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Consumer Credit Advisors
&
Financial Freedom Educators
Imagine a future where your money decisions bring confidence and control—not Stress... We're here to help you reach that future,
one step at a time.
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Credit Health Consultants -, we’ve spent more than five years helping individuals overcome credit challenges, rebuild financial stability, and take back control of their financial lives. Our goal is simple. To guide you toward lasting credit health so you can move forward—free from financial burdens and worries and empower you to build the future you deserve.
WE DO THE WORK SO YOU AND YOUR FAMILY CAN ENJOY THE BENEFITS
ACCESS TO PROFESSIONALS IN OUR CIRCLE
Honesty, Professionalism & Consistency.
A Family own and operated Business
Welcome to TexasCreditHealth.com, ( Powered by
your trusted partner in consumer credit advise and financial empowerment. at Credit Health Consultants, we specialize in helping individuals and families repair, rebuild, and strengthen their consumer credit profiles. Our approach is personalized and tailored to your unique financial goals and challenges. Whether you're recovering from past setbacks or preparing for a major financial milestone, we’re here to guide you with expert insight and proven strategies.
Let’s build your financial future, one smart step at a time!
N. Ridley
General Director of Operations
Credit Health Consultants LLC )
Join the Hundreds Who Have Transformed Their CreditHealth
TM
For over five years Texascredithealth.com has been helping struggling citizens improve their CreditHealth, finances—and their future.
TM
All with a simple proven plan that Works! and give Results!!
You work too hard to be held back by bad credit. Whether you’re trying to recover from past mistakes or improve your credit score, our step-by-step approach will help you take control of your financial future—one move at a time.
Credit Report Analyzation
Step-1
We start by reviewing your credit reports from all three major bureaus Experian, TransUnion, and Equifax. During this process, we look for errors, outdated accounts, or unfamiliar activity that could be hurting your score.
🔹 Tip: You can get a free report at | AnnualCreditReport.com
Disputing Inaccurate Information
Step-2
It’s important to dispute mistakes on your credit report as soon as possible. Under the Fair Credit Reporting Act (FCRA), credit bureaus are legally required to investigate your dispute within 30 days.
Disputing inaccuracies is a key step in protecting and improving your credit health. Errors like incorrect balances, accounts that don’t belong to you, or outdated negative items can appear and unfairly lower your credit score.
Pay Down Debt & Make Payments on Time
Step-3
We then create a plan that will help you Focus on paying off credit cards and loans, starting with high-interest accounts. Most importantly, pay all bills on time—payment history is the biggest factor in your credit score.
After identifying any errors or outdated information, we create a personalized plan to help you focus on paying off credit cards and loans, starting with high-interest accounts first.
Most importantly, we emphasize the power of on-time payments, since payment history is the single biggest factor in your credit score. Consistent, timely payments help build trust with lenders and steadily raise your credit standing over time.
Avoid New Debt & Build Positive History
Step-4
Don’t open any new credit accounts, stay away from consumer credit cards, or store cards. they are deadly, and avoid maxing out your current credit cards.
As your credit improves, it’s important to protect your progress by making smart financial choices.
Avoid opening new credit accounts—especially consumer or store cards. They often come with high interest rates and can easily lead to unnecessary debt.
Never max out your existing credit cards. Keep your balances low—ideally below 20% of your credit limit—to maintain a strong credit utilization ratio.
Staying disciplined with your spending habits will help you preserve your gains and continue building a healthy, stable credit profile.
Constantly rated and reviewed by our Peers
A credit report includes information on where you live, how you pay your bills, and whether you've been sued or have filed for bankruptcy. Nationwide credit report companies sell the information in your report to creditors, insures, employers, lenders, and other businesses that use this data to evaluate your application for credit, insurance policies, employment, renting or buying a Home to determine the risk factor they are taking by doing business with you! therefore it is imperative to have this information before we jump start the process of repairing your Credit.
Why Your Credit Report Matters?
Credit Health Consultants - Credit Report Analysis
Our Report & Analysis
Nearly 98% of credit repair companies take a shortcut approach. They skim your report, target two or three major items, and offer a quick fix to bump your score. That might be enough for some—but not for us. At Credit Health Consultants, we go deeper. We examine everything on your credit report—not just the obvious issues. Our mission is to uncover every opportunity to improve your credit profile and help you build lasting financial health. No band-aids. No shortcuts. Just real results
Free Credit Consultation, Tips or Questions
Real People - Real Stories
I was very skeptical at first because many Credit companies all they want is your money, they give you quick results, but not long term, I did not needed a 30 fix. Mis Ridley took the time to call me and she explained everything she was doing Thank you Ma'am
Damian Kirkaldy
I was very skeptical at first because many Credit companies all they want is your money, they give you quick results, but not long term, I did not needed a 30 fix. Mis Ridley took the time to call me and she explained everything she was doing Thank you Ma'am
Damian Kirkaldy
I was very skeptical at first because many Credit companies all they want is your money, they give you quick results, but not long term, I did not needed a 30 fix. Mis Ridley took the time to call me and she explained everything she was doing Thank you Ma'am
Damian Kirkaldy
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