Credit Repair Services McAllenWe are the leaders in credit repair services. We are an honest and trustworthy credit repair company delivering powerful results!

Our clients choose CFFCR because our certified credit counselors want to help you understand your credit profile.
At CFFCR, you’ll walk away with a simple action plan, that if followed,
will be the first step towards our financial wellness. If we can’t help you, we’ll tell you so.

We have helped our clients remove inaccurate, unverifiable, obsolete, or incomplete items such as:

  • Bankruptcies
  • Charge Offs
  • Liens
  • Collections
  • Judgements
  • Repossessions
  • Foreclosures
  • Late Payments

What to expect with credit repair services?

Credit repair is the process of identifying errors in a consumer’s credit report, disputing the information in question, and monitoring the credit bureaus (the “bureau”) to make sure the corrections are made to the consumer’s accounts.

Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute/verify the accuracy of any account. The bureau has 30 days to investigate your dispute(s). If the bureau finds the information is inaccurate, incomplete, unverifiable, or obsolete, the bureau must remove the information or modify it based on the results of their investigation. The bureau must also inform the furnishing creditor your information has been modified or deleted.

CFFCR is staffed with Certified Credit Counselors to assist you in obtaining your credit reports, analyzing your credit reports, and helping you develop the best action plan to help you fix your credit.

What are the benefits of credit repair?

In a study conducted by the Federal Trade Commission, 26% of the participants identified at least one potentially material error on at least one of their three credit reports. If disputed and corrected, a staggering 41% would experience a score increase exceeding 25 points.

Creditors like to see evidence of stability in your life. If any of the items listed below are incorrect or missing from your file, it would be beneficial to get them updated or added:

  • current and previous employment histories
  • current and previous residences
  • telephone number
  • date of birth
  • Social Security Number

Our service is provided in just 3 easy steps.

Our credit repair services process

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    Credit Report Analysis

    The very first step is to obtain your credit reports from all three major credit bureaus to know exactly what items are in your credit files. If you have recent copies of your credit reports from all three credit bureaus, then simply forward them to us. If you don’t have recent copies of all three credit reports, then we’ll gladly assist you in obtaining all three for free or at a small cost to you. Upon accessing your credit reports, one of our Certified Credit Counselors will conduct a professional analysis of your credit files with you to identify all inaccurate, unverifiable, obsolete, or incomplete items, as well as items that may have a negative impact on your credit profile. We will provide you with a written action plan that details what items are credit repair eligible and what items you will need to act on.

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    Powerful Disputes

    Once the inaccurate, unverifiable, obsolete, or incomplete items have been identified, we get started with our credit repair services. Unlike other companies, we don’t limit the number of items we verify at once, nor do we delay our service for 6 months to 1 year just to collect monthly fees. Contrarily, we verify all of your inaccurate, unverifiable, obsolete, or incomplete items in each of the 3 major credit bureaus at once, saving you a lot of time and money. We get our job done right, usually during the first round of verifications, collecting zero recurring monthly fees and we back it up with our 100% money-back guarantee*. Only after our work is fully performed and completed, which means after all the work has been done to prepare and submit your disputes to the credit bureaus, you will then be charged our credit repair fee.

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    Results in as few as 30 days

    The three major credit bureaus have exactly 30 days to investigate your disputes. After they conclude their investigation process, all 3 major credit bureaus will mail you the results. You can expect to start receiving your dispute results in roughly 30 days and updates to your credit reports approximately 45 days from the day we submit your verifications and disputes.

Credit Repair Timeline

With CFFCR’s credit repair services you will start seeing results in as little as 30 days. You will usually start seeing updates to your credit reports by day 45.

What makes up your credit scores?

Some score variables are more important.

Even though every company uses a different calculation for determining credit scores, those differences are generally minor. The big items tend to stay very similar. Your credit usage and payment history are almost always the two most impactful score variables. In the score calculation seen below they make up approximately 65% of your Credit Score.

What Makes Up Your Credit Scores

How can you improve your credit score?

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    Step One - Pay all your bills on time

    Never miss a payment, ever. A single missed payment can damage your credit for years. You can’t erase the mistakes of your past but you can make sure you don’t make new ones.

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    Step Two - Keep your credit card balances low

    Ideally, you would pay your credit cards off in full every month, but that’s not always possible. Your goal should be to keep your balance less than 30% of your credit limit (for example, on a $1,000 card never carry a balance over $300).

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    Step Three - Be patient

    The point of improving your credit score is to prove to lenders that you can be responsible. To do that, you have to pay your bills on time and keep your balances low over a long period of time.

With that being said, sometimes inaccuracies occur in credit reports. That is why it is recommended for you to check your credit report at least annually. Just like you need doctors and mechanics, professional services are needed to help you fix your credit. Even though you have the right to attempt credit repair yourself for free and you are able to contact the 3 major credit bureaus directly, CFFCR provides one of the best industry-leading credit repair services backed with a 100% money back guarantee*.

Our Credit Repair Guarantee

100% Money-Back Guarantee*

In the very unlikely event that our credit repair service results in no deletions of inaccurate, unverifiable, obsolete, or incomplete items, you are entitled to 100% of your money-back, guaranteed.