Bad credit can hold you back — whether you’re looking for a new home, a new car or trying to qualify for a credit card to manage your finances. Building or repairing your credit can seem impossible, but with the right tools and resources, you can begin to establish a good credit history and get back on track.
If you’re a resident of Texas, you have many resources available to help you through this journey. Here are a few options that may be available to you.
Credit Repair Companies
Credit repair companies offer to help consumers build their credit score fast. They often do this by attempting to get negative information removed from your credit report. These companies often charge hefty fees and there isn’t a guarantee that they will be able to help you repair your score. Additionally, credit repair companies can only help to improve your credit in ways that you (with the right knowledge) can do yourself. Be sure to do your research if you decide to use a credit repair agency’s services.
Best Texas Credit Pros
1751 River Run
Suite 200
Fort Worth, TX 76107
Texas Best Credit Repair Austin
305 N. Heatherwilde Boulevard
Suite 230
Pflugerville, TX 78660
Texas Best Credit Repair Dallas
6060 North Central Expressway
Suite 565
Dallas, TX 75206
Texas Best Credit Repair San Antonio
10010 San Pedro Avenue
Suite 565
San Antonio, TX 78216
Financial Literacy Organizations
There are many organizations all over Texas that offer financial literacy programs and other educational services. Many of these organizations offer online courses, making them accessible to those in more remote areas as well. Financial knowledge can give you the tools to budget, plan and manage your finances, which can help you rebuild your credit.
Money Management International
12603 Southwest Freeway
Suite 450
Stafford, TX 77477
This nonprofit offers financial education and counseling to those who are struggling with debt, housing and budgeting concerns. They offer their services in person, over the phone and online.
United for Alice Texas
106 E 6th Street
Suite 900-116
Austin, TX 78701
United for Alice is a part of the United Ways of Texas organization. They provide education and financial assistance to “Alice” families in their communities. “Alice” stands for Asset Limited, Income Constrained, Employed.
RAISE Texas
PO Box 303111
Austin, TX 78703
This is a coalition of nonprofits, financial institutions, universities, public agencies and financial coaches and counselors. They offer statewide support to help low and moderate income Texans build financial security.
Dallas Leadership Foundation
3101 Greenwood
Dallas, TX 75204
This organization offers a financial empowerment program that helps families with budgeting, debt reduction and building good credit.
Family Houston
PO Box 70068
Houston, TX 77270
This organization offers free financial coaching services to help families reach their financial goals.
The Women’s Resource of Greater Houston
13100 Northwest Freeway
Suite 130
Houston, TX 77040
This organization provides financial education, along with other programs, that help women and girls empower themselves through financial independence and stability.
Social Services
Texans can find many different programs that can help with everything from rent and utilities, to child care and nutrition. These programs can help you save money, which can help you repair your credit as you pay off debt.
United Ways of Texas
106 E 6th Street
Ste 900-116
Austin, TX 78701
This organization offers programs and assistance to families all over Texas. They are a coalition of different organizations all working to empower communities and take care of their most pressing needs.
2-1-1 Texas
2-1-1 Texas is run by the Texas Health and Human Services commission. It helps connect Texans with different services. You can call “2-1-1” on a phone or look on their online information center, to find help with housing, paying bills, finding food banks and much more.
Housing
Texas Department of Housing and Community Affairs
221 E 11th Street
Austin, TX 78701
Credit Coalition
3300 Lyons Avenue
Suite 203A
Houston, TX 77020
Food Banks
North Texas Food Bank
Perot Family Campus
3677 Mapleshade Lane
Plano, TX 75075
Central Texas Food Bank
6500 Metropolis Drive
Austin, TX 78744
Feeding Texas
PO Box 152245
Austin, TX 78715
Borrowing Options
Bad credit can make it difficult to borrow money — and in emergencies, getting the money you need fast can make a big difference. In Texas, borrowers with bad credit have options. You can find CAB installment loans tailored for borrowers with bad credit. You can find online loans available, whether you’re in Dallas, Houston, San Antonio or anywhere else in Texas.
Keep in mind that borrowing money means you’ll be taking on more debt. If you fail to make payments on time, it can further damage your credit score. Before you decide to borrow, research alternative options or consider borrowing from friends or family.
Please note: The named entities are not affiliates or agents of Neighborhood Trust We make no recommendations, warranties or representations about the information or services provided by any unaffiliated entity named herein. This content is for informational purposes only. Neighborhood Trust and its affiliates do not provide financial, legal, investment or tax advice.
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