Richardson, TX

Credit Repair & Financial Services in Richardson

Review 9 credit repair companies, personal lenders, and financial services in Richardson, Texas. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

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

Featured Provider Profiles in Richardson

9 companies
DebtBlue logo

DebtBlue

DebtBlue is a Richardson, TX-based debt settlement company founded in 2017 with BBB A+ accreditation. 4.8 Google rating from nearly 5,000 reviews. Specializes in credit card, medical, and personal loan debt negotiation.

4.8/5

Google rating from 4,990 reviews

BBB: A+

Profile signals: Consumers with $10,000+ in unsecured debt who want a BBB A+-rated debt settlement provider, Those seeking a Texas-based debt relief company with strong customer service reviews

Lenders Choice Credit Solutions logo

Lenders Choice Credit Solutions

Dallas-area credit repair company that audits credit files and files customized dispute letters with all three bureaus, creditors, and collection agencies on a pay-per-deletion model.

4.8/5

Google rating from 133 reviews

BBB: NR

Profile signals: Dallas-area consumers with multiple derogatory accounts (collections, charge-offs, late payments) who want to pay only for verified removals, Individuals or couples preparing for a mortgage, auto loan, or major credit application in the near term

ACE Cash Express logo

ACE Cash Express

Richardson, TX's ACE Cash Express at 105 S Central Expy offers payday loans and title loans with same-day service claims to verify.

BBB: NR

Profile signals: Unbanked and underbanked consumers who are researching short-term cash access without a bank account, People requiring check cashing services and bill payment options at physical locations

ACE Cash Express logo

ACE Cash Express

Richardson, TX's ACE Cash Express at 1332 S Plano Rd provides convenient payday and title loans.

BBB: NR

Profile signals: Consumers researching emergency-cash options in $100-$1,000 range with listed funding timing, Vehicle owners who may need title-secured loans or installment loan products

Loanstar Title Loans logo

Loanstar Title Loans

Richardson, TX's Loanstar Title Loans at 1340 E Belt Line Rd offers title-loan profile details and payday loans for short-term cash needs.

BBB: NR

Profile signals: Vehicle owners facing emergency cash needs who can repay within a short timeframe, Borrowers with poor credit who may not meet traditional personal-loan criteria

Pavillion Bank logo

Pavillion Bank

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BBB: NR

Profile signals: Local banking with personal service, Review this provider profile and compare source-linked details before choosing what to do next.

Emergency Cash in Richardson

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ACE Cash Express logo

ACE Cash Express

Richardson, TX's ACE Cash Express at 105 S Central Expy offers payday loans and title loans with same-day service claims to verify.

BBB: NR

Profile signals: Unbanked and underbanked consumers who are researching short-term cash access without a bank account, People requiring check cashing services and bill payment options at physical locations

ACE Cash Express logo

ACE Cash Express

Richardson, TX's ACE Cash Express at 1332 S Plano Rd provides convenient payday and title loans.

BBB: NR

Profile signals: Consumers researching emergency-cash options in $100-$1,000 range with listed funding timing, Vehicle owners who may need title-secured loans or installment loan products

Loanstar Title Loans logo

Loanstar Title Loans

Richardson, TX's Loanstar Title Loans at 1340 E Belt Line Rd offers title-loan profile details and payday loans for short-term cash needs.

BBB: NR

Profile signals: Vehicle owners facing emergency cash needs who can repay within a short timeframe, Borrowers with poor credit who may not meet traditional personal-loan criteria

TitleMax Title Loans logo

TitleMax Title Loans

Richardson, TX's TitleMax Title Loans at 1328 E Belt Line Rd offers quick title and payday loans with provider-stated funding timing.

BBB: NR

Profile signals: Borrowers with poor or no credit who own their vehicle free and clear, Consumers needing same-day cash for a genuine short-term emergency with a definite repayment plan

TitleMax Title Loans logo

TitleMax Title Loans

Richardson, TX's TitleMax Title Loans at 777 S Central Expy offers title-loan profile details with provider-stated same-day approval timing and eligibility claims to verify.

BBB: NR

Profile signals: Vehicle owners researching emergency-cash options within 24 hours who have stable repayment ability, Consumers with damaged credit who may not meet traditional bank-loan criteria

VIP Title Loans logo

VIP Title Loans

Locally owned auto title lender with 6 DFW-area locations offering car and motorcycle title loans to Texas residents with poor credit researching short-term cash access.

BBB: NR

Profile signals: DFW-area residents with poor or no credit who are researching short-term cash access and own a vehicle outright or nearly outright, Borrowers currently trapped in a high-rate title loan with another lender seeking a buyout refinance

Debt Relief in Richardson

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DebtBlue logo

DebtBlue

DebtBlue is a Richardson, TX-based debt settlement company founded in 2017 with BBB A+ accreditation. 4.8 Google rating from nearly 5,000 reviews. Specializes in credit card, medical, and personal loan debt negotiation.

4.8/5

Google rating from 4,990 reviews

BBB: A+

Profile signals: Consumers with $10,000+ in unsecured debt who want a BBB A+-rated debt settlement provider, Those seeking a Texas-based debt relief company with strong customer service reviews

Credit Repair in Richardson

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Lenders Choice Credit Solutions logo

Lenders Choice Credit Solutions

Dallas-area credit repair company that audits credit files and files customized dispute letters with all three bureaus, creditors, and collection agencies on a pay-per-deletion model.

4.8/5

Google rating from 133 reviews

BBB: NR

Profile signals: Dallas-area consumers with multiple derogatory accounts (collections, charge-offs, late payments) who want to pay only for verified removals, Individuals or couples preparing for a mortgage, auto loan, or major credit application in the near term

Banks in Richardson

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Pavillion Bank logo

Pavillion Bank

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: Local banking with personal service, Review this provider profile and compare source-linked details before choosing what to do next.

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.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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