Downtown Austin skyline across Lady Bird Lake under a blue sky
📍 Lady Bird Lake · Austin
Photo: Michael Barera, CC BY-SA 4.0, via Wikimedia Commons

Credit Repair & Credit Score HelpCredit Repair in Austin, TX

Why is the score in your app different from the one your lender sees? Learn how credit scores work, which ones lenders use, and how to fix what’s inaccurate.

  • Free review of all three credit reports, with no obligation
  • Plain-English explanation of your scores
  • Work with us by phone or online, no office visit needed
Schedule a Consultationor call (844) 620-8796
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Takes about 30 seconds. Checking your credit with us will not lower your score.

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What happens after you submit

Four steps from first call to a clear plan

We call you

A specialist reaches out within 1 business day to learn your goals and timeline.

We review all 3 reports

We look for errors, outdated accounts, duplicate collections and anything that can’t be verified.

You get a written plan

What to dispute, what to pay down, what to leave alone, and the order to do it in.

You decide

Enroll, or take the plan and do it yourself. Either way, there’s no cost for the analysis.

Our services

Credit help for Austin residents

Credit Analysis

A line-by-line review of your Equifax, Experian and TransUnion reports and a personal action plan.

About credit analysis →

Credit Repair & Restoration

We dispute inaccurate, outdated or unverifiable collections, charge-offs and late payments, and send you progress updates.

About credit repair →

Credit Building

Add positive history with tools such as secured cards, plus guidance on balances and on-time payments.

Credit building options →
🏠Why your scores differGet loan-ready in Austin 🎖️Military Financial Readiness Program™Active duty, veterans, Guard & families 📋Packages & pricingBasic, Expedited, Premier
Travis County credit snapshot

Travis County’s collections rate is close to the national average

According to the Urban Institute (credit data from August 2026), 25% of Travis County residents have debt in collections, close to the 24% national rate, and credit card delinquency is below average.

25%
have debt in collections
U.S. average: 24%
$2,615
median amount in collections
U.S. median: $2,913
5%
delinquent on credit cards
U.S. average: 6%
15%
student loan delinquency rate
U.S. average: 16%

Source: Urban Institute, Debt in America: An Interactive Map, updated Nov. 10, 2026 (credit data from August 2026). Shares are of people with a credit record. Red marker = U.S. average.

What this means for you

When home prices are high, small score differences can mean big differences in your rate and payment. It pays to know which score your lender will use, and to make sure every report is accurate.

  • Check all three reports. Each bureau can have different information.
  • Don’t rely on one app. The score you see may not be the one a lender uses.
  • You can dispute for free. We handle the paperwork and follow-up for you.

Confused by your credit scores?

We’ll review all three reports and explain what’s driving your scores.

Get My Free Credit Analysis

Why your scores differ

Buying in Austin? Know which credit score your lender sees.

You don’t have one credit score. You have many, and they can differ by dozens of points depending on the model, version and bureau.

Four reasons your scores differ

1. Different models

FICO and VantageScore use different formulas. Many free apps show a VantageScore.

2. Different versions

Lenders may use older or industry-specific versions. Mortgage lenders often use different versions than the ones in free apps.

3. Different bureaus

Equifax, Experian and TransUnion don’t always have the same accounts, so the same model can give three different scores.

4. Different timing

Scores change as balances update. A score from last month may not reflect a payment you just made.

Thinking about buying? Austin home values are nearly double the Texas median. The Texas Department of Housing and Community Affairs (TDHCA) and the Texas State Affordable Housing Corporation (TSAHC) offer homebuyer loan programs and down payment assistance for eligible buyers through participating lenders.

Get a free credit score review.

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BasicsDecode your credit reportUtilizationEverything about credit utilizationStep by stepHow credit affects homebuying approvalErrorsSomeone else’s accounts on your report?
Credit help for Austin

Credit help that fits life in Austin

Masters Credit Consultants works with Austin-area clients by phone, email and a secure online portal, so you never need to visit an office or take time off work.

Downtown Austin skyline across Lady Bird Lake under a blue sky
Lady Bird LakeLady Bird Lake runs through the heart of Austin, circled by a 10-mile hike-and-bike trail with views of the downtown skyline.Photo: Michael Barera, CC BY-SA 4.0, via Wikimedia Commons

First-time buyers

We’ll help you understand your scores and get your reports ready before you apply.

Tech & startup workers

Changing jobs or working on contract? We’ll help you keep your reports accurate.

Musicians & creatives

Irregular income can make bills hard to time. We’ll help you build a plan.

Students & grads

From UT Austin and St. Edward’s to Huston-Tillotson and ACC, many clients are building credit for the first time.

Veterans

Austin is home to more than 30,000 veterans (Census ACS). Our Military Financial Readiness Program™ can help.

Renters ready to buy

Most of the work happens before you apply. We’ll show you what to fix first.

Austin credit repair FAQ

Common questions

Why is my credit score different on different apps?
Apps may use different scoring models, versions or bureaus, and update at different times. Differences of dozens of points are common.
Which credit score do mortgage lenders use?
Mortgage lenders often use specific score versions that can differ from the ones in free apps, and they usually look at scores from more than one bureau.
Why do my three credit reports show different information?
Not every lender reports to all three bureaus, and updates happen at different times. Errors can also appear on just one report.
Will checking my credit hurt my score?
No. Reviewing your own credit is a soft inquiry and doesn’t affect your scores.
How long does credit repair take?
The bureaus generally have 30 days to investigate a dispute (up to 45 in some cases). Timelines depend on how many items are involved and how creditors respond. Results vary, and no one can legally guarantee a specific score or deletion.
How much does it cost?
The credit analysis is free. If you choose to enroll, you can compare our packages. Under the federal Credit Repair Organizations Act, we can’t charge for services before they’re performed, and you can cancel within three business days of signing.

Serving Austin and Central Texas

We work with clients throughout the region, including:

Round RockPflugervilleCedar ParkGeorgetownLeanderKyleBudaManorSan MarcosDel Valle

Ready to see what’s on your credit report?

Get a free, no-obligation credit analysis. We’ll explain what we find in plain English.

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✓ No obligation✓ Won’t affect your score✓ 90-day guarantee (terms)✓ Confidential✓ Founded in 2014
Masters Credit Consultants, LLC, founded in 2014, is a credit services organization, not a law firm, lender or credit bureau. Results vary and are not guaranteed. You have the right to dispute inaccurate information in your credit report yourself, free of charge, by contacting the credit bureaus directly. Local statistics are county, city or state averages from the sources cited and don’t describe any individual’s credit.
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