Top-Rated Credit Repair • Frisco, TX

Credit Repair Services Frisco TX | Remove Negative Items Fast

Expert credit repair specialist in Frisco, Texas. Remove late payments, collections, charge-offs & more. 95% success rate. Free consultation. TSR & CROA compliant.

10,000+ Negative Items Removed
95% Success Rate
120+ Avg. Point Increase
Rick Jefferson, Credit Repair Expert
10 Years Experience

Meet Rick Jefferson

With 10 years of proven experience in credit repair and financial services, Rick Jefferson has helped thousands of clients remove negative items, dispute inaccuracies, and achieve their credit goals.

Located in Frisco, Texas, Rick Jefferson Solutions provides comprehensive credit repair services with a proven track record of success. Our TSR and CROA compliant approach ensures you receive honest, transparent service backed by our 90-day money-back guarantee.

  • ✓ Licensed & Bonded Credit Specialist
  • ✓ TSR & CROA Compliance Expert
  • ✓ 10,000+ Negative Items Removed
  • ✓ Serving Frisco, TX & Nationwide
Schedule Consultation
Our Proven Process

How Credit Repair Works

Our proven 4-step process to rebuild your credit

1

Credit Analysis

We pull your credit reports from all three bureaus and identify items that can be disputed under FCRA.

2

Strategic Disputes

We submit professional disputes to credit bureaus and creditors using proven strategies and legal regulations.

3

Follow-Up & Escalation

We track responses, follow up on incomplete investigations, and escalate to direct creditor disputes when needed.

4

Results & Building

As negative items are removed, we help you build positive credit history to maximize your score increase.

Our Credit Repair Services

Comprehensive solutions for every credit challenge

🗑️

Negative Item Removal

Remove late payments, collections, charge-offs, bankruptcies, and other negative marks from your credit report.

Learn More →
📋

Credit Disputes

Professional dispute letters to bureaus, creditors, and collection agencies using FCRA regulations.

Learn More →
🛡️

Identity Theft Recovery

Complete identity theft resolution including fraud alerts, credit freezes, and fraudulent account removal.

Learn More →
📚

Credit Education

One-on-one coaching and educational resources to help you understand and maintain good credit.

Learn More →
📈

Credit Building

Secured cards, credit builder loans, authorized user accounts, and tradeline strategies to boost your score.

Learn More →
🏠

Mortgage Ready Program

Specialized program to prepare your credit for mortgage approval and maximize your interest rate savings.

Learn More →
⭐ 4.9/5 FROM 127+ VERIFIED REVIEWS

Real Results from Real Clients

See how we've helped 1,000+ clients transform their credit and achieve their financial goals

SM
Sarah Martinez
Dallas, TX • 3 Months
★★★★★
540
Before
680
After
+140
Points

"Rick removed 12 negative items from my credit report in just 3 months. I went from being denied for credit cards to being approved for a car loan at 4.9% APR! His team was professional, responsive, and delivered exactly what they promised. Best investment I've made in my financial future!"

✓ 12 Negative Items Removed • ✓ Auto Loan Approved
JL
Jennifer Lopez
Plano, TX • 4 Months
★★★★★
590
Before
720
After
+130
Points

"The Mortgage Ready Program changed my life! In just 4 months, Rick's team took my score from 590 to 720. I qualified for an FHA loan with 3.5% down and just closed on my first home. I never thought homeownership was possible, but Rick made it happen. Forever grateful!"

✓ FHA Loan Approved • ✓ First-Time Homeowner
MR
Michael Rodriguez
Frisco, TX • 5 Months
★★★★★
610
Before
742
After
+132
Points

"After identity theft destroyed my credit, Rick's team helped me recover completely. They disputed all fraudulent accounts, got 18 negative items removed, and educated me on credit protection. My score went from 610 to 742 in 5 months. I highly recommend their services!"

✓ Identity Theft Resolved • ✓ 18 Items Removed
DT
David Thompson
McKinney, TX • 3 Months
★★★★★
565
Before
698
After
+133
Points

"I was skeptical at first, but Rick proved me wrong! Late payments from medical bills were killing my score. His team disputed them successfully and got them removed. My credit card limit increased from $500 to $5,000. This service paid for itself 10 times over!"

✓ Late Payments Removed • ✓ Credit Limit Increased $4,500
AC
Amanda Chen
Allen, TX • 6 Months
★★★★★
480
Before
705
After
+225
Points

"After a divorce, my credit was destroyed with 23 negative items. Rick's Premium plan removed 21 of them in 6 months! My score jumped 225 points. I can finally refinance my car and got approved for a rewards credit card. Rick's team is incredible!"

✓ 21 of 23 Items Removed • ✓ 225 Point Increase
BW
Brandon Williams
The Colony, TX • 4 Months
★★★★★
598
Before
715
After
+117
Points

"Old charge-offs were preventing me from getting a business loan. Rick's team successfully disputed and removed 9 items. Four months later, I qualified for a $50,000 business line of credit and launched my construction company. Best ROI ever!"

✓ Business Credit Approved $50K • ✓ 9 Charge-Offs Removed
LG
Lisa Garcia
Prosper, TX • 5 Months
★★★★★
520
Before
692
After
+172
Points

"As a single mom, I needed better credit to rent a nicer apartment for my kids. Rick's team removed collections and late payments from student loans. My score jumped 172 points in 5 months. We moved into a beautiful 3-bedroom home. Thank you!"

✓ Collections Removed • ✓ New Home Approved
KP
Kevin Patel
Little Elm, TX • 3 Months
★★★★★
615
Before
728
After
+113
Points

"I'm an engineer and researched every credit repair company. Rick's transparent process and proven track record won me over. In 3 months, my score went from 615 to 728. I refinanced my student loans and saved $8,000. Data-driven results!"

✓ $8K Saved on Refinance • ✓ 113 Point Increase
TN
Tiffany Nguyen
Carrollton, TX • 4 Months
★★★★★
545
Before
702
After
+157
Points

"Bankruptcy 3 years ago left me with terrible credit. Rick explained the timeline and what could be disputed. He removed 14 items and my score rose 157 points! I just got approved for my first credit card post-bankruptcy. There's hope after financial hardship!"

✓ Post-Bankruptcy Recovery • ✓ 14 Items Removed
JB
James Brown
Denton, TX • 6 Months
★★★★★
495
Before
710
After
+215
Points

"My credit was ruined from a failed business. Rick's Premium plan removed 19 negative items over 6 months. My score went from 495 to 710—a 215-point increase! I secured a conventional mortgage at 5.5% and bought my dream home. Rick changed my family's future!"

✓ Conventional Mortgage Approved • ✓ 215 Point Increase
Start Your Credit Transformation Today
Affordable Plans for Every Budget

Simple, Transparent Pricing

No upfront fees. No hidden charges. Cancel anytime.

Basic

$99/month

Perfect for 1-5 negative items

Premium

$199/month

Ideal for 15+ items or mortgages

View Full Pricing
⭐ TRUSTED BY 1,000+ CLIENTS

Real Results from Real People

See what our clients say about their credit repair journey with Rick Jefferson Solutions

4.9/5
★★★★★
Based on 127 Reviews
95%
Success Rate
10K+
Items Removed
★★★★★

"Rick and his team removed 12 negative items from my credit report in just 4 months! My score went from 580 to 720. I was finally able to buy my first home in Frisco. Absolutely life-changing!"

SM
Sarah M.
First-Time Homebuyer | Frisco, TX
✓ Verified Client
Score Increase: +140 points
Items Removed: 12 negative items
★★★★★

"After identity theft destroyed my credit, Rick helped me recover completely. He removed all fraudulent accounts and my score is now higher than before the theft. Professional, responsive, and truly cares about his clients."

MR
Michael R.
Identity Theft Recovery | Plano, TX
✓ Verified Client
Score Increase: +165 points
Items Removed: 14 fraudulent accounts
★★★★★

"We refinanced our home thanks to Rick! Went from 640 to 735 in 5 months. Saved $420/month on our mortgage payment. That's $151,000 over the life of the loan. Best investment we ever made!"

JD
Jennifer & David L.
Mortgage Refinance | McKinney, TX
✓ Verified Clients
Combined Increase: +95 & +80 points
Savings: $420/month mortgage
★★★★★

"I was skeptical about credit repair, but Rick proved me wrong. He's honest, transparent, and delivers results. Removed 8 collections and 5 late payments. My score jumped 110 points in 3 months!"

TC
Tamara C.
Collection Removal | Allen, TX
✓ Verified Client
Score Increase: +110 points
Items Removed: 13 negative items
★★★★★

"Rick's Mortgage Ready Program is incredible! Started at 595, now at 715. Got pre-approved for my dream home in Frisco. His team kept me updated every step of the way. Highly recommend!"

KB
Kevin B.
Mortgage Ready Program | Frisco, TX
✓ Verified Client
Score Increase: +120 points
Result: Pre-approved for home
★★★★★

"Best credit repair company in Texas! Fast, effective, and affordable. Rick removed a bankruptcy from my report and increased my score by 95 points. Finally got approved for a business loan!"

RP
Robert P.
Business Owner | Dallas, TX
✓ Verified Client
Score Increase: +95 points
Result: Business loan approved
TSR Compliant
CROA Certified
BBB Accredited
🔒
Secure & Private
📅 SCHEDULE YOUR FREE CONSULTATION

Ready to Transform Your Credit?

Book your free credit analysis today and discover how we can help you achieve your financial goals

Or contact us directly:

(866) 752-4618 Email Us