Texas Consumer Credit Services

Texas Consumer Credit Services We help you improve your credit so you can buy a house & save more - https://txcca.as.me/ First and foremost, we are consumer advocates.

Texas Consumer Credit Services is an officially licensed credit repair organization that was created on the foundation of helping individuals and families restore their credit and get back to enjoying the peace of mind that comes with financial security. We fight on consumers behalf to help them enforce their consumer rights. We empower consumers through education and coaching. We work with clients and creditors to improve credit profiles by challenging questionable, inaccurate, and or unverifiable data on consumer credit reports. Our Founder & President Edward Araujo has made it his personal life mission to help as many consumers as possible get their financial freedom back.

09/26/2026
What lenders notice beyond your scoreA credit score matters, but it is only one part of the picture.Lenders may also loo...
09/26/2026

What lenders notice beyond your score

A credit score matters, but it is only one part of the picture.

Lenders may also look at payment history, credit card balances, collections or charge-offs, recent activity, and the overall strength of the file.

That is why someone can have a decent score and still run into issues during the mortgage process.

The goal is not just to chase a number. It is to understand the full credit profile and make smarter decisions before applying.
Save this post if homeownership is one of your goals.

Thinking about buying a home in the next 90 days? Start before the application.A stronger mortgage file usually comes fr...
09/24/2026

Thinking about buying a home in the next 90 days? Start before the application.

A stronger mortgage file usually comes from preparation, not last-minute scrambling.

Over the next 90 days, focus on the things that can make the biggest difference:
* Review all 3 credit reports
* Identify late payments, collections, charge-offs, and inaccuracies
* Lower high credit card balances
* Avoid unnecessary new credit
* Document any disputes carefully
* Keep every current account paid on time
* Talk with your lender before making major credit moves
* Review your progress before you apply

Your credit score matters, but lenders also look at the full credit profile.

The goal is not to chase a number. The goal is to build a cleaner, stronger, more mortgage-ready file.

Save this checklist if homeownership is one of your goals.

If you want help reviewing your credit and building a personalized plan, DM us the word READY.

09/22/2026

09/07/2026

Address

10105 Montwood Drive
El Paso, TX
79925

Opening Hours

Monday 10am - 7pm
Tuesday 10am - 7pm
Wednesday 10am - 7pm
Thursday 10am - 7pm
Friday 10am - 7pm

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