Our credit specialists help you dispute items with the 3 major credit bureaus and create a plan to repair your credit, no matter where you are in Texas, from the Gulf Coast to the Panhandle. We help clients nationwide and in all 254 counties in Texas, from the largest metro areas to the smallest.
Get StartedIf you're reading this, maybe you feel like this:
Maybe you don’t live in a major metropolitan area, and you have fewer options when it comes to lenders. You have to take whatever credit terms you can get.
You work in a job where your income is variable, and you fall behind on payments during slow months.
You've been hit with unforeseeable financial hardships from flooding, freezing, and other natural disasters, and your financial and credit situation suffered during the hardship and hasn't recovered.
You have medical collections and other negative credit items on your report that you don't think you should have.
You've made disputes on your own credit report, but nothing changed, and the responses you got were unhelpful.
If our specialists find credit report entries that don’t belong, we challenge them.
We check your reports for inaccurate entries and duplicates.
We formally dispute negative credit report entries, including medical collections and charge-offs.
We'll handle the letters, deadlines, and follow-ups so you can focus on your work, your ranch, your shop, or your family.
We simplify your report so you know which parts are most important.
We help keep your long-term goals, like a truck loan, a home purchase, or business expansion, financing within view.
We provide a no cost, no obligation consultation to explain our approach, outline what is keeping your score low and provide an honest assessment of whether we think it is worth your time to work with us.
We perform an audit of your credit report, and with your permission, flag anything that appears to be out of date, incorrect or unverifiable.
We make a recommendation based on your report. This could be a targeted, quick report cleanup or a complete, long-term report rebuild, which may include funding.
We handle disputes and report negotiation. We guide you in maintaining and adding positive information.
On applicable support plans, we maintain regular contact with you as your Client Success Manager.
Wherever you may live in Texas, you get the same great service.
We provide regular progress reports and maintain open communication.
In addition to credit building, eligible clients have the opportunity to receive support in personal funding (up to $50K) and business funding (up to $100K), processes that align with the needs of the many small-business owners and independent operators in Texas.
Interested in starting a business or buying a house with your partner? Our couple packages allow you to work on your credit together for less than two individual packages.
Unlike other companies, we don’t have one overworked agent working on your file; we have a team consisting of dispute specialists, client success managers and a strategy team led by the founder, all working together to make sure you get the results you deserve.
Texas clients deserve to understand their personal finances fully and to have jargon stripped from their financial literature in order to make confident decisions.
Real results, integrity and education shape every conversation we have with a client.
Heads Up Enterprises was founded by a former financial educator and credit consultant who believes credit consultation should be clear and simple, and most importantly, honest.
Our team consists of dispute leads, client success managers, and dedicated dispute specialists.
Our procedures are in accordance with the Credit Repair Organizations Act (CROA), which means we uphold a 3-business-day right to cancel, no false or misleading promises and signed agreements.
We provide our services to clients across the state of Texas, including Houston, Dallas, Austin, San Antonio, El Paso and Corpus Christi. We also work with clients throughout the USA.
Every plan below is designed for a different stage, from straightforward cleanup to funding-focused strategy.
|
Plan |
Starting At |
Best For |
|
Texas Strong Plan |
$550 (Reg. $1,000) |
Removing negative items across all 3 bureaus |
|
Oasis Plan |
$1,560 |
Credit repair + credit-building + funding guidance up to $50K |
|
Empire Plan |
$2,560 |
Personal + business credit, LLC setup, funding up to $100K |
|
Guardian Sweep |
$3,000 |
Aggressive dispute campaigns for severe derogatory items |
|
Ascend Mentorship |
$5,000 |
1-on-1 mentorship, credit + business strategy, funding up to $150K |
|
Dynasty VIP |
$7,500 |
White-glove service for entrepreneurs scaling wealth |
Receive a free consultation, personalized strategy and plan for your financial goals.
Yes. We service all Texas residents the same, whether you're in a small town or a big city like Houston or Dallas.
Late payments that were reported accurately generally can’t be removed just because of the circumstances. But many credit reports contain inaccuracies, duplicates, or things that can’t be verified and should be disputed. We review your credit report and explain what can and can’t be disputed.
No, and no company can legitimately do that. It is against the law for credit repair companies to guarantee results. What we can guarantee is an exhaustive dispute process and to be here for you every step of the way.
Credit reporting is largely governed by federal laws, so the process remains the same. Texas also has specific laws that govern credit services companies, which we comply with.