Best Credit Repair in San Antonio, TX

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by Kathryn Parkman ConsumerAffairs Research Team

Sometimes, credit debt can hang over us and cripple our lives. However, taking the step to eliminate some of the negative items from your credit history is a big decision. Choosing to work with a credit repair company in San Antonio requires research, planning and patience. We designed this list to help make that choice easier.

Top 13 San Antonio Credit Repair Companies

Credit Saint
Read 46 Reviews

A credit restoration company. Changes to credit history are often seen in 45 days. A 90-day money-back guarantee includes a personal advisor and online system to track progress. Monthly fees range from $60-100.

toll freenumber(844) 598-8459 Visit Website
Sky Blue Credit Repair
Read 74 Reviews

Sky Blue Credit Repair professionals do not work on commission and focus only on helping clients reach goals. Since 1989, the company has helped millions of consumers erase erroneous credit report items and raise credit scores.

toll freenumber(844) 729-7792 Visit Website
Lexington Law
Read 1494 Reviews

Free personalized credit consultation and three service levels offered that range from $89.95-$129.95/month. One-time first-use fee charged 5-15 days after sign-up. Service is month-to-month and can be cancelled anytime.

toll freenumber(855) 464-9621 Visit Website
Read 24 Reviews

Credit Repair services are unique because they go beyond one-time credit repair by helping clients develop a long-term healthy relationship with credit. Certified FICO professionals empower people for long-term financial success.

toll freenumber(844) 211-7298 Visit Website
The Credit Pros
Read 33 Reviews

The Credit Pros began in 2009 when an attorney and a business man banded together to fight the Big 3 credit bureaus to help change consumer lives. Clients can enjoy better lifestyles as a result of the accurate credit reports.

toll freenumber(844) 335-5496 Visit Website
Credit 360 Consulting
Read Expert Review

Offers one of the most aggressive programs in the credit repair industry. Works with a pay-for-performance program and boasts a 200% money-back guarantee.

Credit Restoration of Texas
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Provides clients with free credit analysis and service guarantees. Track your credit repair status 24/7 to monitor changes or improvements. Pricing is based on your credit profile.

CTR Credit Repair
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Offers payment plans for credit repair services. One-time fee covers six months of service dedicated to improving your credit score. Clients typically see results in 30 to 45 days.

Paramount Credit Services
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Offers credit restoration starting at $129 for six months of disputes and eliminations with all major credit bureaus. Also assists with debt negotiation and loan assistance.

Texas Best Credit Repair San Antonio
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Offers four different credit repair plans, all which include a 100-point guarantee policy, a six-month free guarantee policy and a 5-Day no-hassle 100% refund policy. See results within 35 to 45 days.

Texas Custom Credit Repair
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Provides a free initial credit evaluation and money-back guarantee. Offers a 10% discount to first responders, military personnel and educators.

The Credit Repairmen
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Offers free evaluations, flexible payment options, personalized video updates and a complete tracking web portal. Choose from two different pricing models. Items removed from credit reports in as little as 30 days.

White Jacobs & Associates San Antonio
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Offers free consultation and analysis. Uses an in-house law firm and pairs customers up with one credit expert for the duration of the program. Creates a customized approach with personalized audits for maximum results.

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Credit repair services in San Antonio

Texas has the fifth-highest identity theft rate in the country, which could be why so many residents are struggling with messy financial histories and low credit scores. Having a low credit score can impact your purchasing power and make it challenging to buy big-ticket items like houses and cars. Some San Antonio residents turn to credit repair companies to help reduce calls from creditors, monitor their credit, negotiate debt and provide financial counseling.

One of the biggest concerns that San Antonio residents have with credit repair is the cost. If they are already in an overwhelming situation when it comes to their finances, they can be hesitant to spend even more money on a possible solution. Keep in mind that each company has different payment schedules and pricing models. It's essential to find the credit repair company that not only gets results but also works with your current fiscal position.

San Antonio credit repair scams

Be wary of companies that make big promises or sound too good to be true. Quick fixes usually aren't fixes at all. Credit takes a long time to restore, so any company promising considerable results in a short amount of time should raise some red flags. Signs of credit repair company scams include:

  • You aren’t given a copy of the "Consumer Credit File Rights Under State and Federal Law" letting you know your rights to obtain a credit report and dispute inaccurate credit report information.
  • You aren’t given a copy of the contract to view before you’re asked to sign it.
  • You’re asked for payment before the services have been performed.
  • The company promises to remove accurately reported information from your credit report.

San Antonio credit repair laws

Strict federal guidelines bind every credit repair company in the country. Dealing with someone's financial and credit history with a very delicate and private process, and unregulated, can open unsuspecting customers up to scams and identity theft. The Credit Repair Organizations Act was passed in 1996 and lists specific federal guidelines that all credit repair companies must abide by, including:

  • It is illegal for credit repair companies to promise they can give clients a fresh start with a new credit profile.
  • Credit repair companies are not allowed to charge large payments from customers in advance of providing services.
  • Credit repair companies must inform clients that they can take action to repair their own credit.

Along with federal laws, Texas also has a rigorous Finance and Commerce Code that holds creditors to stringent standards. Some of these regulations include:

  • Debt collection companies in the state of Texas are required to be licensed and bonded. The license must be renewed regularly; any company that fails to maintain a surety bond must stop work immediately.
  • Collection agencies must have paperwork to prove that they are legally allowed to collect a debt, including proof of the debt from the original creditor. What this means for you is fewer calls from Texas collection agencies about debt that you do not legitimately owe.

San Antonio credit repair FAQ

Is credit repair legal in Texas?
Yes, credit repair is legal in Texas. Texas has some of the strictest rules and guidelines about finance, credit and commerce. These rules are in place to ensure San Antonio residents do not get scammed or fall victim to identity theft at a time and their life when they are most vulnerable.
How much does credit repair cost in San Antonio?
Most San Antonio credit repair companies charge between $100 and $150 per month for credit card repair, monitoring and analytics. There is usually also an upfront fee to give them access to your credit history reports. Other credit card repair companies in San Antonio charge per deduction. For example, if they can deduct six things from your credit report that are impacting your score, and they charge $100 per deduction, you'll pay $600 for the services.
How common are credit repair scams in San Antonio?
Credit repair scams are common in San Antonio. Unfortunately, wherever there are vulnerable people, there are scams. There are many legitimate credit repair companies in the Texas area, but there are also people out there who are looking to exploit people during a difficult time.
Where can I get a free credit report in Texas?
There are three nationwide credit reporting companies, Equifax, Experian and TransUnion. The Fair Credit Reporting Act requires these companies to give you a copy of your credit report upon request once every 12 months. To get your free credit report, you need to provide your name, address, social security number and date of birth. Having this credit report once a year allows you to review it for information that is inaccurate, incomplete or outdated.
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San Antonio credit repair company information

The Credit Repairmen

The Credit Repairmen have two different pricing models for its credit repair. The more aggressive model is the pay-for-success model. There is a hard cap on the number of items they bill you for after they are deleted from your credit history. The other program is an installment plan which is a good choice for San Antonio residents only need a few investigations and deductions from their credit history. The company's free evaluations include in-depth destruction with one of their expert credit advisors and a strategic planning session for raising your credit score.

  • Service areas: Metro San Antonio
  • Address: 6989 Alamo Downs Pkwy, San Antonio, TX 78238
  • Phone: (210) 520-0444
  • Hours: M - F: 9am - 6pm; Sat: 10am - 1pm
  • Website:
Texas Best Credit Repair San Antonio

Texas Best Credit Repair not only focuses on fixing bad credit but giving you the tools to make better financial decisions moving forward. Texas Best Credit Repair’s “Credit Expert Plan” delivers personalized credit coaching and maximum score improvement, while the “E-Coach Plan” is a more affordable option that uses technology to offer online credit improvement solutions.

  • Service areas: San Antonio, Dallas, Houston and Austin
  • Address: 10010 San Pedro Ave., Suite 565, San Antonio, TX. 78216
  • Phone: (512) 308-6000
  • Hours: M - F: 8am - 9pm; Sat - Sun: 12pm - 5pm
  • Website:
Credit Restoration of Texas

Credit Restoration of Texas is bonded and insured to perform credit repair work, registered with the Secretary of State and certified by the National Association of Credit Service Organizations (NACSO). Credit repair plans include 24/7 online access to your credit restoration process, six full months of disputes and eliminations with all three major credit bureaus.

  • Service areas: Metro San Antonio
  • Address: 4203 Gardendale, Ste. C101, San Antonio, TX 78229
  • Phone: (855) 825-4525
  • Hours: M - F: 9am - 7pm
  • Website:
Paramount Credit Services

Paramount Credit Services offers a free credit consultation, a real credit repair plan, a three-bureau report and scores and budget-friendly services. It has access to a network of qualified realtors, mortgage bankers and lenders to help you step into homeownership or buying a new car. Its expert credit consultants work to help you take a close look at your debts and decide on a negotiating strategy that works best for your situation.

  • Service areas: Greater San Antonio
  • Address: 17806 I-10, Suite 300, San Antonio, TX 78257
  • Phone: (210) 355-9232
  • Hours: M - Sat: 10am - 8pm
  • Website:
Credit 360 Consulting

Credit 360 Consulting helps identify solutions to bad credit and provide guidance so that you can maximize your credit score. It offers free credit evaluations for first-time clients and helps remove damaging information from your credit reports such as foreclosures, bankruptcies, repossessions and liens.

  • Service areas: San Antonio and Austin
  • Address: 17806 I-10, San Antonio, TX 78257
  • Phone: (888) 900-5138
  • Hours: M - Sat: 8am - 5pm
  • Website:
Texas Custom Credit Repair

Texas Custom Credit Repair is a popular choice for San Antonio residents who want to qualify for a loan. Its expert credit consultants can help remove repossessions, medical bills, late payments and tax liens from your credit history. The company also works with a network of experienced local Realtors to help you not only find the home of your dreams but also qualifying for a mortgage.

  • Service areas: Statewide
  • Address: 16350 Blanco Road, Suite 110, San Antonio, Texas 78232
  • Phone: (210) 405-0455
  • Hours: M - F: 9am - 8pm; Sat: 9am - 4pm
  • Website:
CTR Credit Repair

CTR Credit Repair Has helped thousands of San Antonio residents remove charge-offs, tax liens, foreclosures and bankruptcies. It starts by evaluating your credit situation and deducting negative items from your credit report. It also provides income tax preparation and notary services.

  • Service areas: Greater San Antonio
  • Address: 333 Valley Hi Dr., San Antonio, TX 78227
  • Phone: (210) 330-2725
  • Hours: M - F: 10am - 5pm
  • Website:
White Jacobs & Associates San Antonio

White Jacobs & Associates offer an aggressive type of credit repair that increases your buying power through a four-round customized process. Credit repair typically takes six months, but it is common for clients to start seeing results in as soon as 30 to 45 days. San Antonio residents sign up for a no-cost consultation, and the first round of audits begins. Many San Antonio residents rave about how they can buy homes and cars and travel because this company helped improve their credit score.

  • Service areas: Statewide
  • Address: 200 Chisholm Pl., Suite 250, Plano, TX 75075
  • Phone: (888) 505-9810
  • Hours: M - F: 8am - 5:30pm
  • Website:
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Profile picture of Kathryn Parkman
Kathryn Parkman ConsumerAffairs Research Team

As a member of the ConsumerAffairs Research Team, Kathryn Parkman believes everyone deserves easy access to accurate and comprehensive information on products and businesses before they make a purchase, which is why she spends hours researching companies and industries for ConsumerAffairs. She believes conscious consumption is everyone's responsibility and that all content deserves integrity.

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