West Texas Credit Advisors (formerly Credit Develoment Solutions) exists for one purpose – to help people change their lives through improved credit, better financial habits, and freedom from debt. We are the only professional credit repair company in the El Paso area that charges based on actual results, not promises or hope. We take pride in getting these results and utilizing the best, most comprehensive credit repair strategies for our clients.
Who we are
WTCA was originally formed in 2010 as Credit Development Solutions. Even though the name has changed our purpose has always stayed the same – help people fix their credit problems and raise their credit scores legally, ethically and in an affordable manner. It is easy to find credit repair companies that will take your money up front and simply fire off a few template dispute letters. But not only is it against the law in credit repair to take money before services are rendered, this business model is also an ineffective approach.
West Texas Credit Advisors is different. We are different because of the range and effectiveness of the services provided for our clients and also because we charge after getting results. WTCA employs a comprehensive approach addressing all aspects of your financial life connected to credit, thus giving our clients the best chance for success with both their credit profile and finances in general. We also provide ongoing education and quality customer service to make the credit repair process smooth and efficient for our clients.
And the best part? Clients pay only when we remove or fix items on their credit report. After our initial consultation fee, if we don’t delete or fix accounts you don’t pay. Period.
Why we are here
Our company was created to address a specific need in our area: provide professional, top-of-the line credit repair services with a real emphasis on results. How do we do this?
First, West Texas Credit Advisors is the only pay-for-delete credit repair company in our region.
This means we do not charge huge set fees or monthly payments (both of which must be paid whether the process is successful or not); instead of these dubious models our clients only pay when we successfully remove negative items from their credit reports. This approach has considerable advantages – it gives us the incentive to work hard and fast for our clients while they have the comfort of knowing they will only pay for what gets done.
Second, our approach does more than just dispute negative items on the credit report.
Removing inaccurate, incomplete, out of date, and unverifiable items from the credit report is extremely important, but true credit repair involves much more. Credit scores depend on a variety of factors, including the type and number of negative accounts, what positive accounts are open and active, how old the credit history is, the balances being carried on the different types of accounts, etc. The most effective credit repair strategies will address each area appropriately and thoroughly. And since everyone’s situation is different this means the strategy employed must be tailored to the individual client – a one-size-fits-all approach won’t work!
WTCA’s unique approach aims to help lay a strong financial foundation for our clients and their families. We are not looking for a temporary credit score boost but real, lasting change. We do not want repeat clients!
Put simply, we help:
- Build - we guide you to having the correct types of accounts open and manage them well.
- Fix - our effective and efficient disputing processes help eliminate or fix inaccurate, out of date, incomplete and unverifiable information on your credit report.
- Educate - we show you how the credit system really works and give you the right tools for successful, ongoing credit management.
Additionally, our ’5 Steps to Credit Success’ program (provided for each client) addresses the best and cheapest ways to budget, automate bill pay, and create debt pay-off plans. Then, perhaps most importantly, our programs guide you on how to convert better credit into saved money…this is what it’s all about!
Are we successful?
We charge based on the negative items we successfully remove or fix on our clients’ credit reports. To this end we employ the most up-to-date and advanced tactics available to dispute unverifiable, inaccurate, out of date, or incomplete accounts. Credit repair is both an art and a science, that is why WTCA works hard to constantly refine and improve our methods. The results speak for themselves:
We Are Registered and Bonded in Texas
It is important to know who you are working with especially when it involves your most personal financial data. WTCA is registered and bonded in the state of Texas and we work hard to go above and beyond minimum legal compliance. Our goal is to put our clients’ interests first and be of service in any way we can.
You can read a full copy of our federal and state disclosures upon request. Bond information for all Credit Services Organizations can be found on the Texas Secretary of State website.