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Reviewed By:
Ashley Davison
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world every...
Texas is tied with Georgia for the fourth-lowest average credit score in the U.S. Texans have an average FICO Score of 692, about 3% below the U.S. average of 713 and lower than 45 other states, according to Experian’s 2025 data (published March 2026).
Texas also ranked fourth in the nation for identity theft reports per person in 2024, according to the FTC.
You can dispute errors on your credit reports yourself for free, or, if that’s more work than you have time for, hire a reputable credit repair company that serves Texas. This guide covers both options and how to fix fraud on your report.
Key Takeaways
Texas’s average FICO Score was 692 in 2025, tied with Georgia for the fourth-lowest in the U.S., according to Experian.
You can dispute credit report errors yourself for free. The FTC says anything a credit repair company can do legally, you can do yourself for little or no cost.
If that’s more work than you have time for, a reputable credit repair company that serves Texas can handle the disputes for you.
Texas had the fourth-highest rate of identity theft reports in 2024 (FTC). If you find fraud, report it at IdentityTheft.gov and ask each bureau to block it.
Before you hire a company, get a written contract and pay nothing until the work is done.
How Does Credit Repair Work in Texas?
Credit repair in Texas works as it does in every state: you dispute the items you believe are inaccurate, outdated or unverifiable with Equifax, Experian and TransUnion. Information that is inaccurate or can’t be verified must be corrected or deleted. Accurate, verified items stay for the period the law allows.
The bureau checks your dispute with the business that reported the item and sends you the results in writing. You can do every step yourself, or a credit repair company can send the disputes and letters for you under a written contract. See how credit repair works, step by step.
If an account on your report isn’t yours at all, that’s identity theft, and federal law gives you a separate way to block it. That’s covered in the fraud section below.
Can You Fix Your Credit for Free in Texas?
Yes. You can dispute errors with the credit bureaus yourself, and it costs nothing but your time. Here’s how:
Get all three reports. Free weekly reports from Equifax, Experian and TransUnion are at AnnualCreditReport.com, as of October 2026. Each may differ. See how to get all three credit reports for free.
List the items you believe are inaccurate. Look for accounts you don’t recognize, wrong balances, on-time payments marked late and duplicate debts. Most negative items can stay about seven years from the account’s first delinquency.
Gather your proof. Collect statements, payment confirmations or letters that show what’s wrong.
Dispute with the bureau and the business that reported the item. Explain what’s wrong, attach copies of your proof and keep copies of everything you send.
Watch for the results. A credit bureau investigation can take up to 45 days, and you should get the results in writing.
Is It Worth Hiring a Credit Repair Company in Texas?
It can be, if you don’t have the time to do the work yourself. Disputing errors on your own is free, and the FTC says, “Anything a credit repair company can do legally, you’ll be able to do for yourself for little or no cost.”
No one, including a credit repair company, can have accurate, current information removed from your report.
What a company gives you is time and follow-through. Errors often show up on more than one report, and each bureau and creditor responds on its own timeline.
Keeping track of letters, documents and deadlines across all three bureaus takes steady work. That’s even more true when you’re cleaning up fraud.
If you want that help, Credit Saint is available in 45 states, including Texas, and has been in business since 2007.
Our team reviews your credit history, and we challenge the items you believe are inaccurate, incomplete or unverifiable with your creditors and all three credit bureaus on your behalf. Credit Saint offers a 90-day money-back guarantee.
If nothing is removed from your credit history in the first 90 days, you’re entitled to a refund. Credit service companies cannot promise a result or credit score increase. To see where your credit stands, start a free credit review.
The best credit repair company in Texas is the one that does the work you’d otherwise do yourself, honestly and on a clear contract. Compare a few companies that serve Texas and look for one that:
Disputes only the items you believe are inaccurate, incomplete or unverifiable
Puts the services, total cost and expected time frame in a written contract before you pay
Charges nothing until the work is done
Never promises to remove accurate items or raise your score by a set number of points
Explains how to cancel, and any fees to stop, before you sign
How Do You Fix Fraud on Your Credit Report in Texas?
You fix fraud on your credit report by reporting the identity theft, protecting your file with a fraud alert or credit freeze, and asking each credit bureau to block the accounts that aren’t yours. It’s a common problem in Texas. According to the FTC’s Consumer Sentinel Network Data Book 2024 (published March 2025):
Texas ranked fourth in the nation for identity theft reports in 2024, with 393 reports per 100,000 people and 116,484 reports in all.
Credit card fraud was the most common type, in 38% of Texas identity theft reports, and loan or lease fraud was in 22%.
Texas ranked sixth for reports of fraud and other consumer problems per person, and Texans reported $897.9 million in fraud losses in 2024, with a median loss of $500.
Among metro areas, Houston-Pasadena-The Woodlands ranked third for identity theft reports per person (573 per 100,000) and Dallas-Fort Worth-Arlington ranked tenth (475 per 100,000).
If you find accounts or charges you don’t recognize, take these federal steps:
Report it to the FTC. File at IdentityTheft.gov to get an identity theft report and a recovery plan.
Protect your file. An initial fraud alert lasts at least one year, and the bureau you contact must notify the other two. With an identity theft report, you can place an extended alert for seven years. A credit freeze is free by law, but you must place it with each bureau separately.
Ask each bureau to block the fraudulent items. Send your identity theft report, proof of your identity and a letter that identifies the fraudulent information and says it isn’t from a transaction you made. A bureau generally must block that information within 4 business days of receiving your request, and it must tell the business that reported it.
Contact the companies where the fraud happened. Close any affected accounts and ask the fraud department to remove charges you didn’t make.
The CFPB notes that once a creditor is notified, it can’t turn identity theft debts over to debt collectors.
For the full walkthrough, including rebuilding afterward, see our guide to repairing credit after identity theft. If fraud shows up on all three reports and you don’t have time to track every dispute and letter, a reputable credit repair company can handle that work for you.
How Much Does Credit Repair Cost in Texas?
Disputing on your own is free, and a company’s price varies, so get the total cost in writing. A reputable company won’t charge you until the work is done, and its contract lists the total cost and expected time frame. Before you sign, ask:
Is there a setup or first-work fee, and when is it charged?
What is the monthly fee, and what does each month include?
Credit Repair in San Antonio, Houston, Dallas-Fort Worth and Austin
Credit repair works the same way in San Antonio, Houston, Dallas-Fort Worth and Austin, just as it does in the rest of Texas. You can dispute online or by mail, so you don’t need a local office.
If you’d rather hire help, Credit Saint is available in Texas, including all four areas.
If you live in the Houston or Dallas-Fort Worth area, check your reports closely for fraud: both metro areas ranked in the top 10 for identity theft reports per person in the FTC’s 2024 Consumer Sentinel Data Book.
Texas Credit Repair FAQs
Yes, when a company follows Texas’s credit services law and the federal Credit Repair Organizations Act. Texas law also bars a company from guaranteeing to “erase bad credit” unless it clearly says this works only when the history is inaccurate or obsolete.
Yes. Disputing errors yourself is free, and HUD-approved housing counselors, which you can find with the CFPB’s housing counselor search, advise on credit issues, often at little or no cost. San Antonio, Houston and Dallas also run city Financial Empowerment Centers that offer free one-on-one financial counseling.
No, not when a company follows the law. But no one can legally remove accurate, current information. The FTC warns about companies that want payment before they help, tell you not to contact the credit bureaus, tell you to dispute accurate information or offer a new credit identity. See credit repair scam red flags.
Bottom Line on Credit Repair in Texas
Texas’s average credit score trailed 45 other states in 2025, and its identity theft report rate ranked fourth in the nation in 2024, so start by checking all three of your credit reports.
You can dispute errors yourself for free, and report any fraud at IdentityTheft.gov. If that’s more work than you have time for, choose a company that serves Texas, disputes only what you believe is wrong and charges nothing until the work is done.
Reviewed By:
Ashley Davison
Editor
Ashley is currently the Chief Compliance Officer for Credit Saint, previously the Chief Operating Officer. Ashley got into the Financial world by working as a Logistics Coordinator at Ernst & Young. Coming from a previous career in education, she is eager to teach the world everything she knows and learn everything that she doesn’t! Ashley is a FICO® certified professional, a Board Certified Credit Consultant, a Certified Credit Score Consultant with the Credit Consultants Association of America, UDAAP certified, and holds a Fair Credit Reporting Act (FCRA) Compliance Certificate.
