FIX YOUR CREDIT. IMPROVE YOUR CREDIT. IMPROVE YOUR LIFE

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WE SPECIALIZE IN ALL YOUR CREDIT NEEDS

CREDIT APPROVAL

360 Credit Consulting can help you save! Are you trying to get credit approval? Improving your credit will save you thousands of dollars each year with better interest rates.

CREDIT EDUCATION

Do you know what’s reporting on your credit report? Do you know what can make it better or worse? Do you know how to maintain a good credit score? Take advantage of our free educational resources and start saving money today.

CREDIT RESTORATION

Don’t let a few bumps in the road hurt your financial future. Errors and inaccuracies on your credit are costly, and you might not even be aware of them.We find them and help you remove them.

FREE CREDIT ANALYSIS

We can help calculate a realistic time frame for you to achieve the results you want. 360 Credit Consulting analyzes your credit and guides you through the process.

WHY IS BAD CREDIT A BIG DEAL?

Before we dive into the problems that bad credit can cause, it’s important to understand how it impacts your life. From being denied on loan applications to facing significantly higher interest rates, bad credit can really dig a hole that can be hard to climb out of. In fact, bad credit can have a significant impact on your life the lower your score is. Here are some ways that bad credit affects you:

Overuse of Credit
Puts You at Risk

The higher the balance is on your credit card in relation to your available spending limit, the lower your credit score will be.
Late-Payments-Carry-Heavy-Penalties

Late Payments Carry
Heavy Penalties

A single late payment (30 days past due) can reduce your credit score by as much as 110 points!

Debt Management Methods Can Have Devastating Consequences

Your credit score can be reduced anywhere from 85 to 160 points if you pursue a debt settlement, short sale, or deed in lieu of foreclosure. Filing for bankruptcy will cause an even bigger drop in your credit score in the range of 130 to 245 points!

The Credit Issuer Can Limit Your Financial Freedoms

Bad credit can cause your bank to cut the spending limits on your accounts, which will further negatively impact your score.

we remove negative items from all
3 major credit bureaus!

We will remove negative accounts off of your reports on all three major credit bureaus. We are experienced in all the nuances of disputes and getting your credit completely clean.

We don’t just fix credit, but we change lives!

HOW LONG WILL THIS PROCESS TAKE?

Most clients are enrolled in our program for about 3-6 months. Some are done a little sooner and some take longer. We want to make sure you know exactly what to expect during this process so we created this timeline to give you an idea of what to expect if you started with our services today.

TYPES OF ERRORS WE CHALLENGE INCLUDE
AND ARE NOT LIMITED TO:

Personal Information

Personal information includes a broad range of information, or an opinion, that could identify an individual.
inquiries

Inquiries

A record of a request for your credit report is called a credit inquiry. You’ll see an inquiry on your credit report anytime someone pulls your report from one of the three national credit bureaus.

Bankruptcy

Bankruptcy is a legal proceeding involving a person or business that is unable to repay their outstanding debts.

Collections / Charge-off

A collection is when you stopped making payments on certain account and the original credit sells your account balance to a collection agency.

Student Loans

A student loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses.
repossessions

Repossessions

It is the action of retaking possession of something, in particular when a buyer defaults on payments.

Evictions

It is the action of expelling someone, especially a tenant, from a property; expulsion.

Late Payments

A collection is when you stopped making payments on certain account and the original credit sells your account balance to a collection agency.

Don't Let Your Credit Hold Back Your Financial Dreams

Automobiles

The higher the balance is on your credit card in relation to your available spending limit, the lower your credit score will be.

Home Ownership

Using our proven process we can repair your credit and help you qualify for purchasing a new home.

Job Opportunity

65% of employers base their hiring decisions on applicants credit reports, don’t miss out on Opportunities.

Interest Rates

Save thousands of dollars by paying lower interest rates using your improved credit.

Month to Month

$99 / per month
  • $199 Audit Fee (one time payment)
  • In-depth credit analysis
  • Unlimited disputes for harmful, unfair, and inaccurate accounts on your credit report
  • Personal Finance Tools
  • Cease & Desist Letters to Debt Collectors
  • 24/7 online account access to monitor progress
  • Money back guarantee!

Rapid Repair

$999.95
  • Payment Plans Available
  • In-depth credit analysis
  • 4 rounds of Rapid Repair disputes
  • Inquiry Removal
  • Personal Finance Tools
  • Cease & Desist Letters to Debt Collectors
  • 24/7 online access to monitor progress
  • Money back guarantee!
  • 20% off tradelines

20% off tradelines

$199 / per month
  • In-depth credit analysis & regular updates
  • Works directly with CEO
  • Unlimited disputes to remove harmful, unfair or inaccurate accounts from your credit report
  • Unlimited Inquiry Removal
  • 24/7 online account access to monitor progress
  • Funding Assistance

CREDIT REPAIR BENEFITS

Having Bad Credit Can Cost You A Lot Of Time, Energy, And Money.

When you work with Ergois we help you repair your credit profile so that you can start reaping the benefits of having a great credit score and credit profile!
Lenders use a risk-based pricing model that dictates the interest rates an individual is charged on a loan. Good credit means lower interest rates and little to $0 down payments. It also means no security deposits on things like utilities.
Your borrowing capacity is based on your income and your credit score. One of the benefits of having a good credit score is that banks are willing to let you borrow more money because you’ve demonstrated that you pay back what you borrow on time.
Insurance companies use information from your credit report and insurance history to develop your insurance risk score, so they often penalize people who have low credit scores with higher insurance premiums.
More landlords are using credit scores as part of their tenant screening process. A bad credit score, especially if it’s caused by a previous eviction or outstanding rental balance, can severely damage your chances of getting into an apartment. A good credit score saves you the time and hassle of finding a landlord that will approve renters with damaged credit.
A good credit score gives you leverage to negotiate a lower interest rate on a credit card or a new loan. If you need more bargaining power, you can take advantage of other attractive offers that you’ve received from other companies based on your credit score. However, if you have a low credit score, creditors are unlikely to budge on loan terms, and you won’t have other credit offers or options.

What affects your Credit Score?

ERGOIS Mortgage Calculator

Down Payment: $87,500 – 25%
Home Value: $350,000
Interest Rate (%): 5%
Amortization Period: 20 Years
Start After: 1 Month
Annual Property Tax: 1.2%
Annual Hazard Insurance: $1200
MI: 0.16%
Mortgate Amount:
$262,500
Total Interest:
$153,272
Total Property Tax:
$84,000
Total MI:
$8,400
Total HOA:
$24,000
Total HI:
$12,240
Total Payment:
$544,412

Frequently Asked Questions

Texas Best Credit Repair, LLC simply promises the truth. If a 700 credit score is possible for you, we’ll let you know, and we’ll do our absolute best to tell you roughly how long you can expect it to take. If it’s more realistic to expect a 640 credit score, we’re not afraid to tell you that either. Most credit repair companies say whatever they have to, just to get the sale. Our only objective is helping you fix your credit, by working to right the wrongs on your credit reports! What we can do is give you a fair estimate of how long it’s likely to take for you to see improvements in your credit score. We’ll also tell you what you can do to raise your credit scores without even enrolling in our program, and that is part of the Free Credit Consultation offered.

Texas Best Credit Repair, LLC utilizes a multiple phase audit process to have the inaccurate items removed from your credit reports. There are Federal and State laws in place to protect the consumer from inaccurate and unverifiable credit reporting. We assist you in enforcing these laws by implementing our strategy. For instance, with just 10 accounts on yourcredit report falsely reporting to the 3 credit bureaus, we would carefully craft over 30 unique dispute letters! That’s just in the 1st round alone! Most of our clients get the most benefit after 3 to 4 dispute cycles. Please understand that the success of our commitment to you is the factthat we are consistent, skilled, and knowledgeable about exactly how to approach the difficult dispute process utilizing any combination of the techniques below:

1. Thorough research and investigation of credit andcollection agencies information, inquires, public records, and source of information.
2. Carefully audit the Credit bureaus; Equifax, Experian,and TransUnion
3. Re-investigate the credit bureaus and ask for method oftheir investigation.
4. Validation of Debt Audits, demanding creditors/collection companies produce original documentation.
5. Revised Validation of Debt to the collection agencies asneeded.
6. Offer of Performance Audits to the collection agencies.
7. Omission by Silence packets back to Bureaus supplying all audits to the collection agencies/ creditors and failure to comply.
8. Estoppel letters and FTC complaints to those who do not comply with audits.
9. We utilize Delivery Confirmation mail when auditing the creditors and collection agencies to create a paper trail of documented proof.

We don’t just write letters or dispute online with the credit bureaus. We do validations of debt and audit the creditors directly. We professionally audit the creditorsand collection agencies using over 400 customized letters. We don’t use form letters like most credit repair companies.

Texas Best Credit Repair, LLC offers special pricing for spouses because we understand how important healthy credit is for couple’s future financial goals. When purchasing a home it becomes vital for both spouses to have a healthy credit profile. Often times, such as, with Government Home Loans like 1st Time Home Buyer Programs, it is a mandatory requirement for both spouses credit to be factored into the application process. Essentially, applying for credit together allows for couples to factor both of their incomes into their application thus increasing their maximum approval loan amount. Make the wise decision to maximize both of your credit profiles before it’s too late because having the best credit helps alot with home purchase loans.

You can do it yourself, or you can put your trust in a professional credit restoration company. Helping consumers with credit troubles is our #1 goal, so we are happy to recommend many do it yourself credit programs available on the internet. Please keep in mind that you can build your own house or represent yourself in court just as you could take on the arduous task of repairing your own credit. The education on understanding how to repair your own credit could take you months or years depending on your time availability. It is a “Time vs Reward” Scenario. Simply put, repairing your own credit will take significant time away from the most important tasks in your life such as work and family. Don’t forget all the while you are paying high interest rates & the highest premiums on any financial product or service that bases their rates on your credit scores. We encourage you to spend more of your valuable time doing what you do best such as your career or the normal challenges life presents on a daily basis. Rest assured, with Texas Best Credit Repair, LLC you are hiring a highly skilled and trained team of experts that will handle all your inaccurate & derogatory credit accounts in a timely manner, carefully coach you monthly on the techniques of improving your credit, provide you access to our 24 hour Credit Repair Results Portal, and get the job done right the first time. Our processing team has been repairing credit for consumers just like you for years, and our expertise in the credit restoration industry is unmatched. Our experience with dealing with collection companies makes a tremendous difference! Because we have worked with so many clients over the years, we have usually already worked toremove and delete inaccurate or illegally filed derogatory information with the very same collection companies that are unjustly negatively impacting your credit scores!

It’s easy to get a Credit Report. Our Team will help you obtain an online Credit Report during your Free Credit Consultation. It is one of the best features of doing the Free Credit Consultation. Remember to ask your Credit Analyst to email you a PDF Copy!

Typically, you’ll begin to have results from the individual creditors and collection companies within 35-45 days. Your results come directly to you, so you know exactly how your credit repair is progressing, even before we do! Be sure to ask every credit repair company you’re considering to give you an expected time-line, based ontheir current performance, and hold them to it!

Frequently Asked Questions

How much of an increase can I expect in my credit scores?

Texas Best Credit Repair, LLC simply promises the truth. If a 700 credit score is possible for you, we’ll let you know, and we’ll do our absolute best to tell you roughly how long you can expect it to take. If it’s more realistic to expect a 640 credit score, we’re not afraid to tell you that either. Most credit repair companies say whatever they have to, just to get the sale. Our only objective is helping you fix your credit, by working to right the wrongs on your credit reports! What we can do is give you a fair estimate of how long it’s likely to take for you to see improvements in your credit score. We’ll also tell you what you can do to raise your credit scores without even enrolling in our program, and that is part of the Free Credit Consultation offered.

How does your credit repair system work?

Texas Best Credit Repair, LLC utilizes a multiple phase audit process to have the inaccurate items removed from your credit reports. There are Federal and State laws in place to protect the consumer from inaccurate and unverifiable credit reporting. We assist you in enforcing these laws by implementing our strategy. For instance, with just 10 accounts on yourcredit report falsely reporting to the 3 credit bureaus, we would carefully craft over 30 unique dispute letters! That’s just in the 1st round alone! Most of our clients get the most benefit after 3 to 4 dispute cycles. Please understand that the success of our commitment to you is the factthat we are consistent, skilled, and knowledgeable about exactly how to approach the difficult dispute process utilizing any combination of the techniques below:

1. Thorough research and investigation of credit andcollection agencies information, inquires, public records, and source of information.
2. Carefully audit the Credit bureaus; Equifax, Experian,and TransUnion
3. Re-investigate the credit bureaus and ask for method oftheir investigation.
4. Validation of Debt Audits, demanding creditors/collection companies produce original documentation.
5. Revised Validation of Debt to the collection agencies asneeded.
6. Offer of Performance Audits to the collection agencies.
7. Omission by Silence packets back to Bureaus supplying all audits to the collection agencies/ creditors and failure to comply.
8. Estoppel letters and FTC complaints to those who do not comply with audits.
9. We utilize Delivery Confirmation mail when auditing the creditors and collection agencies to create a paper trail of documented proof.

We don’t just write letters or dispute online with the credit bureaus. We do validations of debt and audit the creditors directly. We professionally audit the creditorsand collection agencies using over 400 customized letters. We don’t use form letters like most credit repair companies.

Is it important to enroll my Spouse/Partner?

Texas Best Credit Repair, LLC offers special pricing for spouses because we understand how important healthy credit is for couple’s future financial goals. When purchasing a home it becomes vital for both spouses to have a healthy credit profile. Often times, such as, with Government Home Loans like 1st Time Home Buyer Programs, it is a mandatory requirement for both spouses credit to be factored into the application process. Essentially, applying for credit together allows for couples to factor both of their incomes into their application thus increasing their maximum approval loan amount. Make the wise decision to maximize both of your credit profiles before it’s too late because having the best credit helps alot with home purchase loans.

Can I just do Credit Repair for myself?

You can do it yourself, or you can put your trust in a professional credit restoration company. Helping consumers with credit troubles is our #1 goal, so we are happy to recommend many do it yourself credit programs available on the internet. Please keep in mind that you can build your own house or represent yourself in court just as you could take on the arduous task of repairing your own credit. The education on understanding how to repair your own credit could take you months or years depending on your time availability. It is a “Time vs Reward” Scenario. Simply put, repairing your own credit will take significant time away from the most important tasks in your life such as work and family. Don’t forget all the while you are paying high interest rates & the highest premiums on any financial product or service that bases their rates on your credit scores. We encourage you to spend more of your valuable time doing what you do best such as your career or the normal challenges life presents on a daily basis. Rest assured, with Texas Best Credit Repair, LLC you are hiring a highly skilled and trained team of experts that will handle all your inaccurate & derogatory credit accounts in a timely manner, carefully coach you monthly on the techniques of improving your credit, provide you access to our 24 hour Credit Repair Results Portal, and get the job done right the first time. Our processing team has been repairing credit for consumers just like you for years, and our expertise in the credit restoration industry is unmatched. Our experience with dealing with collection companies makes a tremendous difference! Because we have worked with so many clients over the years, we have usually already worked toremove and delete inaccurate or illegally filed derogatory information with the very same collection companies that are unjustly negatively impacting your credit scores!

How Do I Get A 3 Bureau Credit Report?

It’s easy to get a Credit Report. Our Team will help you obtain an online Credit Report during your Free Credit Consultation. It is one of the best features of doing the Free Credit Consultation. Remember to ask your Credit Analyst to email you a PDF Copy!

When do I see results?

Typically, you’ll begin to have results from the individual creditors and collection companies within 35-45 days. Your results come directly to you, so you know exactly how your credit repair is progressing, even before we do! Be sure to ask every credit repair company you’re considering to give you an expected time-line, based ontheir current performance, and hold them to it!

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