Veteran Owned & Operated

The owner, Phyllis E. Traylor is a 20-year, US Army Retired Veteran.  She is a Certified Credit Repair Specialist, a Board Certified Credit Consultant and a member of the Credit Consultants Association. Phyllis is also a Texas Commissioned Notary Public, and a National Notary Association (NNA) 2018 Notary of the Year Special Honoree, who loves helping people achieve their financial goals.

Education is Key

My Texas Credit Repair is registered and bonded in Texas. We offer support and assistance in our clients’ credit restoration process. However, more important, we offer education during the process, so our clients learn how to maintain their credit scores once the process is completed.  Our clients are 100% involved in the process of restoring their credit.  In order for the process to be successful, it has to be a joint effort.

Why are We Different

Our utmost priority is to help customers get their financial life back. We achieve this by providing constant education on the process of raising your credit score, rebuilding credit, debt settlement when needed, and dealing with debt collectors. We believe that proper knowledge is the key to restoring your credit.

Why we are here

We are here to assist you in getting the things you want in life. We know that navigating the credit repair maze can be very challenging if you are not aware of all of the laws that regulate collectors, creditors, and credit bureaus. Our job is to take that heavy burden off your shoulders and do all of the tasks for you so you can get approved again.


When it comes to dealing with creditors, collectors, and credit bureaus, you need experience in this area to get the best results. We have the expertise that will help you to deal with any situation that presented by the creditors, collectors, and credit bureaus.

Creditor and Collector disputes

To get the best results, you have to go beyond the credit bureaus as they are just one piece of the puzzle. The laws allow you to dispute directly with the creditors and the collection agencies to get all inaccurate information removed from your credit reports. Because of this, we provide direct disputes with creditors and collectors for no additional charge.

No-Risk Refund Policy

We believe in complete satisfaction, and that is why we have a no-risk refund policy. If for some reason, you are not happy with the prior month’s service, we will refund your money back.

No-Hassle Cancellation Policy

Want to cancel your service? That is not a problem. There is no yearly or monthly contract with our credit repair programs. All services are month to month, and you can cancel at any time. Just call or send us a mail and we will be happy to cancel your service.

Free consultation

We want to make sure that you are happy with our services before coming on board with the full program, so we are offering you a free credit evaluation with no strings attached.


As you know, customer support is essential to every customer. We pride ourselves on the top of the line customer service. If you need anything, you can reach us by phone or by email. If you are contacting us by email, kindly note that we will respond to your mail within 24 hours.