Credit repair in San Antonio, TX
Serving the San Antonio community with the full range of licensed credit services and debt settlement programs. Our team guides you through debt negotiation and management with plans built around your budget.
- 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
Office details
Address
1100 NW Loop 410, Suite 700
San Antonio, TX 78213
Phone
844-349-8727
Manager
Mike Galvan
Getting here
On Northwest Loop 410 with easy access from the loop, just east of San Antonio International Airport.
Hours (Central Time)
| Monday | 8:00 AM to 5:00 PM |
|---|---|
| Tuesday | 8:00 AM to 5:00 PM |
| Wednesday | 8:00 AM to 5:00 PM |
| Thursday | 8:00 AM to 5:00 PM |
| Friday | 8:00 AM to 5:00 PM |
| Saturday | 8:00 AM to 5:00 PM |
| Sunday | Closed |
Consultations by phone or video are available for clients anywhere in the United States.
Free consultation
A certified counselor at the San Antonio office will review your reports and explain your options.
Credit repair and debt help for San Antonio
Our San Antonio office is on Northwest Loop 410, just east of San Antonio International Airport, with easy access from the Loop. It serves clients across the metro, including Alamo Heights, Castle Hills, Balcones Heights, Terrell Hills, Leon Valley, Converse, Universal City, Schertz, and New Braunfels.
Most credit problems come down to a few things: late payments, collections, charge-offs, and balances that grew faster than the payments. We start with a free review of your three credit reports, dispute what is inaccurate, incomplete, or unverifiable, and tell you plainly which items have to age off on their own.
If the bigger problem is the debt itself, our licensed debt management program can roll eligible credit cards, personal loans, medical bills, and collections into one monthly payment, with our negotiators working each creditor for lower interest and, in many cases, a lower payoff. Many San Antonio clients do both: debt management to get the balances under control, and credit repair to clean up what is reported.
How it works
- Free consultation. Meet at our NW Loop 410 office, or by phone or video from anywhere in the San Antonio area.
- Review your three reports. We go through Equifax, Experian, and TransUnion with you and mark every item worth challenging.
- Build your plan. Credit repair, debt management, or both, with the price in writing before anything starts.
- Track your progress. Your counselor reviews each round with you, and the client portal shows your results as they come in.
Credit and debt management services in San Antonio
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 San Antonio business owners.
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What our clients say
Read reviews from real clients of this office, or leave your own. Our El Paso main office is rated 5.0 stars on Google.
Proudly serving San Antonio Metro
- San Antonio
- Alamo Heights
- Castle Hills
- Balcones Heights
- Terrell Hills
- Converse
- Leon Valley
- Universal City
- Schertz
- New Braunfels
What clients say about Credit Services of America
★★★★★
"Great company, recommend 100%. Nine months with the credit services and my credit has changed up to 75%. Melinda is great and very helpful."
★★★★★
"Mr. Chris and Abraham are amazing people. They made me feel welcome, are straightforward, and answered all my questions before I even asked."
★★★★★
"Mr. Howard was very detailed and knowledgeable. He was quick to answer my questions and helped me accomplish my goals. Definitely recommend, 10/10."
Credit repair in San Antonio: common questions
How much does credit repair cost in San Antonio?
Pricing depends on what is on your reports and what you want to accomplish. After a free consultation, you get your price in writing before anything starts. As federal and Texas law require, we do not charge for credit repair work before it has been performed.
Do you offer debt consolidation in San Antonio?
We offer debt management, which consolidates eligible unsecured debts into one monthly payment without a new loan. Our negotiators work with each creditor to lower interest and, in many cases, the balance to settle. Plans are built to finish in 12 to 84 months.
Do I have to come to the office?
No. You can meet us at 1100 NW Loop 410, Suite 700, or handle your consultation and every step after it by phone or video.
Can you help with collections and charge-offs?
Yes. We dispute collections and charge-offs that are inaccurate or cannot be verified, request debt validation from collectors, and negotiate settlements on accounts you do owe.
How long does credit repair take?
Each dispute round takes 30 to 45 days while the credit bureaus investigate, and most files need two or three rounds. Your counselor tracks every round, explains what came back, and plans the next step.
Can you remove accurate negative items?
No. No company can lawfully remove accurate, verifiable information. We dispute items that are inaccurate, incomplete, or cannot be verified, and we work with creditors on goodwill requests, debt validation, and settlements.
Helpful reading
Ready to take control of your credit?
Book a free consultation with a certified credit counselor. We review your reports, explain your options, and build a plan you can actually follow.