Your low credit score is costing you thousands every year.
FRS Credit has helped families in Dallas, across Texas, and the entire Southwest region.
- Full credit analysis
- No payment for 5 days
- Money-back guarantee
5,000+
Clients helped
4.9 ★
Google rating
Est. 2013
One of these fits your situation
Not sure where to start? Pick the option that matches where you are today.
Full Service Credit Repair
We manage the entire repair process for you, start to finish.
Your credit score should not define your future
Every time you apply for a loan, rent an apartment, or finance a car, those three numbers follow you. And if they're low, the system penalizes you.
Your home loan
A low score costs you tens of thousands more over the life of a mortgage, or gets you denied outright.
Your car loan
Poor credit means higher rates, bigger payments, and fewer options when you need reliable transportation.
Your credit cards
You qualify only for high-fee, high-rate cards that make building positive history harder, not easier.
A better score is simpler than you think
Get your full analysis
We review your full credit report together. No obligation analysis. And no payment for 5 days. We identify exactly what is hurting your score.
We fight the bureaus for you
Your FRS expert challenges inaccurate, outdated, and unverifiable items across all three bureaus. You have 24/7 access to your file.
Watch your score climb
As items are removed, you qualify for better rates, get approved for loans, and start building the future you've been working toward.
How much is bad credit costing you?
Slide to your current score. Families with poor credit pay thousands in excess interest, fees, and insurance premiums every year they wait.
Your current credit score
580
350720+
$4,200
Estimated extra cost / year
$3,400
You could save / year
Real clients. Real score jumps.
From Texas to Arizona, families are buying homes and cars they were once told they couldn't.
Rated 5 out of 5
Credit score improved from 580 to 725 in 5 months.
"FRS Credit helped improve my credit score from 580 to 725 in just five months. The results were fantastic, and I’m very thankful for the work they did."
Heidi H
West Roxbury
Rated 5 out of 5
Both her and her husband’s credit increased by more than 100 points.
"After working with FRS Credit, both my husband’s credit and mine increased by more than 100 points. We were approved for our loan and are now on the path to homeownership."
Kelly R
Wylie,
Rated 5 out of 5
Credit score increased 85 points in 4 months.
"I was skeptical at first, but after working with FRS Credit, my score went up 85 points in four months. That improvement helped me qualify for a new home mortgage at a favorable interest rate."
Steven K
McKinney
Rated 5 out of 5
Credit score jumped 100 points in 2 months; after 4 months, all three bureaus were excellent.
"I was nervous about paying for credit repair, but after only two months my score jumped 100 points. Four months into the process, my credit scores with all three bureaus were excellent."
Wendy
McKinney
Walter
McKinney, TX
Sakinah
Dallas, TX
Stephanie
McKinney, TX
100% money-back guarantee
If we're unable to remove anything from your credit report or fail to increase your score, you get a full refund. No games. We only win when you win.
What people ask before getting started
Yes. You have the legal right under the Fair Credit Reporting Act to dispute any item on your credit report that is inaccurate, outdated, or unverifiable. FRS Credit simply exercises those rights on your behalf, professionally and persistently.
Every credit file is different, but most clients begin seeing changes within the first 30–60 days. Our average client sees an 80+ point increase as inaccurate items are challenged and removed across all three bureaus.
Your initial credit analysis is completely free, and there’s no payment due for your first 5 days. You can cancel within that window if it’s not the right fit. We’ll walk you through exact pricing for each path during your free consultation.
We back our work with a 100% money-back guarantee. If we’re unable to remove anything from your report or increase your score, you get a full refund. We only win when you win.
Many of our clients come to us after trying on their own. Our team has been doing this since 2013 and knows exactly how to challenge items the bureaus tend to ignore, with the persistence and documentation that gets results.