Arlington, TX

Credit Repair & Financial Services in Arlington

Compare 5 credit repair companies, personal lenders, and financial services in Arlington, Texas. All independently reviewed with BBB ratings and pricing.

Texas avg credit score: 694 Median income: $73,035 Poverty rate: 13.4% Payday loans: Legal Texas overview →

Top Rated in Arlington

5 companies
Evolve Credit Repair-Dallas Texas Credit Repair logo

Evolve Credit Repair-Dallas Texas Credit Repair

Evolve Credit Repair is a Dallas-based credit repair company serving all 50 states that disputes errors on credit reports and helps consumers improve their credit scores through personalized strategies.

4.4/5
Free BBB: NR

Best for: First-time homebuyers with credit report errors preventing mortgage qualification, Consumers who believe they have inaccurate negative items on their credit reports and lack expertise to dispute independently

Optimum Credit Solutions - Fix Your Credit Scores Fast logo

Optimum Credit Solutions - Fix Your Credit Scores Fast

Unable to verify. Website returns 403 Forbidden error, preventing access to company information, services, or credentials.

4.4/5
Free BBB: NR

Best for: Consumers in Arlington, Texas looking for credit repair services, People who prefer working with a local credit repair provider

Worthington Bank logo

Worthington Bank

Texas-based community bank operating in Fort Worth, Arlington, Colleyville, and Denton since 2002, offering personal and commercial banking with relationship-focused service.

4.2/5
Contact BBB:

Best for: Small to mid-sized business owners in North Texas seeking personalized commercial banking and treasury management, Customers in Fort Worth, Arlington, Colleyville, or Denton who prioritize face-to-face relationships over digital-only banking

Hispanic Real Estate Brokers Association logo

Hispanic Real Estate Brokers Association

HREBA is a HUD-approved 501(c)(3) nonprofit offering free housing counseling, homebuyer workshops, and financial education to low- and moderate-income families in Arlington, TX.

4.1/5
Contact BBB: NR

Best for: First-time homebuyers from Hispanic/Latino communities seeking culturally relevant counseling, Low- to moderate-income families needing free homebuyer education and financial guidance

Credit.Org - Arlington, TX Branch logo

Credit.Org - Arlington, TX Branch

Non-profit credit and housing counselor offering free debt relief, credit building, and HUD-approved homeownership guidance since 1974.

4.0/5
Contact BBB: NR

Best for: First-time homebuyers seeking free pre-purchase counseling and down payment guidance, Homeowners facing foreclosure who need HUD-approved counseling and prevention strategies

Free Help in Arlington

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Hispanic Real Estate Brokers Association logo

Hispanic Real Estate Brokers Association

HREBA is a HUD-approved 501(c)(3) nonprofit offering free housing counseling, homebuyer workshops, and financial education to low- and moderate-income families in Arlington, TX.

4.1/5
Contact BBB: NR

Best for: First-time homebuyers from Hispanic/Latino communities seeking culturally relevant counseling, Low- to moderate-income families needing free homebuyer education and financial guidance

Credit.Org - Arlington, TX Branch logo

Credit.Org - Arlington, TX Branch

Non-profit credit and housing counselor offering free debt relief, credit building, and HUD-approved homeownership guidance since 1974.

4.0/5
Contact BBB: NR

Best for: First-time homebuyers seeking free pre-purchase counseling and down payment guidance, Homeowners facing foreclosure who need HUD-approved counseling and prevention strategies

Credit Repair in Arlington

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Evolve Credit Repair-Dallas Texas Credit Repair logo

Evolve Credit Repair-Dallas Texas Credit Repair

Evolve Credit Repair is a Dallas-based credit repair company serving all 50 states that disputes errors on credit reports and helps consumers improve their credit scores through personalized strategies.

4.4/5
Free BBB: NR

Best for: First-time homebuyers with credit report errors preventing mortgage qualification, Consumers who believe they have inaccurate negative items on their credit reports and lack expertise to dispute independently

Optimum Credit Solutions - Fix Your Credit Scores Fast logo

Optimum Credit Solutions - Fix Your Credit Scores Fast

Unable to verify. Website returns 403 Forbidden error, preventing access to company information, services, or credentials.

4.4/5
Free BBB: NR

Best for: Consumers in Arlington, Texas looking for credit repair services, People who prefer working with a local credit repair provider

Banks in Arlington

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Worthington Bank logo

Worthington Bank

Texas-based community bank operating in Fort Worth, Arlington, Colleyville, and Denton since 2002, offering personal and commercial banking with relationship-focused service.

4.2/5
Contact BBB:

Best for: Small to mid-sized business owners in North Texas seeking personalized commercial banking and treasury management, Customers in Fort Worth, Arlington, Colleyville, or Denton who prioritize face-to-face relationships over digital-only banking

Your Rights in Texas

Texas Consumer Protections: Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.

Interest Rate Cap: Texas usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses.

Key Regulations:
  • Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
  • No state cap on CAB fees; effective APRs frequently exceed 500%.
  • Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.
  • The Texas Finance Code regulates consumer lending but exempts CABs from rate caps.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Texas Attorney General Consumer Protection Division.

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