Credit Restoration Of Texas logo

Credit Restoration Of Texas in San Antonio, TX

4.8/5
Google rating from 104 reviews

Credit repair company founded in 2007, serving clients nationwide. Disputes inaccurate credit items, offers debt relief, identity theft restoration, and business credit building.

Data compiled from public sources · Google rating shown when a stored review count is available

BBB: A+ Visit Website

Credit Restoration Of Texas Review

Credit Restoration of Texas (CRTX) was founded in 2007 and has spent nearly two decades helping consumers and business owners address damaged credit. Operating out of Texas but serving clients across the United States, the company holds a BBB A+ rating and describes itself as registered and bonded. With over 10,000 clients served and a 4.8-star Google rating from more than 100 reviews, CRTX has built a notable regional reputation that extends well beyond its home state.

The company's core offering is credit repair: acting as a client's representative to dispute inaccurate, obsolete, or unverifiable items on credit reports through dispute letters and debt validation requests sent to creditors and the major credit bureaus. Beyond credit repair, CRTX offers a notably broad range of services including personal and business debt settlement and management, legal action to remove inaccurate reporting, identity theft restoration and protection, business credit building and funding (including options without personal stated terms), personal credit establishment for those starting from scratch, and ongoing credit monitoring. A free credit analysis and consultation is offered to new prospective clients.

What sets CRTX apart from many competitors is its 24/7 online client portal, where both clients and referral partners receive login credentials at signup and can track credit repair progress in real time — a transparency feature not universally offered in the industry. The company claims a "Best listed refund term in the Industry," has been featured on TV and radio, and named staff members (Dennis, Roby) appear consistently in client reviews, suggesting a personalized rather than purely automated service model. Its 19-year operating history is a meaningful signal of stability in an industry crowded with short-lived operators.

The most significant drawback is a complete lack of pricing transparency: no fees, tiers, or monthly costs are disclosed on the website, requiring every prospective client to contact the company for a quote. Similarly, the "Best listed refund term" claim carries no disclosed terms, conditions, or refund specifics, making it difficult to evaluate independently. BBB accreditation status could not be confirmed — only the A+ rating is stated on the site. The client portal appears web-based with no dedicated mobile app mentioned. For consumers who want upfront, comparable pricing before making a call, CRTX will require an extra step of due diligence. Consumers who successfully repair their credit often find better rates on installment loans, secured credit cards, and other financial products.

Services & Features

24/7 Online Client Portal Access
Business Credit Building
Business Debt Relief
Business Funding Assistance
Credit Repair and Credit Score Improvement
Debt Validation Requests to Creditors
Dispute Letters to Credit Bureaus on Client's Behalf
Free Credit Analysis and Consultation
Identity Theft Protection
Identity Theft Restoration
Legal Action to Remove Inaccurate Credit Reporting
Ongoing Credit Monitoring
Personal Credit Building and New Credit Establishment
Personal Debt Settlement and Management

Feature Checklist

AI-Powered Tools
Mobile App
Online Portal
Score Tracking
Debt Validation
Credit Education
Goodwill Letters
Personal Advisor
All Three Bureaus
Credit Monitoring
Cease & Desist Letters
Identity Theft Protection

Pros & Cons

Pros

  • Founded in 2007 with 19+ years of operating history — significant longevity in a high-turnover industry
  • BBB A+ rating stated on website
  • Over 10,000 clients served nationwide, not limited to Texas
  • 24/7 online client portal with real-time credit repair tracking provided at signup
  • Free credit analysis and consultation before any commitment
  • 4.8/5 Google rating from 104 reviews — consistently strong customer feedback
  • Unusually broad service range: credit repair, debt settlement, identity theft restoration, and business credit building under one roof

Cons

  • No pricing disclosed on website — monthly fees, setup costs, and plan structures require a direct consultation call to obtain
  • 'Best listed refund term in the Industry' claim has no disclosed terms, conditions, or refund specifics — cannot be independently evaluated
  • BBB accreditation status unconfirmed — only the A+ rating is stated, not whether the company holds full BBB accreditation
  • No dedicated mobile app mentioned; client portal appears web-based only
  • Physical office address not prominently disclosed on website, which may concern clients who prefer in-person or local accountability

Research Secured Credit Card Options

While repairing your credit, a secured card can add payment-history context when it reports to the bureaus. Compare deposits, fees, bureau reporting, and any no-credit-check claims directly.

See Secured Card Profiles Card Eligibility Profiles

State Consumer Finance Context

This is state-level context for Credit Repair consumers in San Antonio, TX. It does not confirm that Credit Restoration Of Texas or this specific location is licensed.

State regulator

Texas Office of Consumer Credit Commissioner

Consumer protection

Texas Attorney General Consumer Protection Division

Credit and debt help rules in Texas

Relevant law: Texas Credit Services Organization Act (Tex. Fin. Code Ch. 393 (§ 393.001 et seq.))

Registration: Required with Texas Secretary of State

Upfront fees: Listed as prohibited in the current CreditDoc state summary

  • Credit services organizations must provide consumers with a written contract before performing any services, detailing all terms and conditions
  • Prohibited from charging or collecting any fee or other consideration until the promised services have been fully performed
  • Must disclose all material terms in writing, including total cost, payment schedule, and estimated time to completion of services

Key state rules to check

  • Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
  • No state cap on CAB fees; effective APRs frequently exceed 500%.
  • Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

Does Credit Restoration Of Texas respond to consumer complaints?

According to CFPB data (2023-present), Credit Restoration Of Texas has a 100% response rate to consumer complaints, with 100% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.

What services does Credit Restoration Of Texas offer?

Credit Restoration Of Texas offers 14 services including Credit Repair and Credit Score Improvement, Dispute Letters to Credit Bureaus on Client's Behalf, Debt Validation Requests to Creditors, Personal Debt Settlement and Management, Business Debt Relief, and 9 more.

What profile signals are listed for Credit Restoration Of Texas?

Credit Restoration Of Texas has profile signals associated with Consumers with inaccurate, outdated, or unverifiable negative items on their credit reports who want a company to handle disputes on their behalf, Identity theft victims needing coordinated credit restoration and ongoing protection, Business owners seeking to build business credit or access funding without relying on personal credit stated terms, Individuals juggling both credit repair and debt relief needs who want a single provider for both services.

What are the strengths and weaknesses of Credit Restoration Of Texas?

Key strengths: Founded in 2007 with 19+ years of operating history — significant longevity in a high-turnover industry; BBB A+ rating stated on website; Over 10,000 clients served nationwide, not limited to Texas. Areas to consider: No pricing disclosed on website — monthly fees, setup costs, and plan structures require a direct consultation call to obtain; 'Best listed refund term in the Industry' claim has no disclosed terms, conditions, or refund specifics — cannot be independently evaluated.

How does Credit Restoration Of Texas compare to similar companies?

In the Credit Repair category, comparable providers include Goldman Credit Solutions, Los Angeles Credit Repair - Fix Your Credit Scores Fast, National Credit Care. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Is Credit Restoration Of Texas accredited by the Better Business Bureau?

Credit Restoration Of Texas holds a A+ rating with the Better Business Bureau but is not BBB-accredited.

Quick Facts

Founded
2007
Headquarters
San Antonio, TX
BBB Rating
A+
BBB Accredited
No
Certifications
Registered and Bonded
Visit Credit Restoration Of Texas

CreditDoc Profile Note

Research Note on Credit Restoration Of Texas

Credit Restoration of Texas is best suited for consumers who want a full-service, long-tenured credit repair firm handling disputes, debt issues, and identity theft recovery in one place — particularly those who are comfortable calling for a consultation before seeing pricing. The main caveat is a lack of fee transparency and unverified listed refund terms, which makes direct comparison shopping difficult before making first contact.

CFPB Transparency Report

Public data from the Consumer Financial Protection Bureau

Response Rate*
100%
On-Time Response**
100%

* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)

** Percentage of responses delivered within the CFPB's 15-day window

Source: consumerfinance.gov | Last checked 2026-03-20

Profile Signals

  • Consumers with inaccurate, outdated, or unverifiable negative items on their credit reports who want a company to handle disputes on their behalf
  • Identity theft victims needing coordinated credit restoration and ongoing protection
  • Business owners seeking to build business credit or access funding without relying on personal credit stated terms
  • Individuals juggling both credit repair and debt relief needs who want a single provider for both services
Updated 2026-04-30

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Quick Summary

  • Credit Restoration Of Texas is listed as a Credit Repair provider in San Antonio, TX on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position DIY Credit Repair vs Hiring a Company: Costs and Trade-Offs Learn the basics Start the free Credit Fundamentals course.

Financial Wellness Guides

DIY Credit Repair vs Hiring a Company: Costs and Trade-Offs

Compare the costs, time, and effectiveness of fixing your credit yourself versus paying a professional company.

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How to Dispute Errors on Your Credit Report (2026 Guide)

Step-by-step instructions for disputing errors on your credit report with all three bureaus, including templates and timelines.

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How Credit Repair Actually Works (Step by Step)

A complete breakdown of the credit repair process — what companies actually do, the legal framework behind it, and realistic timelines for results.

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Free Credit Fundamentals Course

Learn how credit scores work, how to dispute errors, and build credit from scratch. 10 modules, zero cost.

Borrowing Power Quiz

Find out how much you could borrow in 60 seconds. Free, private, no credit impact.
Financial Terms Explained (23 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

Interest & Rates

Penalty APR — Penalty Annual Percentage Rate

A higher interest rate that kicks in when you violate your card agreement — usually by paying late or going over your credit limit. It can be nearly double your normal rate.

Why it matters

One late payment can trigger a penalty APR of 29.99% on your entire balance, and it can last 6 months or longer. Read your card agreement to know the triggers.

Example

Your credit card rate is 19.99%. You miss a payment by 61+ days. The bank triggers a 29.99% penalty APR. On a $5,000 balance, that's $125/month in interest instead of $83.

Credit & Scoring

Credit Bureau — Credit Reporting Agency (Bureau)

A company that collects and sells information about your credit history. The three major bureaus are Equifax, Experian, and TransUnion.

Why it matters

Not all lenders report to all three bureaus, so your reports may differ. It can be useful to check all three reports because an error on one could affect the terms you see.

Example

Your car loan only reports to Equifax and TransUnion. Your Experian report doesn't show that good payment history, so your Experian score is 15 points lower.

Credit Freeze — Security Freeze / Credit Freeze

A free tool that locks your credit report so no one (including you) can open new accounts until you lift it. It's one of the strongest consumer protections against identity theft.

Why it matters

A credit freeze prevents criminals from opening loans in your name, even if they have your Social Security number. It's free by law and doesn't affect your credit score.

Example

Your data was in a breach. You freeze your credit at all 3 bureaus (takes 10 minutes online). A thief tries to open a credit card in your name — denied because the lender can't pull your frozen report.

Credit Mix — Credit Mix (Types of Credit)

The variety of credit accounts you have — credit cards (revolving), auto loans (installment), mortgage, student loans, etc. Having multiple types shows you can manage different kinds of debt.

Why it matters

Credit mix accounts for about 10% of your FICO score. Having only credit cards isn't as strong as having a card, an installment loan, and a mortgage.

Example

Borrower A has 3 credit cards. Borrower B has 2 credit cards, a car loan, and a student loan. Even with the same payment history and utilization, Borrower B may be scored differently.

Credit Report — Consumer Credit Report

A detailed record of your borrowing history maintained by credit bureaus. It lists every loan, credit card, payment history, collection, and public record tied to your name.

Why it matters

Credit reports can contain errors, so checking them periodically is useful. Checking your report regularly is the first step to reviewing and disputing errors.

Example

You pull your free report from AnnualCreditReport.com and find a $2,400 medical collection you already paid. You dispute it, the bureau verifies it's resolved, and your report reflects the updated status.

Credit Score

A 3-digit number (300-850) that summarizes how reliably you've handled borrowed money. Higher scores can affect lender risk assessment and the terms shown to you.

Why it matters

Your credit score is one factor lenders may use when reviewing eligibility and pricing. Score differences can materially affect total interest over a loan term.

Example

On a $250,000 30-year mortgage: different score ranges may be associated with different rates, monthly payments, and total interest.

Credit Utilization — Credit Utilization Ratio

The percentage of your available credit that you're currently using. If you have $10,000 in credit limits and owe $3,000, your utilization is 30%.

Why it matters

Utilization is the second-biggest factor in your credit score (after payment history). Lower utilization can support credit-score context; very low utilization is often viewed more favorably.

Example

You have 3 cards with a $15,000 total limit. You're carrying $4,500 in balances (30% utilization). Paying down to $1,500 (10% utilization) could change your score context.

FICO Score — Fair Isaac Corporation Score

The most widely used credit scoring model, created by Fair Isaac Corporation. FICO scores are widely used in lending decisions.

Why it matters

FICO has many versions (FICO 8, 9, 10). Mortgage lenders still use older versions (FICO 2, 4, 5), so your mortgage score may differ from what free apps show you.

Example

Your FICO 8 score (used for credit cards) is 740. Your FICO 5 score (used for mortgages) is 725 because it weighs collections differently. Same credit history, different scores.

Hard Inquiry — Hard Credit Inquiry (Hard Pull)

When a lender checks your credit report because you've applied for credit. Each hard inquiry can affect your score and stays on your report for 2 years.

Why it matters

Multiple hard inquiries in a short period suggest you're desperately seeking credit, which can be a risk signal. Exception: mortgage and auto loan shopping within 14-45 days counts as one inquiry.

Example

You apply for 5 credit cards in one month. Each application triggers a hard inquiry. Your score can change from the inquiries alone, making each subsequent application harder.

Soft Inquiry — Soft Credit Inquiry (Soft Pull)

A credit check that does NOT affect your score. Happens when you check your own credit, when lenders pre-qualify you, or when employers do background checks.

Why it matters

You can check your own credit as often as you want without penalty. Prequalification offers from lenders also use soft pulls, so comparison shopping can be done without a score impact.

Example

You use Credit Karma to check your score (soft pull — no impact). A credit card company sends you a pre-screened offer (soft pull). You then apply for the card (hard pull — small impact).

VantageScore

An alternative credit scoring model created by the three major credit bureaus (Equifax, Experian, TransUnion). Same 300-850 range as FICO but uses a slightly different formula.

Why it matters

Many free credit monitoring apps show VantageScore, not FICO. Your VantageScore may be 20-40 points different from the FICO score a lender actually uses.

Example

Credit Karma shows your VantageScore 3.0 as 720. You apply for a mortgage and the lender pulls your FICO 2 score: it's 695. Different model, different number, different rate offered.

Fees & Costs

Late Fee — Late Payment Fee

A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.

Why it matters

The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.

Example

Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.

Service Fee — Monthly Service Fee

A recurring charge for maintaining a financial account or receiving ongoing services, such as credit monitoring, credit repair, or loan servicing.

Why it matters

Monthly service fees add up quickly. A $79/month credit repair service costs $948/year — make sure the value justifies the ongoing expense.

Example

A credit repair company charges $79/month to dispute items on your report. After 6 months ($474 spent), they've removed 3 negative items and your score went up 65 points. Was it Evaluation Guide Depends on your situation.

Setup Fee — Setup Fee / First Work Fee

A one-time fee charged at the beginning of a service, often by credit repair companies, to cover the cost of your initial credit analysis and account setup.

Why it matters

credit repair with provider claims to verify companies are NOT allowed to charge before they do work (per the Credit Repair Organizations Act). A setup fee before any results is a risk signal.

Example

Company A charges $99 setup fee before doing anything (potential CROA violation). Company B does a free audit first, then charges a $199 work fee only after completing work (legitimate).

Legal Terms

CFPB — Consumer Financial Protection Bureau

A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.

Why it matters

The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.

Example

A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.

CROA — Credit Repair Organizations Act

A federal law that regulates credit repair companies. It bans them from charging upfront fees, making false promises, and requires written contracts with a 3-day cancellation right.

Why it matters

CROA protects you from credit repair warning signs. If a company demands payment before doing any work, they're likely violating federal law. Companies following consumer-protection rules charge after results.

Example

A company says 'Pay $500 upfront and we claim we can remove all negative items.' That violates CROA on two counts: upfront fees and specific result claims. Companies following consumer-protection rules charge monthly after work begins.

FCRA — Fair Credit Reporting Act

The federal law that regulates how credit bureaus collect, share, and use your information. It gives you the right to see your report, dispute errors, and limit who can access it.

Why it matters

FCRA is the legal basis for disputing errors on your credit report. Bureaus are required to investigate within 30 days and remove inaccurate information. You may have a right to sue if they violate your rights.

Example

You dispute an incorrect collection on your Equifax report. Under FCRA, Equifax has 30 days to investigate. If they can't verify it, they are generally required to remove it. If they ignore your dispute, you may have a right to sue for damages.

FDCPA — Fair Debt Collection Practices Act

A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.

Why it matters

Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.

Example

A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.

Debt & Recovery

Charge-Off

When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.

Why it matters

A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.

Example

You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).

Collections — Debt Collections

When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.

Why it matters

Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.

Example

An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.

Credit Cards

Balance Transfer — Credit Card Balance Transfer

Moving debt from one credit card to another, usually to take advantage of a lower interest rate (often 0% for 12-21 months). There's typically a 3-5% transfer fee.

Why it matters

A 0% balance transfer can save hundreds in interest and help you pay down debt faster. But borrowers are required to pay off the balance before the promotional period ends, or the rate jumps.

Example

You owe $8,000 at 22% APR ($147/month in interest). You transfer to a 0% APR card with a 3% fee ($240). For 18 months, $0 interest. If you pay $444/month, you're debt-free before the promo ends.

Minimum Payment — Minimum Payment Due

The smallest amount borrowers are required to pay each month to keep your account in good standing — usually 1-3% of the balance or $25, whichever is more. Paying only this amount keeps you in debt for years.

Why it matters

Minimum payments are designed to keep you paying interest as long as possible. On a $5,000 balance at 22%, minimum payments would take 20+ years and cost over $8,000 in interest.

Example

You owe $5,000 at 22% APR. Minimum payment: $100/month. At that rate, it takes 9 years to pay off and you pay $5,840 in interest — more than you originally borrowed.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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