Select Page

McAllen

2105 N 10th St STE B
McAllen, TX 78501

956-358-4253

Brownsville

1273 Alton Gloor Blvd
STE E
Brownsville, TX 78526

956-551-4492

Frequently Asked Questions

Everything you might need to know!

What is credit repair?

Consumers have a right to ensure that their credit reports are 100% accurate, and it is 100% legal to dispute items on your credit report. The Federal Trade Commission which was established in 1914 has laws in place to protect the consumer and prevent competitive and unfair practices of businesses. Zap Credit Solutions, LLC  is certified & bonded. If you have been impacted by fraud, identity theft, or have questionable items on your credit reports, Zap Credit Solutions is here to help advocate for you on your behalf within your rights of the FCRA. If an account is verifiable or accurate it is the consumer’s responsibility to pay the creditor. The Fair Credit Reporting Acts & Practices are available at FTC.gov.

How long does credit repair take?

The initial process takes 30-45 days to complete the initial investigation. Zap Credit Solutions, LLC does not guarantee specific  scores or specific outcomes. The credit bureaus (Experian, Equifax, & Transunion) make the final decision on whether an account is deleted. If an account is not deleted within the first 30-45 days we keep working on those items for the duration of the six month contract. During the six month contract with Zap Credit Solutions clients will be counseled on how to establish and build good credit.

Is there any guarantee?
No. By law, Credit Repair Companies are not allowed to guarantee services in the state of Texas. If a credit repair company guarantees, be careful. They most likely are not registered with the state and could be a scam! Even though we cannot guarantee, we have more than 30 years of experience and have helped thousands of customers like yourself. We are the best at what we do. You will have a team of credit experts on your side! We are very transparent with our services and do not lie to our clients.
Will my credit score improve?

The majority of Zap Credit Solutions’ clients see changes in their credit score as a result of services. Credit Scores are determined by many factors, including but not limited to:  payment history, length of activity, time, age, age of accounts and amount owed. Various calculations are used to provide either a Vantage Score or FICO Score.

Why Zap Credit Solutions, LLC?
Zap Credit Solutions, LLC has over 30 years of experience, We have helped thousands of clients repair their credit reports and help guide them to establish good credit in order for them to purchase homes, vehicles, credit cards and more! We have had many clients from other companies who were not able to repair their credit and wasted their money, after coming with Zap Credit Solutions we made their dreams possible when others couldn’t. With our experience and knowledge, you will have the best team of credit experts to work diligently on our clients’ reports.
How can I get started?
We offer a FREE consultation to come in so we can review your credit report in order to see if we can help you. Zap Credit Solutions, LLC will not take you on as a client if we see that we are not able to help you with our credit repair program.