Let's Us Help Boost Your

We serve Texas and Florida consumers by helping our clients remove negative credit errors, add new positive credit, and improve their credit scores. Sign up today for a free review of all 3 of your credit reports.

Black woman holding credit card isolated

Don’t Let Bad Credit Hold Back Your Dreams

Credit impacts almost every area of your life. With better credit, you can keep more of your hard-earned money while putting your increased purchasing power toward the stuff of your dreams:

Become a Homeowner

Save thousands on your mortgage.

Buy or Lease a Vehicle

Stretch every dollar with low fees interest rates.

Lower Your Interest & Cost of Living

Pay less for your phone, insurance, and utilities.

Better Career Opportunities

Pass an employer’s credit check with confidence.

We Can Help You Achieve All of the Above and Much More!

Get Creditors, Collectors & Bad Credit

Out of Your Way

Having less-than-perfect credit can cost you thousands of dollars in interest and fees. It can even keep you from getting the financing you need to pursue your goals. That’s where Cut Up Debt steps in to help!

computer mouse and keyboard
Play Video

Credit Bureau & Creditor Disputes

We dispute negative and erroneous items that are holding back your credit scores.

Protect Your Legal Rights

Our attorneys identify collection and reporting violations and turn them into cash for your cash.

Build New, Positive Credit Quickly

We advise our clients on opening new accounts that have proven to build credit effectively.

Resolve Your Outstanding Debts

We help remove the difficult accounts with balances by negotiating on your behalf.

Any Negative Credit Item could be REmovable

What Errors Are Killing Your Credit?

Find Out Now with a FREE Credit Review!

  • Collections
  • Charge Offs
  • Repossessions
  • Foreclosures
  • Late Payments
  • Judgments
  • Tax Liens
  • Inquiries
  • Identity Theft
  • Personal Data
  • And Much More

TRUST YOUR Future With Proven

Credit Experts Since 1993

Cut Up Debt has helped hundreds of consumers improve their lives by using our proven methods. We take the time to get to know your situation and create a personalized strategy. You need a company that can get results and, most importantly, prepare you to maintain your improved financial status. We provide every client with personalized counseling as well as live client support.

Young small business owner handing back a card

Start Seeing Results in as Little as 30-45 Days

On average, our clients start to see results within the first 45 days and successfully graduate our services in only 4-6 months. Here is how we help you improve your credit:

FREE Credit Review

It starts with reviewing your credit reports and developing a personalized action plan to address all potential issues and areas of improvement.

Credit Audit

Get a detailed grasp of the probable errors on your credit report, how to optimize your credit mix, and adjust your balances to maximize your scores.

Credit Disputes

We create personalized disputes with TransUnion, Experian, Equifax, and your creditors to remove errors that are holding back your credit scores.

Credit Coaching

Our credit experts get familiar with your history and provide you professional advice on what you can do to reach your financial goals.

Premium Services for One Low Price

Credit Repair Audit

Your Personalized Roadmap

$349 $ 299
1 Time Setup & Audit Fee
  • In-Depth Credit Audit
  • Debt Ratio Review
  • Online Portal Activation
  • Personal Repair Roadmap
On Sale Now!

Credit Repair Services

Personalized Credit Repair Services

$129 $ 109
  • Unlimited Credit Bureau Disputes
  • Unlimited Creditor Disputes
  • 24/7 Online Support
  • Personalized Attention
On Sale Now!

24/7 Online Support

Follow your status online with access to your personal credit portal.

Personalized Attention

We keep you informed the entire time so that you know exactly what’s happening.

Fast Results

Our goal is to help you graduate our services so you can start living your dreams.

Repairing Your Credit is Easier Than Ever!

We handle the entire credit repair process for you.

Dispute Derogatory Items on Your Credit Reports

Analyze and Reply to Credit Bureau Responses

Handle Your Creditors & Collectors Directly

Advise on Best Methods to Build and Keep Good Credit


Let Us Help Restore Your Credit Score!

We Are Ready Now to Start Serving You. There Is Nothing to Gain by Waiting Any Longer.

Our Partners

Hillary Bryand
VP of Mortgage Lending
Kyle Frasier with Cut Up Debt has a servant’s heart to help others repair their credit.  He is great at what he does and is highly recommended for anyone needing credit repair!  – Finance of America Mortgage