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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.

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#1
MOST POPULAR
Credit Saint

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VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#1 MOST POPULAR
Credit Saint
Credit Saint
Features
  • Available in Corpus Christi
  • 90-day guarantee
  • A+ BBB rating
  • Full credit restoration
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VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#2
Lexington Law
Lexington Law
Features
  • Available in Corpus Christi
  • 3 service repair options
  • Services start at $89.95
  • 24/7 online monitoring
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#3
The Credit People
The Credit People
Features
  • Available in Corpus Christi
  • 32% avg. increase in credit score
  • Creditor interventions
  • Debt & inquiry validations
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VISIT WEBSITE
CALL THE CREDIT PEOPLE
(877) 696-3650
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#4
Creditrepair.com
Creditrepair.com
Features
  • Available in Corpus Christi
  • Starts at $99.95/month
  • 24/7 monitoring & alerts
  • Partner with all bureaus
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#5
Sky Blue Credit Repair
Sky Blue Credit Repair
Features
  • Available in Corpus Christi
  • Negotiation guidance
  • 90-day guarantee
  • 15 disputes every 35 days
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VISIT WEBSITE
CALL SKY BLUE CREDIT REPAIR
(888) 751-6072
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#6
The Credit Pros
The Credit Pros
Features
  • Available in Corpus Christi
  • Free consultation
  • Credit advice
  • Easy-to-read reports
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VISIT WEBSITE
CALL THE CREDIT PROS
(844) 441-1397
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The need for credit repair in Corpus Christi

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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:

  • Initial set-up fees
  • Fees for obtaining credit reports
  • Software fees

Do not pay for your actual credit repair services upfront. Legally, credit repair companies cannot charge upfront payments and have to offer refunds.

How to avoid credit repair scams

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

Credit Saint

CALL CREDIT SAINT

(478) 845-6310 VISIT CREDIT SAINT

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.

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Lexington Law

Lexington Law

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.

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The Credit People

The Credit People

CALL THE CREDIT PEOPLE

(877) 696-3650 VISIT THE CREDIT PEOPLE

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.

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Creditrepair.com

Creditrepair.com

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.

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Sky Blue Credit Repair

Sky Blue Credit Repair

CALL SKY BLUE CREDIT REPAIR

(888) 751-6072 VISIT SKY BLUE CREDIT REPAIR

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.

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The Credit Pros

The Credit Pros

CALL THE CREDIT PROS

(844) 441-1397 VISIT THE CREDIT PROS

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.

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