Austin Credit Group

The past year, I’ve been getting all my ducks in a row in preparation to purchase a home this Spring. I finally got to the point where my credit score ranged from a 788 to a 805. Then came Macy’s and screwed up those plans. Long story short: I switched over to paperless billing and never received a bill (not even in the spam folder). The last 4 months, I had paid off 5 accounts, so I naturally assumed the $ 78 balance on that account was one of them. I tried to resolve it with their credit department, but with no success.
I called Austin Credit Group the following day and spoke to Steve. Steve shot me straight. Rather than lie and take my money, he was honest about my situation… that nothing could be done. I greatly appreciate his honesty. I know there are others that would lie just to make a quick buck.
By the end of our conversation, I had a better understanding of the do’s and don’t over my situation. He also emailed me updated information about interest rates on mortgages based on credit scores (since mine took a significant hit). He gave me even more advice about the home buying process and how lenders and underwriters work. I thought I did my research on the home buying process, but Steve was an encyclopedia of information. I can’t emphasis enough how knowledgeable and helpful this man is. Give his company a call before you bother with anyone else.

In my college days I was not very good with my finances. I was the classic idiot who got a credit card and charged it up thinking «next month» I’ll pay it off. Not to mention old student loans that got lost between my dad and I. At its lowest point my credit score was 520. So when I finally got serious about addressing my credit problems I searched for «credit advisor», but the only thing google returns are credit consolidation companies (scams) or personal financial planners (irrelevant). I wanted someone who knew all the credit laws, tips and tricks. Someone who could look at my report and tell me my options. ALL MY OPTIONS — not just «pay them back plus interest».
Finally I found Steve at Austin Credit Group. He is literally one-​of-​a-​kind. There isn’t a single comparable service like this (in all my searches). For just $ 99 he sat down with me for an hour, looked at all three of my credit reports and told me what the situation was. He revealed things to me that I never knew about credit (and how messed up the system is). We looked at each negative item on my report and he advised me on the best way to handle it. Surprisingly, sometimes it’s NOT in your best interest to pay back a creditor (the credit system is jacked)!
He definitely had my best interest in mind — so much so that at the end of our session there was no up-​sell for his premium services. Instead he gave me a wealth of information on how to build new good credit, and most importantly, magical tips on how to boost my credit score. Since meeting with him 5 months ago I have gone from a 602 score to a 722! I feel like a new man.
Go to Steve! He’s a real nice guy and a straight shooter. He will hold no judgements over your past decisions. He just wants to get your scores up.

I went in with a 608 score. Steve spent good amount of time educating me on how the credit system works and what I could do to bump up my score. 3 months later I am at a healthy 730. Extremely happy with the outcome. He really is the best in Austin

We would like to thank Steve for opening our eyes to understand how the credit system works. He really helped out a lot. He’s smart and humorous which made it so comfortable to be around and learn. We are so thankful for the knowledge he has provided us with, in taking our credit score to above and beyond. If you’re ever looking into getting fixing your credit, we highly recommend Austin Credit Group! You won’t be disappointed.

Still awesome. I can’t believe how well this credit repair worked! If anyone tells you credit repair doesn’t work, tell them it depends on the expert who is doing it.
It works. Steve is very diligent, and pushes me to do what I need to do on my end, like getting him updated reports. But, that’s fine… it’s working. Great little company, and really nice people.

So I wanted to fix my credit and didn’t know where to start I called a couple of places and got an automated system. I called Austin Credit Group and Steve answers the phone awesome I’m talking to a real person. I talk to Steve and tell him my situation we set up a meeting and I decide to move forward with Austin Credit Group. After following the direction of Steve and letting him apply his great knowledge of how credit works 90 days later my credit score went up 120 points. But wait it gets better because of what he did for my credit a was able to get a brand new 2015 car at 0% interest. I will continue to work with Steve and HIGHLY recommend Steve and Austin Credit Group to anyone who is serious about fixing their credit!

I don’t know how this JOKE got my review removed. HOWEVER, he is still a rip off an I have filed complaints with the BBB against him and iRestore. He had the nerve to email me through Unilocal claiming he’s never dealt with me. Well, he’s lying and I have the emails to prove it. Don’t waste your time or your money. iRestore is just as big of a rip off as Steve is.

Steve has been helping me with credit repair for the past 5 month’s. In that time Steve has been able to remove numerous degotory and delinquent accounts on my credit reports. When I started out my credit score was very poor and I was a high risk for lenders, which meant it was impossible for me to get a loan for anything. Now 5 months later my score has jumped up 117 points and still climbing each month. If your in need of credit repair, your crazy if you don’t choose Austin Credit Group to help you get your credit back in order. Steve your awesome thanks for all your help.

All the comments on this page are pretty accurate. Steve is very knowledgeable and extremely nice and his fees are very reasonable I would use him again and again and again. Mohammad

Steve is really helping out my husband and I with getting our credit sorted out. We have been preoccupied with running a business and operating on cash and let our credit scores lay stagnant so Steve is really helping us.
I would encourage anyone to give his services a chance.

Just got off the phone with Steve. I’ve been paranoid that the dirty work of some false claims a few years ago from Bank of America had hurt my credit. He provided me with some wildly valuable information and spent a good deal of time with me even though he told me I did not need to hire him for his Credit Repair services because my score was already high enough and the time frame was diminishing on it making a difference to contest the notes. I really appreciated his honesty and encouragement to keep doing what we’re doing.
He also broke down a few mistakes that we’ve made along the way… namely cancelling our BoA account (in a haste after they proved to be the worst company ever). This apparently was not the best idea.
Steve provided us with some resources for increasing the score for my husband (who has a short credit history because he’s only been living in the US for 7 years)
He also does consulting with investors with real estate so we look forward to working with him sometime in the future on these services. Steve seems to be extremely well connected and genuinely cares about making people more aware. If we ever had a problem we would hire him in an instant.

After moving here from Canada, I had what they call a «thin file» meaning I had no bad credit but I didn’t have any good credit either. I wasn’t even able to get a credit card at first. Steve has helped me out and I have worked all the way up to buying a house. Thanks for your help Austin Credit Group!
Update: i was excited to learn thry have new software that is supposed to get my credit even higher!

I’m a young guy (23). I had never had my credit looked at since I have never had a credit card and have virtually no debit. I met Steve at a networking group and carved out sometime to meet with him. He was very informative and consultative. He helped me understand how credit works and the importance of creating it now.
I recommend Steve for anyone who wants to learn more about their personal credit or how credit works!

After a messy divorce, I thought my credit issues was a mess due to my ex and trying to survive after. Steve found I was carrying the bad reports and judgements of several other people. He had those removed and worked very hard to get me back to a good rating. Thank you Steve!

I have worked with Steve at Austin Credit Group on our personal credit and found him to be informative and I have found his advice to be well thought out. Having been approached by numerous others in his industry, I find Steve’s approach toward credit building to be constructive toward building our personal and business credit without setting unrealistic expectations.
Steve’s integrity and honesty are what I like most about doing business with him and I am personally looking forward to having a long term relationship with his company as our business grows.

When my husband and I had questions about our credit and becoming ready to purchase a house, we talked to Steve at Austin Credit Group. He gave us a lot of information and suggestions on how to improve our scores so when we apply for a mortgage, we’ll have a better interest rate.
Steve’s helpfulness and extensive knowledge made it easy to ask questions, and he gave us answers that we understood. I highly recommend Austin Credit Group for all credit repair needs!

Austin Credit Group is by far the most thorough and effective credit improvement business operating in central Texas. Steve is a very compassionate, and intelligent individual who really takes the time to get to know his clients, and their needs. His in-​depth credit review truly opened my eyes to the world of credit improvement.
Having spoken with many so-​called credit repair agencies out there, I can honestly say none compare to the services and results Steve offers. If you have a need for shockingly effective credit improvement, do yourself a favor and give Steve a call. He will not only improve your credit standing, but he offers an education in credit that is absolutely priceless.
Thanks to Steve, my wife and I will be refinancing our house, and realizing tremendous savings for years to come! I am an extremely satisfied client!

I recently hired Steve to repair my credit after years of trying to on my own. Soon after I hired him, my credit score began to climb until I had gained more than 100 points. After that happen, I refinanced my car to a lower interest rate. The savings will more than QUADRUPLE what Steve charged me. That’s 4X my investment. As a financial advisor, I can tell you that is a FANTASTIC return.
Also as a financial advisor, I can say that you should totally hire Steve to help you fix your credit. It just makes sense!

Just got off the phone with Steve. I got new reports from the credit bureau that showed the accounts are still in dispute status on my reports. I asked Steve what else we could do to fix this and his response was «settle the accounts». That was it. I pointed out, AGAIN, that I never agreed to settle these accounts and he was silent. He then said that he couldn’t believe I had the nerve to call him. He then hung up on me. He has already collected his fees and continues to refuse to repair the dispute issues he placed on my accounts.

Steve is great he is patient and has a great system to keep you on track in fixing your credit. We ended up discovering my credit was in good shape and he did not try to charge me for additional items. He even gave me an outline of how I could further build up my credit. I will be recommending him to my friends and family.