Credit repair · Fort Worth & all of DFW
Break the chains
of debt.
Luis Hernandez and the Fort Worth crew that fights the credit bureaus by the rulebook.
- ◆Free first call.
- ◆Most plans run about six months. Five days to change your mind.
- ◆You get the price before you commit.
- ◆Phone or video. You never drive anywhere.
Results vary. We won’t promise you a number.
If you book
- 1
You pick a time
No card, no commitment.
- 2
We read your report together
In plain English.
- 3
You get a plan and a price
Then you decide.
Money, up front
Starting costs you nothing. Here is the whole picture.
The consultation is free
If we cannot help, we say so and you owe nothing.
A sign-up and credit analysis fee
Charged once, at signing. You get the figure on the free call, before you commit.
One outside cost
Report access from IdentityIQ. Paid to them, cancelled with them, never to us.
The term, and how you get out of it.
- ◆The agreement runs six months. That is the average file. Some are done in three. Some run eight or more, because bureaus generally get 30 to 45 days to answer a single dispute and a real file takes several rounds. We tell you where yours is going as we go.
- ◆Federal law: three business days. Under the Credit Repair Organizations Act you may cancel a signed credit repair contract for any reason within three business days of signing, with no penalty and no fee.
- ◆Our policy: five days, full refund. On top of that federal right, not instead of it.
- ◆After five days. Any refund depends on the work already performed on your file.
Full terms and your federal rights: Disclosures & CROA Rights.
If we remove nothing, you get your money back.
Written into the agreement you sign. If we cannot get a single incorrect or obsolete item off your reports by the end of the six-month term, you get a full refund, less the initial sign-up and credit analysis fee.
What it asks of you
- ◆Stay current. No outstanding balance and no missed installment payment.
- ◆Keep monitoring active for the whole six months. It is how we see what changed.
- ◆Send us the final reports from all three bureaus at the end of the term.
Miss one of those three and the guarantee does not apply. It is a guarantee that we do the work, not a guarantee of a number — no one can promise you a score, and results depend on things outside anyone's control, including what the bureaus can verify. Scores move up and down while disputes are open.
No posted price, because no two files are the same work. You get your number on the free call, in writing. Nothing appears later that is not on this list. Book the free call →
Where we work
You never drive anywhere.
Fort Worth crew, whole Metroplex, all of it by phone or video.
- Tarrant County
- Fort Worth · Arlington · Mansfield · Grapevine · Southlake · Keller · North Richland Hills · Hurst · Euless · Bedford · Grand Prairie · Crowley · Benbrook · Saginaw · Haslet · Watauga · Azle
- Dallas County
- Dallas · Irving · Garland · Mesquite · Duncanville · DeSoto · Cedar Hill
- Denton & Collin Counties
- Denton · Lewisville · Flower Mound · Frisco · Plano · McKinney · Little Elm
- Johnson, Parker & Ellis Counties
- Burleson · Cleburne · Alvarado · Weatherford · Aledo · Waxahachie · Midlothian
Not listed? If it is North Texas, ask on the free call. This is the coverage we advertise, not a fence.
Find yourself · free guide on each
Here is where people get stuck. Find yours.
Not on this list? Say so on the free call →
The plan · four stages
A captain never sails alone.
Chart the map
Free consultation. Where you stand, where you want to be.
Find the weak links
All three reports, combed for inaccurate, outdated and unverifiable items.
Fight by the rules
Disputes filed under the Fair Credit Reporting Act.
Set sail free
A stronger profile, and help lining up the next move.
All three bureaus, every plan. Experian, Equifax, TransUnion. Tracked from your client portal.
Before you book
What actually happens on your free call.
What we do
- • What you are trying to qualify for, and by when.
- • Your report, read together in plain English.
- • Which items look challengeable, and which do not.
- • A price, if there is work to do.
- • Whether you are better off doing it yourself.
What we do not do
- • No high-pressure close.
- • No promised score number.
- • No card details, and nothing charged.
- • No social security number over chat or email, ever.
One step. That is the whole ask.
Tell us where you stand. The call is free.
Never send a social security number here, or in any email or chat.
Know when you’re free?
Pick your own 30-minute slot on the calendar instead. Opens in a new tab. Same free consultation, same crew.
Pick a time on the calendar →Booking a consultation does not sign you up for anything and does not obligate you to purchase any service.
The founder
The man whose name is on this.
Luis Hernandez, Fort Worth. His name is on this, and he is who you will be talking to.
“Freedom is not given to you. You claim it.”
Read why Luis picked this fight →Questions before the voyage
No. And be careful with anyone who does, because the law says credit repair companies can’t guarantee results. What we can do is find the items on your report that look inaccurate, outdated, or unverifiable and dispute them the right way. Results vary from person to person.
Yes. You have every right to dispute your own report for free by going straight to the bureaus. People hire us for the strategy, the follow-through, and the time we save them. Not because it can’t be done alone.
Credit bureaus generally have 30 days to investigate a dispute, and up to 45 days when you send additional information during that investigation. Real change usually unfolds over months, not days. Anyone promising an overnight fix is selling you smoke.
Our service agreement runs six months, which is what an average file takes. Some files are finished in about three months. Others run eight months or longer, because the bureaus generally get 30 to 45 days to answer a single dispute and most files need several rounds. Separately, federal law under CROA gives you the right to cancel a signed credit repair contract for any reason within three business days of signing it, and nothing we do can shorten or waive that right. On top of that federal right, we give you a five-day window to cancel for a full refund. After those five days, any refund depends on the services already performed.
We review your situation on a free consultation first, then quote a fair, transparent plan. You’ll always know what you’re paying for before you commit. No surprise fees.
Yes. Once your profile is stronger, we walk you through business credit and funding options and connect you with programs. The lenders decide approval and terms. Not us.
Know your federal rights before you hire anybody, us included. Read your CROA rights →
That is everything. The call is still free.
Pick my time →Once the chains are off
Fund the business, not just the fix.
We are not a lender and we are not a bank. Every dollar comes from a third-party lender. They decide approval, amounts, rates, and terms. Not us. Anyone who tells you different is selling you something.
Once we start working together
We cannot dispute what we cannot see.
Dispute work needs live access to all three reports. That comes from IdentityIQ (SecureMax 3-bureau credit reports and scores). Not required to book.
IdentityIQ is an independent third-party credit monitoring service. You pay IdentityIQ directly for their service, not Texas Credit Outlaw, and you can cancel it with them. Texas Credit Outlaw may receive a referral fee. This is a monitoring subscription, not a fee for credit repair.
The rulebook