You have found the right website. Within these pages is an abundance of knowledge about the world of credit repair. If you need to get approved for a loan, fix bad credit, or just want to improve your credit score, then you have come to the right place. I hope that after reviewing some of these pages that you will entrust us with the task fixing your credit.

Texas Court websites:

Texas Statutes of Limitations:

The Texas Civil Practice & Remedies Code provides a 4-year limitations period for types of debt. The SoL begins after the day the cause of action accrues, (Section 16.004 (a) (3)).

We offer Personalized — Not Computerized Credit Repair!

No two peoples credit reports are exactly alike! So, no pre-set computer program is going to be as effective as real, skilled, credit report correction counselors. At National Credit Fixers, we are real people working hard for our clients. Of course we use technology, but we do not rely on it to perform the task of credit report repair. We do not scan credit reports and have an automated system produce duplicate dispute letters to mail to the credit reporting bureaus. We have skilled counselors that analyze your credit reports, and then determine the best possible plan for maximum results. Then we draft unique and individual letters to the credit reporting agencies, or to the creditors, collections agencies, or courthouses, depending on your unique and individual needs. NO computer program can do that! When you call our office you will not talk to a call center full of unskilled telemarketers that read a pre-written script of answers to the “most commonly asked questions”.

National Credit Fixers is a reputable credit repair company that can legally remove negative items off of your credit reports, and thereby improve your credit score. Information contained in your credit file must be reported according to a law called the Fair Credit Reporting Act (F.C.R.A.). If the information isn’t accurate or verifiable then it must be deleted. This means your FICO scores will go up as a result.

We use the Fair Credit Reporting Act (FCRA) which is a federal law designed to protect you from being “slandered” by creditors, collectors, and credit reporting agencies. According to the law, a disputed credit account must be accurate, complete, and verifiable for it to remain on your credit report.

All inaccurate, incomplete or unverifiable accounts must be removed or updated. We have removed bankruptcy, foreclosure, repossessions, late payments, charge offs, collection accounts, judgments, and many other negative credit items.

High Credit Scores are important

Your credit score affects everything from the home you live in, to the car you drive, and maybe even the job you work in. Lenders, insurance agents, and even some employers all use your credit score to make decisions about what type of person you are. A bad credit score says that you are irresponsible with your money and are a risk to creditors. A good credit score says that you can be counted on to make your payments on time and properly settle your debts.

Most credit reports contain errors

Because your credit score is so important to you, it would make sense that the credit reports used to calculate your credit score are managed with the utmost care. Unfortunately for you and the millions of Americans with errors on their credit reports, this is not the case. Studies have shown that flaws in the credit reporting system have resulted in almost 80% of credit reports having errors. In addition, most credit reports contain misleading or out of date information that gives creditors the wrong idea of who you are as a consumer.

Odds are you have errors on your credit reports. These errors may be lowering your credit score and forcing you to pay unfair interest rates or even be denied the credit you deserve. National Credit Fixers is a credit repair company that has the tools to fix bad credit. Effective credit repair will improve your credit score. We know how to fix bad credit, let us put our knowledge to work for you!

Choosing a Credit Repair Company

Choosing a credit repair company is an important decision. Several of the large credit repair companies use a software platform called Dispute Valet, Dispute Manager, or some variation thereof. From our observation the companies that use this software inevitably fall far short of helping their customers reach the goal of great credit. We have had experience in doing credit repair since 1996. Let us use our experience for your benefit.

The Problem With Automated Services

Many credit repair companies are nothing more than automated services. There are several reasons for this. The most glaring shortfall of a software based dispute program occurs at the outset of the process. These credit repair comapnies do little more than load up a list of derogatory items from your credit report and then instruct you to pick and choose the items you wish to dispute. There is literally no personal service involved, and the quick selection of obvious derogatory information leaves the majority of possible benefit unexplored.

Real Credit Score Optimization

A truly effective credit repair service will do considerably more than dispute obvious derogatory items on your report. If you really want to optimize your credit scores and end up with usable credit you must consider everything including the number of open accounts, account types, balances, and an array of possible compliance problems on your report that a cursory review will not reveal. It is essential to select a Texas credit repair company that will provide truly professional service and deliver the results you deserve.