TEXIT CREDIT was created specifically for the unique credit repair and credit building needs of Texans, and those who wish to drastically improve their credit. As the best-in-industry credit repair firm TEXIT CREDIT has UNIQUE abilities that no other credit repair firm has:

When you enroll into TEXIT CREDIT Repair services you will be able to instantly access your own Credit Reports (username/password protected) from all three major credit bureaus, and monitor your credit every single day. Watch as we force negative items to be deleted off your credit reports. You will also be able to upload correspondence to us that the credit bureaus send to you. As a Texit Member Client, you can contact us anytime with questions or concerns.


Are you being harassed by creditors and bill collectors or simply buried in too much debt or student loans? You can even set-up a no-cost, no-obligation consultation with our Consumer Defense/Debt Litigation Attorneys – all in one place. Right here on the TEXIT CREDIT website.

Once your credit is fully repaired, we can add perfect credit to your credit reports for a credit score boost! And when your credit is ready, we can even help you secure a low-cost mortgage through our preferred mortgage lenders.

What is Texit Credit?

Texit Credit is a unique Credit Repair firm built from the ground up to assist our clients with their credit repair needs. Texit Credit is here to help you meet your credit repair goals. No matter your credit history and financial standing, our credit repair services are designed to help you dramatically improve your credit score. We are professional credit repair experts and experienced credit repair processors working together with the best Texas Consumer Defense / Debt Litigation Attorneys.

We’re here to represent our clients that are subjected to inaccurate, unfair or unverified negative items on credit reports. Negative items could be keeping you from getting a loan or costing you thousands of dollars in higher interest rates and fees. Texit Credit works with you, leveraging your legal rights to address the questionable negative items actively hurting your reports.

What is credit repair?

Credit repair involves fixing inaccurate, misleading, unverifiable, untimely, biased or incomplete information listed on your credit report. Errors on a credit report can add up to low credit scores that can stop you from getting loans, getting credit cards or securing any form of financing. In order to fix these errors, credit reporting agencies require you to work through a series of formal dispute letters and complicated online disputing systems.

You can file disputes with the credit bureaus and your creditors, either by yourself or by using a credit repair service. Depending on how severe the damage is on credit reports, or how much inaccurate information there is, it may be easier to use a credit repair service than to work on your credit yourself because of how time consuming and confusing the process can be. There are different factors to consider when making this decision, but first, we’ll explore what credit repair services are and what they can and cannot do.

To make the disputing process easier, Texit Credit will work with you to identify and dispute inaccuracies listed on your report. Our credit repair process spots issues quickly and our team will make sure your best interests are represented in the disputing process.

Is credit repair legal or a scam?

When thinking about repairing credit, a couple of commonly asked questions that may pop up are “can I really repair my credit?” “And is this even legal?” The answer to both of these questions is, yes, you can repair your credit and yes, it is legal. Credit reports often have errors in them. In a 2012 Study, the Federal Trade Commission found that one in five credit reports contain errors. In many cases, these errors are detrimental to people’s credit. There are laws that allow consumers to dispute accounts on their credit reports that are unfair, inaccurate, and unverified. Oftentimes, errors occur because of mistakes in reporting or identity theft.

How we fix your credit

  1. Credit report analysis
  2. We obtain your credit report from the three major credit bureaus ; (Equifax, Experian and TransUnion) and analyze information on those reports, targeting negative items that are affecting your credit score, our team then creates a disputing plan.

  3. Credit disputing
  4. The Credit Repair team assigned to your file reviews your negative items and drafts the appropriate dispute correspondence to the creditors or credit bureaus. Texit Credit’s team practices care for each item to ensure the best method of removal is matched to your negative item.

  5. Dispute escalating
  6. If a negative item requires more care or correspondence to remove, the dispute can be escalated up to and including legal representation. Sourcing a series of laws including the Fair Credit Reporting Act, Fair Debt Collection Practices Act, US-Code, The Code of Federal Regulations, Texas Debt Collections Act, and State-by-State Statutes of Limitations on Debts and Collections, we ensure your credit rights are accurately represented.

  7. Credit score analysis and monitoring

Through the client portal we offer 24/7 access to full credit score analyses and monitoring as well as the ability for you to upload documents and credit bureau correspondence.

The Laws Governing Credit Repair

Aside from the Credit Repair Organizations Act (CROA), there are other laws that the government has put in place to help consumers with credit. These laws were implemented to make sure that credit reports are fair and to also make sure that debt collection practices are reasonable. These two laws are most important to understand when repairing your credit.

  1. Fair Credit Reporting Act (FCRA): The FCRA was put into place in 1970 by the federal government. Besides allowing you to dispute errors on your credit reports, it also regulates the credit bureaus. Before the FCRA was put into place, consumers didn’t even have access to credit reports, and they couldn’t dispute errors. Some parts of the FCRA include the following:
    • You must be informed when your credit file has been used against you (such as a denial for a loan or credit application).
    • Permission must be granted prior to your credit information being provided to someone other than yourself, such as a lender or employer.
    • You are allowed free access to your credit reports once every 12 months.
    • Credit bureaus must act on disputes in a reasonable amount of time, which is usually 30 days.
    • How long negative information can be reported is regulated. The maximum for most negative accounts is seven years, although in some cases, such as certain types of bankruptcies, accounts can be reported for up to ten years.
  2. Fair Debt Collection Practices Act (FDCPA): Established in 2010, the Fair Debt Collection Practices Act (FDCPA) limits how a creditor may contact you and collect debt.“There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices are illegal.”

The FDCPA requires that:

  • Debt collectors cannot contact you by phone if you request it. They also cannot contact you before 8:00 AM and after 9:00 PM.
  • Debt collectors cannot contact your employer if you ask them to stop.
  • Debt collectors cannot contact you directly if you are represented by an attorney.
  • Debt collectors cannot lie to you about who they are or mis-represent themselves.
  • When calling to collect a debt, debt collectors cannot make threats, scream, use profanity, or threaten violence. For example, they cannot threaten to call the police or put you in prison. They also cannot threaten to sue you unless they actually intend to do so.
  • Debt collectors cannot inform family members about your debt. They may ask how to contact you, but they cannot reveal any details of the debt including the balance, what it is for, and etc.
  • Debt collectors cannot demand you make payment if you have initiated the debt validation process or if the debt cannot be validated.

Tips for helping us to repair your credit

Aside from removing inaccurate negative information on your credit reports, there are other ways to improve your credit. This means building positive credit by using your credit cards responsibly and paying your debts on time. Here are some ways that you improve your credit rating:

  1. Lower your credit utilization ratio: Your credit utilization ratio is how much credit you have available on your revolving accounts (credit cards) vs. how much credit you’re actually using. For example, if you have a $10,000 credit limit and currently have a balance of $5000, then your utilization ratio would be 50%. Experts advise that keeping your utilization ratio under 30% is ideal, but the lower it is, the better your score is likely to be. Paying down balances can go a long way in helping you improve your score.
  2. Request a limit increase on credit cards: If paying down debt is too difficult, then requesting a credit limit increase can help you decrease your credit utilization ratio. For example, if your $10,000 credit limit increases to $20,000, then your $5000 balance now gives you a utilization 25% ratio. If your account is in good standing, and your credit score is high enough, then you may be able to get a credit limit increase.
  3. Become an authorized user: If you’re not able to qualify for a credit card on your own, then becoming an authorized user can be helpful. Many creditors report authorized users to the credit bureaus. You can ask a trusted friend or family member with good credit to make you an authorized user on a credit card and if the creditor reports authorized users, their good credit history will be reflected on your credit reports.
  4. Consolidate: If you have a lot of credit card debt that may seem difficult to pay off, you can try consolidating, either by taking out a loan, which typically offers lower interest rates or by combining balances on your existing credit cards.
  5. Be patient: When it comes to repairing or building credit, it takes time. If you have a long credit history, you’re likely to have a higher score. When lenders see this and your history is positive, they may be more inclined to lend to you. You may be doing everything “right” but may still see something lacking in your credit score. Remember, it takes time to build or repair credit, so be patient.

What's the cost of credit repair? Can I repair my own?

When you’ve decided to fix your credit, there are costs to consider. Are you willing to adjust your budget to pay for credit repair services? Or would you rather save money and spend time disputing items on your credit reports on your own? Either way, there’s usually some kind of cost involved with repairing credit.


To begin disputing accounts on your credit reports, you need to take the time to go through each credit bureau’s report in order to know what errors are actually there. It’s a good idea to review all three (Equifax, Experian, and TransUnion) because the same information isn’t always included on all three credit reports. Your reports can also be difficult to understand, especially if you don’t have much experience with credit.

Once you’ve gone through your reports and identified what information needs to be addressed, you need to submit a letter or a statement, along with any supporting documentation you may have to the creditor or credit bureaus, which equals more legwork and more time. Also, if you don’t understand credit repair laws, then this can make disputing more time-consuming and more complicated. When you send off your disputes, you’ll want to make sure to keep records of what you sent.


Maybe your dispute letter wasn’t effective and you find that the information wasn’t removed from your credit report. Or maybe you forgot to include an important piece of documentation with your dispute. Now you have to start all over again. Mistakes like this can end up costing you more time and money. At that point, the dispute process may seem like it’s a hassle, and you have to re-think your strategy. Also, if you’re trying to apply for credit sometime in the near future, you may have to put it off until a later time.


If you decide to try a credit repair service, rather than giving up time, you’re spending money. Doing this can put a strain on a tight budget, and is even more difficult if you’re trying to get out of debt – a situation many people find themselves in. For some people, spending the money on credit repair may be too costly, so they prefer to do it themselves.

Texit Credit – Why Choose Us?

Do I Need an Attorney to Help Me Fix My Credit?

With all the laws that govern credit and credit reporting, you may ask the question “do I need an attorney to help me fix my credit?” The answer to this is no but using a law firm’s services may prove useful in helping you. We have attorneys and processors familiar with these laws who are available to assist clients throughout the credit repair and debt litigation process. Not only that, but it’s convenient because we send out letters on your behalf and let you monitor your case online 24/7. We also make sure that we strictly adhere to CROA regulations and Texas State law.

Our Services

At Texit Credit, we understand that everyone’s case is different – no two credit reports are the same. We customize our client's files based on their individual needs. We also offer different service levels based on what our clients’ needs are. We offer Credit Score tracking and analysis, 3-Bureau Credit Report access, tools to protect and manage your credit repair, and additional legal interventions for abusive third-party debt collectors. For those clients who have already completed their credit repair journey, we offer stand-alone credit monitoring services to help them keep an eye on their credit.

Nobody can do what Texit Credit can do – all in one place!