Credit repair consultation desk at Loyalty Pro Services in San Juan, Texas

Credit Repair

Credit Repair in San Juan, TX
Start With the Truth.

A bad report follows you into every loan office in the Valley. We pull yours up, tell you plainly what is on it, and go after the items that should not be there — late payments, collections, charge-offs, hard inquiries. Then we show you how to rebuild.

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Walk-Ins Welcome | Mon–Sat 9–5 | Phone & WhatsApp

Nobody Explains the Report to You

That is the part most people in San Juan, Alamo and McAllen get stuck on. A dealership says no, a landlord says no, and nobody sits down and shows you why. We start there — the actual report, read out loud, in plain words — before anyone talks about disputes.

What We Dispute

Credit Repair

Reports are full of things that are outdated, duplicated, or simply not yours. Those are the items the dispute process exists for, and they are more common than people expect.

We go through your report line by line and challenge what does not hold up. What is accurate and current, we tell you so — and we work on the rebuild instead.

Late payments & collections
Charge-offs & medical bills
Repossessions & evictions
Hard inquiries & student loans
Foreclosures & bankruptcies
Child support entries
Going through a credit report with a client at Loyalty Pro Services in San Juan, TX
Preparing credit bureau dispute paperwork at the San Juan, Texas office

The Process

Credit Restoration

Disputes go to the bureaus in writing, and the bureaus have a window to respond. Some items come off. Some come back with documentation. Some do not move at all.

You hear about all three from us. Anyone who tells you every item is coming off is selling you something — what we do is work the process properly and keep you informed while it runs.

Written disputes filed
All three bureaus
Updates as they land
No inflated promises

After the Cleanup

Credit Building

Taking bad items off is half the job. If nothing positive is going on the report, the score has nothing to climb on.

We go over what actually moves a score — paying on time, keeping balances well under the limit, and adding history the right way. No products you do not need, no advice you cannot follow.

Talk to us about your report
Reviewing credit building steps with a Rio Grande Valley client in San Juan, TX

What to Expect

Results in as Little as 30–45 Days

That is the window a lot of our clients see movement in, and credit repair starts at $99. What happens in your case depends on what is actually on your report and how the bureaus respond.

Results may vary. We do not promise specific score increases or that any particular item will be removed.

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What to Bring With You

None of this is a hard requirement. Come in with what you have and we will work from there.

Photo ID

A valid, current photo ID. We cannot start a dispute file without confirming who you are.

Your Credit Report

A recent copy if you have one. If you do not, say so and we will sort it out at the first visit.

Letters You've Received

Collection notices, statements, anything that has arrived in the mail about a debt.

Proof of Address

A utility bill or similar. Bureaus often ask for it when a dispute is filed.

Good to Know

Credit Repair Questions

What kinds of items can you dispute on my credit report?
We work on late payments, collections, charge-offs, medical bills, repossessions, evictions, foreclosures, student loans, child support entries, bankruptcies and hard inquiries. Bring a copy of your report if you have one, or come in and we will start by pulling up where you actually stand.
How long does credit repair take?
Many people see movement in as little as 30 to 45 days. Results may vary — it depends on what is on your report, how many items there are, and how the bureaus respond. We will not promise you a number or a date.
How much does credit repair cost?
Credit repair starts at $99. What your situation costs beyond that depends on what we find on your report, so we go over it with you before anything begins. No surprises after the fact.
Can you remove something from my report that is accurate?
No, and be careful with anyone who says otherwise. The dispute process targets items that are inaccurate, incomplete, outdated or unverifiable. Where an item is accurate and current, the honest answer is to work on rebuilding around it — which we will also help you do.
Do I need to bring my credit report with me?
It helps, but it is not required. Bring a photo ID and whatever paperwork you have — collection letters, statements, anything you have received in the mail. If you do not have a report, we will sort that out at the first visit.
Will you help me build credit, not just clean it up?
Yes. Removing items is only half of it. We will walk you through what actually moves a score over time — payment timing, balances relative to limits, and how to add positive history without getting talked into products you do not need.
Do I have to come to the office, or can we do this remotely?
Both work. Our office at 200 W Expressway 83, Suite D is open Monday through Saturday, 9:00 AM to 5:00 PM, and walk-ins are welcome. Plenty of clients from Alamo, McAllen, Edinburg and Mission handle the back-and-forth by phone or WhatsApp instead.

While You're Here

Three other things we handle at the same office, often in the same visit.

Income Tax Preparation

Personal and business returns filed by e-file, with refund advance options in person.

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Insurance

Talk through what you have and what you need, and let us help you find the right coverage.

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Certified Notary Public

Affidavits, bills of sale, wills, trusts and court documents — notarized while you wait.

Learn more

Find Out What's
Actually on Your Report.

Walk into 200 W Expressway 83, Suite D any day Monday through Saturday, 9 to 5. If you would rather set a time first, call or send a WhatsApp message.

Call (956) 377-2061 Message on WhatsApp
Walk-ins welcome · Mon–Sat, 9–5 · All three bureaus · Results may vary