Speed and aggressive rounds
We move fast and attack on multiple fronts at once, sending dispute rounds to the bureaus and the creditors instead of waiting around.
Credit repair in San Antonio
Your credit score is the first step to homeownership.
Ready to stop renting and start owning? We help you challenge the negative items holding your credit back with fast, aggressive dispute rounds, so you can work toward getting mortgage ready and finally pick up those keys.
- Fast dispute rounds
- Homeownership focused
- No long monthly subscriptions
Results vary. No specific credit outcome or score increase is guaranteed.
Welcome
Meet Stellar Credit Co
Grab a coffee and hit play. In a few minutes you will know exactly how we work and what your journey looks like.
How it works
Four simple steps to get started
No confusing paperwork marathons. Knock these out and we take it from there.
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Sign your agreement
Create your account and sign your client agreement online in minutes. Everything is laid out clearly before we begin.
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Upload your documents
Upload a photo ID, a proof of address, and your Social Security card or a W2. This helps the bureaus verify it is really you.
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Order your report
Pull your credit report through IdentityIQ, a third party credit monitoring service, so we can see all three bureaus.
Get your IdentityIQ report -
We go to work
We launch fast, aggressive dispute rounds on the inaccurate, unverifiable, and outdated items we find, and keep pushing round after round.
What we tackle
The items standing between you and your new home
If it is inaccurate, unverifiable, or outdated, we challenge it.
Late payments
Reported lates that are wrong or cannot be verified.
Collections
Collection accounts with errors or missing documentation.
Charge offs
Charged off accounts reported inaccurately.
Inquiries
Hard inquiries you do not recognize or never authorized.
Personal info errors
Wrong names, old addresses, and mixed up employer details.
Identity theft items
Accounts and activity that were never yours to begin with.
Why Stellar
Built for people who are ready to move
We are not here to keep you stuck on a plan forever. We are here to help you get to the closing table.
Homeownership focus
Everything we do points toward getting you mortgage ready. When the time is right, our lender partners can help with a rapid rescore.
Online portal with updates
Log in anytime to upload documents, check your progress, and see what we are working on next. No guessing, no chasing us down.
No long monthly subscriptions
Forget being locked into endless monthly plans. You pay for work that has actually been performed, and that is it.
FAQ
Questions? We got you.
How long does credit repair take?
Every credit file is different, so results vary. Timing depends on how many items you have, how the bureaus and creditors respond, and how quickly you get your documents in. We move fast on our end and you can track every round in your portal.
Do you guarantee items will be removed?
No. Nobody can honestly guarantee that any item will be removed or that your score will go up by a certain amount. What we promise is consistent, aggressive effort on the inaccurate, unverifiable, and outdated items on your reports.
Can I dispute items on my own?
Yes. You have the right to dispute inaccurate information directly with the credit bureaus and creditors yourself, for free. Our clients hire us because they want an experienced team to handle the work, the follow ups, and the strategy for them.
When do I pay?
You only pay after work has been performed. No upfront fees for services that have not been done yet, and no long monthly subscriptions.
How do I reach you?
Email us anytime at support@stellarcreditco.com or book a free consultation.
Your dream home starts with one step.
Stop waiting for the perfect time. Start cleaning up your credit today and work toward getting mortgage ready with a team that moves as fast as you do.