending Tree, to provide trustworthy and impactful credit repair. On average, CreditRepair.com increases clients’ credit scores by 40 points in just four months. Customers in Corpus Christi choose from three levels of service, with customers saying the prices are more than fair.
Since 1989, Sky Blue Credit Repair has offered high-tech and high-impact credit repair services. Sky Blue’s specialized experts offer hands-on guidance and its services are some of the quickest in the industry. The company also provides complimentary services such as debt validation, which customers say is honest and detailed.
As one of America’s fastest-growing companies, The Credit Pros provides excellent service at a low cost. The Credit Pros has an A+ rating with the BBB and is committed to excellent customer support, which includes free cancellation. The Credit Pros comes highly recommended by many reviewers.