Our Services, Your Solutions
We help you get the credit you deserve.
With more than a decade of experience, South Texas Credit Adviser's has developed a straightforward approach to repairing your credit:
Your Steps to Better Credit and Financial Freedom
Repair Your Credit
Your Plan of Action
Establish Your Credit
Frequently Asked Questions
How long does credit repair take?
Is credit repair legal?
Some people take this to mean that credit repair itself is illegal.
Credit Repair, by definition, is the process of improving a person’s credit score. It isn’t just about removing negative information. It also involves adding positive credit accounts, and other credit profiling techniques that can help raise a consumer’s credit score.
Is it illegal to add positive accounts?
Of course not.
Is it illegal to build a positive payment history?
Once again, “NO!”
Is it illegal to change your credit utilization to raise your score?
Obviously, the answer is once again “NO.”
But what about removing negative accounts?
Under the FCRA, consumers have a right to request an investigation into items on their credit report.
Here’s what the FCRA says about the removal of disputed information:
“(5) Treatment of Inaccurate or Unverifiable Information (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall- (i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.”
( FCRA § 611(a)(5)(A))
This text clearly states that any item found to be “inaccurate” or “incomplete” or that “cannot be verified” must be removed (or corrected where appropriate).
As a consumer, you have a right to make sure that every item on your credit report is:
So to answer the question is credit repair illegal the answer is again NO! Credit repair is completely LEGAL!
Call us and we will direct you every step of the way to having excellent credit, that will save you thousands of dollars$$$$$$$$$$$$!
Even one or two slow payments will usually trigger a credit card or personal loan denial. The slightest amount of negative credit will cause the interest on an auto loan to skyrocket. You will probably find that even a little bad credit, regardless of how much good credit you have, is an unacceptable barrier to credit approval on request for large amounts of credit – like a mortgage loan.
Call us for an appointment and we will advise you on taking care of your credit and how to have a great credit score.
Additionally, a bankruptcy filing and bankruptcy discharge listing will appear in the court records section of your credit report. Because so many negative items are attached to the bankruptcy, it becomes difficult to remove all traces of the bankruptcy. If at all possible, you should avoid bankruptcy at all cost.
Here at STXCA we have an attorney on staff to guide and assist our customers. Call us for an appointment.
How can bad credit be deleted?
STXCA is hard at work every day challenging damaging and questionable credit entries on behalf of our clients. Utilizing proprietary and absolutely legal methods, STXCA is a professional organization working for you and your credit. We hold ourselves to incredibly high standards, which is why our process is fully transparent once we begin our partnership.
How much does bad credit cost?
If you are making vehicle payments, you are most likely paying between $4,000 and $10,000 more over the course of the loan just for having credit score issues. This added interest shows up every month for a higher payment. Example:
$23,000 Vehicle Financed for 5 Years:
|CREDIT STATUS||Interest Rate||Payment||Interest Paid|
|High Credit Score||3%||$413||$1,796|
What if removed items reappear?
Will I Get Results?
Since every credit report is different, our service fees vary from case to case. The fees will be discussed at the time of consultation, once the credit report is analyzed. STXCA provides customers with contracts as required by law and STXCA has a licensed attorney on staff.
Get Your Credit Report
This will give us the most accurate information about your current situation.
$5,000 Credit Limit
Once we’ve enrolled you in our program, we will instruct you to sign up for the credit card below.
We Are YOUR Credit Repair Experts
When your financial plans are put on hold due to credit you need a professional on your side. By taking the time to understand your goals, needs, and credit we develop a strategic plan to help improve your credit.
With over a decade of Credit Repair experience, we have helped thousands of clients with countless credit issues. We pride ourselves on producing results for your credit. Below are some results we have gotten for our clients. While every situation is different, you can see all sorts of account types that have been successfully removed or corrected for our clients...
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