Trusted credit specialists since 2010

Stop letting bad credit hold you back.

Licensed and bonded credit repair and debt management from El Paso, San Antonio, and Dallas, serving clients across the United States. We dispute what is wrong, negotiate what you owe, and coach you the rest of the way.

Book a Free Consultation Free Credit Repair Guide

Or call 844-349-8727. Monday to Saturday, 8 AM to 5 PM.

A family playing together at home after getting their finances back on track

Licensed & bondedTexas CSO License #2012-0007
10+ yearsServing Texas since 2010
5.0 stars on GoogleEl Paso main office, 90+ reviews
BBB Rating0 complaints in 3 years

Our credit repair services

How we fix your credit

A multi-layered approach to credit restoration focused on accuracy, legal compliance, and long-term financial health.

Credit Repair

Disputes with all three bureaus, creditor interventions, and a dedicated credit coach for every client.

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Debt Management

We negotiate with creditors to reduce balances and interest, and consolidate everything into one payment you can afford.

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Credit Counseling

Expert one-on-one advice on budgeting, debt, and credit habits, with a written action plan you can follow.

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Credit Monitoring

Real-time alerts on changes to your reports, three-bureau monitoring, and identity theft protection in your client portal.

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Secured Credit Cards

A refundable deposit becomes your credit line. Use it lightly, pay on time, and watch positive history build at all three bureaus.

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Business Loans

SBA loans, term loans, equipment financing, and lines of credit for Texas business owners.

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Why Credit Services of America

A dedicated coach, a licensed team, and no upfront fees

Personalized credit solutions. Every client is paired with a dedicated credit coach for customized credit repair and debt management strategies.
Expert debt negotiation. Tailored interventions and disputes with creditors to reach the best outcome your situation allows.
Comprehensive credit repair. Focused on more than removing negative items: on improving the score itself for real financial benefits.
Proven debt elimination. An experienced team and a proven process for late payments, charge-offs, collections, foreclosures, and more.
Unmatched commitment. A satisfaction guarantee and more than a decade of experience. If you have been with us a year and nothing has come off your report, we keep working until at least one item does.

About our team

Client success stories

Real results, real people

5.0 stars across 90+ Google reviews at our El Paso main office.

★★★★★
"I couldn't be happier with the service I received from Credit Services of America. The counselors were incredibly helpful and provided me with practical advice to get my finances back on track. Thanks to their guidance, I feel more confident about my financial future."
Matt Shires · Google review

★★★★★
"Credit Services of America helped me settle a huge personal loan for less than half of what I owed. It took a while to finalize, but they kept me informed the whole way."
Juana Wheeler · Google review

★★★★★
"Great company, recommend 100%. Nine months with Credit Services and my credit has changed up to 75%. Melinda is great and very helpful."
Carlos Orozco · Google review

★★★★★
"Mr. Howard was very detailed and knowledgeable. He was quick to answer my questions and helped me accomplish my goals. Definitely recommend, 10/10."
Monica Punzo · Google review

Get a free, no-pressure consultation

Tell us what is going on. A certified counselor will review your reports with you and explain your options in plain English.

Custom credit plans. A personalized plan to raise your score and unlock new opportunities.
Debt negotiation and settlement. Settle for less than you owe with expert help.
Debt consolidation. One payment instead of many, with lower interest where we can get it.
Credit monitoring and protection. Alerts on every change so identity theft never sneaks up on you.