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Credit Repair Service in Houston, TX

If you’ve been denied a mortgage or car financing due to a poor credit score, then you understand pretty well why financial freedom isn’t something to mess around with. With a reputable Houston credit repair company, you can claim your freedom back in the shortest time possible.  At 007 Credit Agent, we help many Houston credit consumers get ready to make their lives’ biggest decisions through our top-notch Houston credit repair services.

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Why Work with Our Houston Credit Repair?

You’ve been out in the cold for too long. Don’t let a poor credit rating lock you out of the finery Houston has to offer. Building an excellent credit profile doesn’t have to tear other bits of your life down. By working with an experienced Houston  credit repair firm, you can restore your good credit score as you focus on the things that matter most in your life

At 007 Credit Agent, we’re committed to the goal of giving you back the life you deserve through our top-notch Houston credit repair services.

Extensive engagement with all agencies

At 007 Credit Agent, we have experienced credit repair experts who’ll handle everything, including contacting the lenders, collection agencies, and the credit report bureaus on your behalf. Regardless of which credit bureau is in question, you won’t have to worry as we deal with the three main bureaus, Equifax, TransUnion, and Experian.

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Detailed attention to every credit report element

Our credit analysts follow every minute negative listing on your credit report. We leave nothing unchecked. We’ll identify and question everything, from the misspelled names, wrong addresses to incorrect or inflated figures on your credit report.

We don’t leave our clients behind to follow us blindly. We’ll work with you every step of the way, providing feedback and updates with every success achieved.

Personalized Houston credit repair service

As a renowned Houston credit repair company, 007 Credit Agent provides a personalized credit restoration service that eliminates incorrect or unfair items from your report so you can enjoy your life in Houston once again.

Our team dedicates itself to understand and respect the factors that led to our clients obtaining a poor credit score. We analyze all the causes of bad credit and identify how best to prevent them in the future. We work with a highly customized action plan to tackle all specific issues so you can lower those hiked interest rates and finally get your dream house or car.

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Credit repair with passion

Our passion and dedication to our work set us apart from other Houston credit repair firms. We’re driven by the desire to improve people’s lifestyles. And we believe everyone deserves the right to acquire their hearts’ special desires. Our team holds up to our promise of improving lives by ensuring that your credit score is as good as it should be. We’ll arm you with the tools you need to shape your future and success.

Houston Credit Repair DIY: Fixing Bad Credit Yourself?

Are you thinking about doing credit repair yourself? DIY credit repairs offer a good opportunity to learn a few things about the technicalities of credit. But only if you have the time, expertise, and steadfast commitment. Following up with the lenders, collection agencies, and credit bureaus can wear your dedication, time, and money while making wrong moves unknowingly.

It’s highly advisable to leave the hassles to a reputable Houston credit repair company for faster results. If you’re still up to the task, we advise you to follow the below steps to restore your credit.

Obtain copies for the credit report 

To furnish your copy of credit reports, you may ask the top credit bureaus — Experian, Equifax, and TransUnion. They will provide you with a free copy of the report every year. Organize and file accordingly so it would be easier to track.

Mitigate errors in the credit report

When you ask for credit reports, you are provided information on how to dispute such errors. Simply follow the steps on disputing errors for the report. In this way, the credit bureaus can start the investigation. It will also let clients see their legitimacy.

Increase the limit in your credit

Payment history is one, but you should likewise take a look at using the credit card. It plays a significant role in your credit rating. In order to enhance the ratio, you will need to ensure your balances are paid. Otherwise, you can request a credit limit increase. What you can do is to call your credit card provider. Start discussing your needs with them. Once they see your records in the payment history are decent, they can increase your credit limit.

Apply for a new credit card

After resolving the credit report’s negative items, you may now begin to reestablish credit by applying for new credit accounts. There are risks, such as your previous delinquent records not allowing you for new credit card approval. It is why it is recommended to limit your application to one until you can see improvements in the credit score. Each time you apply for new credit, your credit report will accommodate inquiries. Failing to open new and major credit cards may happen. In such events, choose to open credit cards for retail stores. Approval is better even with bad credit history.

There are more steps on how you can improve your credit score. Talk to our representatives and consultants today.

Call (949) 258-7026 now for a free consultation.

Introducing 007 Credit Agent, accredited Houston Credit Repair Company 

007 Credit Agent is an accredited credit repair agency with the highest customer satisfaction rates in Houston credit repair, having done successful credit restoration for up to 93 percent of all clients dealt with.
We are your reliable Houston credit repair partner on everything credit from personal and business credit repair, credit profile build-up,  credit advice, and consultancy to credit card acquisition assistance.

Business Credit Report

Our dispute tactics provide the most aggressive and quickest credit score repair service that many institutions in various industries trust. We remove late payments, collections, charged-offs, student loans, hard inquiries, and bankruptcies, among others.

Providing for what you need is our commitment. Allow us to guide you every step of the way. Our friendly customer support staff are top-notchers in the delivery of hassle-free experiences in this industry. You can also follow 007 Credit Agent on our official social media accounts and Yelp. Get started right now.

Our diverse client base in Houston have had their credit improved, now you can too!

007 Credit Agent Serves Houston, TX And Nearby Areas

Frequently Asked Questions

Rebuilding credit will not be the same for everyone. Some are fortunate to see most of their negative accounts deleted or corrected in a month or two. However, this should not be the expectation as the credit repair process will be different for every case. The good news is that our credit repair specialist is very experienced and up to date with the most effective strategies on how to get your credit score higher sooner than later.

Some individuals have low credit scores because they have derogatory information such as late payments or collection accounts on their credit report. Others may have a lower credit score because they may have high utilization on their credit cards or may have little credit history. Contact our credit consultants for a free 15-minute consultation to go over your credit score.

You are entitled to a free copy of your credit reports every year from the major credit reporting bureaus. During the credit repair process, it is vital that we have access to your credit reports monthly as this allows our team to work on your case more efficiently. 007 Credit Agent has partnered with identityiq.com and provide a discount for their credit reporting monitoring services. You can take advantage of this discount by registering here, discounted credit reports.

Credit card balances affects 30% of your credit score. This is also known as credit utilization. The higher your credit balance is, the lower it will bring down your score. Paying off your credit cards can increase credit scores over 100 points after the balance updates on your credit reports.

Still have questions?

Money Back Guarantee

Credit Score Improved Or Your Money Back

Our guarantee is an industry leading 90-day money back guarantee. If we do not remove or update to a positive standing any negative account within 90 days, we will provide a full refund.