Frequently Asked Questions

Is credit repair legal?
Absolutely!  In fact, legitimate credit repair services, such as those provided by Texas Credit Resiliency LLC, is not only legal, but our clients are protected by Federal Law.  The Fair Credit Reporting Act requires that credit bureaus provide fair and accurate information about your credit history. If you find inaccurate information on your report, you’re entitled to request that it be investigated and removed.  Texas Credit Resiliency LLC follows all State and Federal guidelines pertaining to businesses operating as Credit Services Organizations, and maintains all required licenses and bonds.

When can I expect to see results?

This is probably the #1 question we are asked by our clients.  By law, once a dispute is received by the bureau or debt reporter, they have 30-45 days to respond.  Failure to do so leaves the door open for lawsuits and they don’t want to take that chance.  Typically, our clients begin to receive communication from the bureaus, creditors and collection companies within this time period.  Responses from these agencies will come directly to you at the address that you provided when you signed up with Texas Credit Resiliency LLC, so you will know exactly how your credit restoration journey is progressing, even before we do!  Please make sure that you upload or mail in all correspondence that you receive from creditors, etc. during your enrollment in our program.

How much of an increase can I expect to see in my credit scores?

Our guarantee to you is that we can NOT guarantee you a specific score or specific score increase, however we promise to use every legal tool available to us to help you achieve the best possible outcome based on your starting point.  Any credit repair organization that promises you exact numbers or specifics, is setting both themselves and you up for failure because NO ONE can accurately predict how removing negative items from your reports will impact your scores.  Your expected results will be discussed during your consultation.

Can you explain how your program works?

After a thorough analysis of your credit reports, Texas Credit Resiliency LLC will initiate the first round of dispute letters.  We follow a tried and true methodology of getting erroneous information removed from a client’s credit reports:

  1. Round 1:  We demand verification of the debt.  Generally speaking, these letter are sent only to the credit bureaus because often times, disputing directly with the bureaus is the only dispute needed.
  2. Round 2:  Highly targeted dispute letters are sent, again demanding that the information that’s being reported on your bureau reports is 100% accurate!
  3. Repeat these two steps until the erroneous information is validated or REMOVED.
  4. We aren’t afraid to help our clients flex their rights to ensure that they’re being treated fairly, and we aren’t afraid to issue warnings and demand reinvestigations into remaining disputed accounts.  We don’t trust the debt reports and neither should you – when they say NO, we don’t just say yes, we say SHOW ME THE PROOF and we DEMAND that they reinvestigate/validate or remove all erroneous information.  If warnings don’t work, we’ll help you REALLY flex those muscles by filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission and the Better Business Bureau – and believe us when we say that this is the LAST thing the bureaus and debt collectors want.
  5. Occasionally, a legitimately validated derogatory debt can still be removed.  When this happens, we intervene to facilitate “goodwill” removals of such things as late payments, etc.
  6. Lastly, while enrolled in our program, Texas Credit Resiliency will provide periodic information pertaining to general “best practices” that our clients should be following in order to achieve the best results possible.  Credit restoration can get you only so far – you as the client hold the power to bring your scores up even more.

Can I fix my credit myself?

The ONLY response to this is YES!  You can also repair your own car and paint your own house, but most people don’t.  Why?  Either they don’t have the time to do the job and do it right, or maybe they’ll start the process of tackling one of these chores but quickly become overwhelmed with because they don’t have the right tools.  This is where contracting with a professional organization like Texas Credit Resiliency LLC comes in.  Our dedicated staff of highly trained professionals know every aspect of the federal laws pertaining to debt collection, and we know how to use those laws to YOUR advantage!

What is your cancellation policy?

Under Texas law, after signing a contract for services, consumers may cancel said contract any time before midnight on the 3rd day, with no penalty or obligation.  To cancel your contract within the first 3 day window, send written notification of cancellation, along with a copy of your driver’s license to validate your identify, to the address shown at the bottom of this page (the post mark date will then become the official notification date to ensure compliance with the 3 day law), or simply send us a message through your secure client portal.

Texas Credit Resiliency LLC offers new clients a 3 day free trial.  During this 3 day period, the first round of dispute letters will be generated.  On day 4, the client’s credit card will be charged for the amount of their chosen plan’s start-up fee.  Monthly billing will start on the 30 day anniversary contract signing, and will continue for a period not to exceed 6 months (plans that extend beyond 6 months will be renewed during the 5th month).  To cancel your plan, send written notification of cancellation, along with a copy of your driver’s license to validate your identify, to the address shown at the bottom of this page, or simply send us a message through your secure client portal.  Plans can be cancelled at any time, however since work performed is billed in arrears, clients who cancel will still be responsible for one final monthly payment.

Please see our Terms and Conditions for answers to more questions you have.