Correct Inaccuracies

Correct Inaccuracies

We strive to identify the inaccuracies on your report, and have them corrected or removed. We work with you to create an action plan to correct the inaccurate information quickly.

Real-Time Updates

Real-Time Updates

Throughout the credit repair process, you will receive real-time updates when things are happening on your file. You also have 24/7 access to a secure client portal.

Plan Your Future

Plan Your Future

Your financial goals are our main priority here at Prosperity Credit Repair. We are dedicated to providing you support and guidance throughout the credit repair process.

Home Buying Support

When you're ready to begin the home-buying process, we're ready to help! ​ Prosperity Credit Repair is happy to provide you with support, education, and resources throughout your entire home buying experience.

Customized Services

Our credit repair services are customizable to your needs, not one credit situation is the same. At Prosperity Credit Repair, we work individually on every clients file in house to ensure we provide personalized services to EVERY client!

Our Risk-Free Guarantee

When we work on your credit, we expect results - and SO SHOULD YOU! If our team of professionals fails your expectations to remove or correct derogatory items on your report within the first 90 days, you are entitled to a full refund of your monthly payments. We are confident that your expectations will be met throughout every aspect of the credit repair process!

With a shaky credit history, you’ll probably avoid making new credit card or loan applications because you fear you’ll be turned down. Having an excellent credit score doesn’t guarantee approval – because lenders still consider other factors like your income and debt – but it does give you a very good chance of being approved. When you decide to apply for a credit card or loan, you can do it with confidence.
A good credit score gives you leverage to negotiate a lower interest rate on your credit card or a new loan. If you need more bargaining power, you can refer to great offers you’ve received from other companies based on your credit score. However, if you have a low credit score, creditors typically won’t budge on loan terms and you may not have the freedom to shop around.
The interest rate is one of the costs you pay for borrowing money and, often, the interest rate you get is directly tied to your credit score. If you have a good credit score, you’ll almost always qualify for the best interest rates and you’ll pay lower finance charges on credit card balances and loans. The less money you pay on interest, the more you have for everything else including repaying your balance.
They need to get your permission first, but it’s not uncommon for a potential employer to ask a job applicant for access to their credit history during the application process. This is especially true if you’re applying for a job that requires handling money or accessing sensitive financial information. Some red flags for employers include bankruptcies and late or missing payments, which can be signs you are irresponsible or untrustworthy. Employers may also worry that your financial troubles will keep you from meeting certain demands of the job. But if you’ve shown yourself to be a financially responsible individual, then employers are more likely to see you as trustworthy and dependable, which will increase your chances of being hired. Your credit rating often speaks to how responsible you are, so it’s not just about being able to get a new credit card, your credit rating affects some of the most important parts of your life.
While this benefit of having good credit may be surprising, it’s true: people with higher credit scores are more likely to be offered a lower rate on their car insurance. Insurance companies consider risk very carefully before they extend insurance to customers. Given this, some insurance companies take your credit score into account when determining the risk and price of your monthly payments. You can’t be denied coverage solely based on your credit history, but if you have poor credit you are more likely to be offered a very high monthly premium. Consumer Reports estimates that single drivers with just good credit pay $68 to $526 more per year and those with a poor credit score add about $1,300 to their premium, on average. Tip: If your credit drops after you snag a good deal on car insurance, the insurance company can raise your rates or even cancel your policy, so keep up your good credit habits. However, if you live in California, Hawaii or Massachusetts, consider yourself lucky: those are the only states that ban insurance companies from setting prices based on credit scores.
Landlords care just as much about your credit as a bank does. Just like a credit card lender, your future landlord will determine your trustworthiness by your credit history. It doesn’t matter if you make a great salary or have a stash of money in the bank. If you’ve got bad info on your credit history, especially a history of late or missing payments, that’s a sign you may not be the most reliable tenant. Even if you’re able to rent with poor credit history, you may be required to put down an extra deposit or get a co-signer, which is expensive and a hassle. By improving your credit score and showing your landlord that you take your personal finances seriously, your application is that much more likely to gain speedy approval. And in this competitive rental market, you’ll need every advantage you can get.
Many utility companies will pull your credit report before they take you on as a customer. If your credit and payment history has taken a beating, the utility company may require you to pay a deposit for your service, which can cost as much as $270. Considering most consumers also have to pay service connection fees and other charges, you could end up paying hundreds of dollars just to get your water running. Keeping your credit history clean shows the utility company you will be a reliable customer and in turn, the deposit fee will be waived. Tip: Utility workers aren’t perfect and sometimes they make mistakes reading your meter. Make sure you compare the meter reading on your utility bill to what is actually on your meter. If your meter is lower than the number that’s being reported on your bill, it’s possible you’re being overcharged.

The Prosperity Promise

When we work on your credit, we expect results - and SO SHOULD YOU! If our team of professionals fail your expectations to remove or correct derogatory items on your report within the first 90 days, You are entitled to a full refund of you monthly payments. We are confident that your expectations will be met throughout every aspect of the credit repair process!

Get In Touch

Prosperity Credit Repair is the preferred choice in Texas.

  • 325 N. St Paul St. Suite 3100 Dallas, Texas , 75201
  • (888) 302-4248


  • Monday............9:00 am - 6:00 pm

  • Tuesday............9:00 am - 6:00 pm

  • Wednesday.......9:00 am - 6:00 pm

  • Thursday..........9:00 am - 6:00 pm

  • Friday...............9:00 am - 6:00 pm

  • Saturday...............10:00 am - 4:00 pm

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