What are the opening hours?

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

Texas Consumer Credit Services

Home
United States
El Paso, TX
Texas Consumer Credit Services

First and foremost, we are consumer advocates. We fight on consumers behalf to help them enforce their consumer rights.

🏡 First-Time Homebuyer Credit Specialists
🤝 Helping credit-challenged homebuyers since 2014
Trusted by Lenders & Realtors across Texas
https://tccpartner.phonesites.com/consult 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 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.

10/29/2026

10/26/2026

Making the minimum payment can keep your account current, but it does not automatically mean your credit utilization is low.

For example:

• Credit limit: $5,000
• Balance: $4,200
• Minimum payment made: Yes
• Utilization: 84%

That account may be paid on time, but the balance is still using a large percentage of the available credit.

These are two separate things:

Payment history = whether you pay as agreed
Utilization = how much of your available revolving credit you are using

Both can matter to your credit profile.

So if you are carrying balances, do not look only at whether the minimum payment was made. Also look at how much of each credit limit is being used and what balance is actually being reported.

Current and low utilization are not the same thing.

Save this post if you carry credit-card balances and want to better understand what you’re seeing on your credit report.

10/25/2026

A strong credit dispute should be specific, not generic.

Simply saying “this account is wrong” does not clearly explain what you believe is inaccurate.

A more specific dispute identifies:

• The exact account being challenged
• The specific reporting issue you believe is inaccurate
• Supporting documents or records when available
• The correction you are requesting

That creates a clearer record of what is actually being disputed and why.

For example, instead of making a broad statement about an entire account, a consumer may need to identify a specific balance, payment history entry, account status, date, or ownership issue that appears incorrect.

The key is to understand the report first.

Know the account. Know the issue. Know what you are asking to be corrected.

Generic letters may be easy to send, but a dispute should be based on the actual information appearing on the consumer’s credit report.

Understand the issue before deciding how to dispute it.

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

Website

https://tccpartner.phonesites.com/consult

Alerts

Be the first to know and let us send you an email when Texas Consumer Credit Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.