It is no surprise that many El Pasoans are credit challenged. According to WalletHub, El Paso came in at 2,032 of 2,570 U.S. cities ranked for their average credit score. (That score, being 646.29.) When it comes to homebuying, that credit score makes or breaks buyers. So, most then turn to seek help from credit repair specialists.
The news I have heard recently from prospective buyers saddens me. Just in the last two weeks, I have met 5 buyers who trusted their money with so-called credit repair experts, who then turned around and ran off, never to be heard from again. Now these El Pasoans are not only without the credit score they need to provide a home for their families, but without hundreds, if not thousands of dollars.
While you can attempt to fix your credit yourself, many don't either have the time or know who to call.
How to find a reputable credit repair specialist!
FACTS YOU NEED TO KNOW:
1. All credit repair specialists, called CSO's (credit service organizations) MUST register with the Texas Secretary of State's office.
2. All credit service organizations MUST be bonded with a surety company.
3. There are only 5 credit repair companies actually registered with the Texas Secretary of State in El Paso, and have active bond status.
Here are all of their names and contact information for your benefit! Once you get that credit score up (many buyers can get loans with scores as low as 580!), give me a call so we can start searching for your forever home!
| Name: Texas Consumer Credit & Financial Advisors, LLC |
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| Contact: | Edward Araujo | | Location: | 221 N. Kansas Street, Suite 700, El Paso, TX 79901 | | Phone Number: | (915) 201-2604
| | File Number: | 20140026 | | Status: | Renewal | | Expires: | 3/10/2016 | | Account Bond: | 10009468 | | Surety Company: | American Safety Casualty Insurance Company | |
| Name: CSEP, LLC dba Credit Services of El Paso |
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| Contact: | Rousana Fernandez | | Location: | 6416 Gateway East, El Paso, TX 79905 | | Phone Number: | (915) 595-1111 | | File Number: | 20120007 | | Status: | Renewal | | Expires: | 2/12/2016 | | Account Bond: | PB11511001355 | | Surety Company: | Philadelphia Indemnity Insurance Company | |
| Name: True Success, LLC d.b.a. True Credit Solutions |
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| Contact: | Roberto Gomez | | Location: | 6999 Montana Ste B, El Paso, TX 79925 | | Phone Number: | (915) 778-2300 | | File Number: | 20110016 | | Status: | Renewal | | Expires: | 2/6/2017 | | Account Bond: | 57BSBFX6794 | | Surety Company: | HARTFORD CASUALTY INS CO
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| Name: Gonzalez Consulting Group DBA Credit Boosters |
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| Contact: | Oscar Gonzalez | | Location: | 7505 Kingman Drive, El Paso, TX 79915 | | Phone Number: | (915) 449-6178 | | File Number: | 20150075 | | Status: | Initial Registration | | Expires: | 8/11/2016 | | Account Bond: | 100281993 | | Surety Company: | Texas Bonding Company | |
| Name: Premier Tax & Financial Services |
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| Contact: | Jesus Satarain | | Location: | 1613 N Zaragoza, Ste. 107 El Paso, TX 79936 | | Phone Number: | (915) 849-1997 | | File Number: | 20120110 | | Status: | Renewal | | Expires: | 12/17/2016 | | Account Bond: | 203204 | | Surety Company: | AMERICAN SAFETY CASUALTY INS CO | |
Greater El Paso Association of REALTORS® All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may
