Questions, answered plainly.
If something's not covered here, it's a good question for the free consultation.
What does Houston Credit Builders actually do?
We review your credit reports, dispute inaccurate items, and build a plan around what's keeping you from what you're working toward: a home, a car, a better rate. We also teach the "why" behind it, not just the fix.
Do you guarantee a specific credit score increase?
No, and be careful of anyone who does. Credit scores depend on factors outside any company's control, and specific guaranteed increases aren't something we, or anyone, can honestly promise. What we can promise is a clear, honest plan and real work on your behalf.
Can I dispute things on my credit report myself?
Yes. You can dispute inaccurate items directly with the credit bureaus yourself, for free, and you do not need us or anyone else to do it for you. What you are paying us for is knowing what to dispute and why, handling the back and forth, and building a plan around the rest of your credit. If doing it yourself is the right call for your situation, we will tell you that on the consultation.
How long does credit repair take?
It depends on what's on your report and how the bureaus respond, so there's no fixed timeline we can promise up front. We'll give you a realistic sense of it during your consultation, once we've actually seen your situation.
What's the difference between Credit Repair and Maintenance?
Credit Repair ($200/mo, plus a one-time $110 onboarding fee) is the active work: disputing inaccurate items and building your plan. Maintenance ($65/mo) is for after your credit is on track, keeping an eye on your reports and catching new issues early.
Do I need good credit, or any credit history, to start?
No. Wherever your credit stands right now is exactly where we start. That includes no credit history at all.
What happens on the free consultation call?
30 minutes, no cost, no obligation. We talk through where your credit stands, what you're working toward, and whether and how we can help. If it's a fit, we'll walk through pricing and next steps together.
Is there a contract, and can I cancel?
Yes. Every client gets a written agreement before any work starts. Credit repair runs for a term of 6 to 8 months, set in your agreement based on your situation, and the agreement states the total you will pay. You can cancel within three business days of signing, at no cost and for any reason. All cancellations must be in writing, and after those first three days notice must reach us at least 30 business days before your next billing date. We'll walk through the whole agreement with you before you sign anything.
Still have questions?
The free consultation is the fastest way to get a real answer.