Credit repair and debt management services
Unlock better financial opportunities and take control of your future. Every service starts with a free consultation and is delivered by licensed, certified counselors.
- 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
Personalized credit and debt solutions
Choose where you want to start. Your counselor will tell you which services fit and which you do not need.
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, lines of credit, and commercial real estate funding for Texas businesses.
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Everything we do stays inside the law
From credit repair to debt management, every solution adheres to the Fair Credit Reporting Act, the Credit Repair Organizations Act, and Texas licensing rules. That means a written contract, no advance fees, and no promises we cannot keep. Trust us to protect your financial integrity while guiding you toward a healthier financial future.
- Texas Credit Services Organization License #2012-0007
- Texas Debt Management Service Provider License #DM12-10132
- Bonded: #5094141, #57BSBGY3230, PB11511001355
- Certified credit counselors on every account
- No setup fees, no hidden fees, never pay per deletion
Questions we hear most about our services
What exactly does credit repair involve?
Credit repair from CSA involves reviewing your credit reports for inaccuracies, disputing incorrect information, and using lawful strategies to remove negative items that cannot be verified.
How can debt management help me?
Our debt management services include negotiating with creditors to lower your interest rates, reduce your total debt, and create manageable, consolidated monthly payments.
Are your credit services legally compliant?
Yes. All our credit services comply with federal and Texas regulations, and CSA is licensed and bonded to offer credit repair and debt management services.
What is a secured credit card, and how can it help me build credit?
A secured credit card requires a cash security deposit that becomes the credit line for that account. It is a reliable tool to build or rebuild your credit score responsibly.
Can CSA help with foreclosures and liens?
Yes. Our services include assistance with foreclosures, liens, repossessions, and other credit and debt issues that show up on your reports.
What makes your credit coaching personalized?
Every client works one-on-one with a dedicated coach. Strategies and advice are tailored to your specific reports, budget, and goals, not a script.
How long does it typically take to see improvements in my credit score?
Some clients see improvement in 30 to 60 days. The total time depends on what is on your reports and your individual situation.
How does CSA protect my personal information?
We use industry-standard security measures to protect your personal information from unauthorized access and handle your data with strict confidentiality.
Is there a guarantee for your services?
Yes, a satisfaction guarantee. If you have been a client for a year and no negative item has come off your report, we keep working on your file until at least one does. We do not offer refunds. No credit repair company can lawfully guarantee a specific score increase or the removal of accurate information.
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.