Credit Repair
Done Right in Houston
Ten years. 4,500+ Houston clients. Fully licensed in Texas. We remove collections, charge-offs, late payments, and judgments under federal law — and we never charge a dollar until the work is done.
Credit repair is about one thing: forcing the credit bureaus and your creditors to honor the rights you already have under federal law. The Fair Credit Reporting Act says anything inaccurate, incomplete, or unverifiable must come off. The Fair Debt Collection Practices Act lets you demand validation before you pay a dime. The Credit Repair Organizations Act requires any firm helping you to do it without upfront fees and with a written contract. We follow all three — and we've been doing it for Houston since 2015.
What's Different About 755
- No upfront fees. You pay after work is performed, month to month.
- Written contract + 3-day cancellation, as required by federal CROA.
- Licensed in Texas under Tex. Fin. Code Ch. 393 — verifiable with the state.
- Real Houston office at 1350 E NASA Parkway. Walk in, meet the team.
- Bilingual support (English, Spanish, German, Vietnamese).
Choose Your Starting Point
Every credit situation is different. Pick the guide or program that fits yours — or just call us and we'll help you figure it out.
The Credit Doctor →
Our full diagnosis-and-treatment program. Best for reports with multiple negative items across all three bureaus.
Local ProgramHouston Credit Helper →
Local, hands-on help for Houston residents ready to boost their score fast with in-person support.
Step-by-Step GuideRemove Collections in Houston →
Free guide: your FCRA rights, validation letters, Texas's 4-year SOL, and when to bring in a pro.
Consumer ProtectionIs Credit Repair a Scam? →
The honest answer, plus 7 red flags and how to verify a legitimate Houston firm before you sign.
Every Item Type We Dispute
If it's on your report and shouldn't be, we know how to challenge it.
Collections
Third-party collectors, debt buyers, medical collections.
Charge-Offs
Credit card, auto, and personal loan charge-offs.
Late Payments
30/60/90-day and beyond, on open or closed accounts.
Judgments & Liens
Civil judgments, federal tax liens, public records.
Bankruptcy
Chapter 7 and 13 dispute strategies.
Foreclosures
Mortgage foreclosure and deed-in-lieu tradelines.
Repossessions
Voluntary and involuntary auto repos.
Identity Theft
Fraud affidavits, FTC reports, tradeline blocks.
Excessive Inquiries
Unauthorized hard pulls and soft-inquiry cleanup.
How We Actually Do This
Four steps. Transparent every time. You'll never wonder what's happening with your file.
Free consultation + report review
Bring your three-bureau reports (or we'll pull them). We identify every disputable item and give you an honest assessment of what can come off.
Written contract, no upfront fee
You sign a CROA-compliant agreement with a 3-day cancellation window. No money changes hands until after the first dispute cycle.
Disputes, validations, negotiations
We draft every letter under FCRA §611 and FDCPA §809, send certified mail, and follow up with each bureau and furnisher until they respond.
Progress updates + score tracking
You get regular updates on what's been removed, what's still pending, and how your score is moving. Cancel anytime if you're not seeing results.
Frequently Asked Questions
How long does credit repair take?
Most Houston clients see measurable results within 45 to 90 days. Each credit bureau has 30 days under FCRA §611 to investigate a dispute, and we typically run multiple cycles over 3 to 6 months. Heavily damaged reports with many negative items can take longer.
How much does credit repair cost?
Our programs are month-to-month with no upfront fees (required under CROA §1679b). Call (832) 696-0755 for current pricing. You can cancel anytime in writing.
What can you remove from my credit report?
Collections, charge-offs, late payments, judgments, bankruptcies, foreclosures, repossessions, federal tax liens, identity-theft items, excessive inquiries, and public records — whenever the item is inaccurate, incomplete, or unverifiable under the FCRA.
Do you serve areas outside Houston?
Yes. We serve all Texas cities including Katy, Sugar Land, Pearland, Spring, Conroe, The Woodlands, Humble, Friendswood, League City, and more. Remote service is available nationwide.
Are you a legitimate credit repair company?
Yes. 755CreditScore is a Texas-registered credit services organization with 10+ years in business and 4,500+ clients served from our Houston office. We are fully compliant with CROA, FCRA, FDCPA, and Tex. Fin. Code Ch. 393. See our scam-spotting guide for how to verify us (and anyone else).
Ready for a Higher Score?
Free 30-minute consultation with a licensed Houston credit counselor. Bring your reports — we'll build your plan on the spot. No upfront fees, no pressure.