$1 Credit Report • Start with clarity, then schedule your personalized consultation.

OUR STORY

Helping Texas Families Understand Credit

and build toward home ownership.

The Team Behind Your Credit Comeback

We turn that clarity into a plan,all the way to your own front door.

WHO WE ARE

Clarity First. Confidence Next. A Home, In Time.

Credito Texas was built on a belief that every family deserves a real shot at financial success, not just those who already know how the system works.

With over 20 years of combined management experience in credit restoration, our team has guided thousands of Texas families through the process of understanding their credit, removing what is holding them back, and qualifying for the homes, cars, and businesses they have worked hard for.

We do not just repair credit. We teach you how to build it, protect it, and use it to change your life. That is the Credito Texas difference.

And we do it all in English and Spanish, because financial opportunity should never depend on a language barrier.

Based in The Woodlands, Texas - Serving Families Statewide

OUR EXPERTISE

What we help families with

Six areas of focus — all education-first, all built around your situation.

Credit Report Analysis

Reviewing your report with you and explaining it in plain language.

Consumer Rights & FCRA

Explaining the rights you have under federal consumer protection laws.

Mortgage Credit Preparation

Getting your profile ready before you apply for financing.

Home Buyer education

Reviewing your report with you and explaining it in plain language.

Financial Habits Coaching

Explaining the rights you have under federal consumer protection laws.

Bilingual Guidance

Getting your profile ready before you apply for financing.

Our Expertise

20+ Years Of Combined Experience In Financial Education

From dispute strategies to mortgage preparation, our team brings deep expertise and a community first approach to every client we serve.

Strategy

We start with a full analysis of your credit report across all three bureaus, then build a personalized roadmap based on your goals.

Dispute and Removal

We challenge inaccurate, outdated, and unfair negative items on your behalf using proven dispute strategies that get results.

Score Building

We guide you through the steps that move your score efficiently, including utilization management, payment history, and account mix.

Mortgage and Loan Readiness

We prepare your credit profile before you apply, so you walk in lender ready and qualify for the best

possible terms.

Business Credit

We help you establish a business credit profile separate from your personal score, opening access

to funding you could not get before.

Education and Long Term Maintenance

We teach you how the credit system works so you never have to rely on anyone else to manage it.

The knowledge you gain here stays with you for life.

Run Credit for $1

Schedule Consultation

Start Learning

Meet The Team

Real People, Real Experience,

Committed to your financial Future.

Ely Islas
Guides families from their first report to a plan built around their goals.

Founder & Lead Credit Consultant

Ely founded Credito Texas with a clear purpose: to provide the Hispanic community with personalized, bilingual credit restoration services they could trust. She believes that improving your credit means improving your life, and she built this company to make that possible for as many Texas families as possible.

"I invite you to join us on this journey. I look forward to seeing you and working with you very soon."

-Elizabeth Islas, President

Rafael Islas

Keeps the process smooth so every client gets timely, personal attention.

VP of Operations

Rafa has been working in the financial industry since 2008. Of Mexican origin and deeply committed to the Latino community, he joined Credito Texas to help people achieve the dreams that matter most: buying a home, qualifying for a car, or simply being able to say their credit is in great shape.

He is a certified Project Manager with a background in marketing and finance, specializing in account management to ensure every client receives the attention and results they deserve.

Joe Ozark

Sits down with clients to review reports and explain every line clearly.

Credit Consultant

Joe brings decades of experience in the credit repair industry, voted the number one consumer credit expert in Texas for four consecutive years and a four time recipient of the Houston Excellence in Customer Service Award.

A national bestselling author, state certified credit instructor, and former co host of the Real Estate Rat Pack on 100.7FM, Joe is one of the most credentialed voices in the industry.

Paul Aldana

Works with realtors, loan officers, and builders to get more families ready.

Partner Relations

Paul leads the growth of Credito Texas with a focus on helping the Latino community reach stronger financial milestones. With years of experience and a commitment to continuous learning, he works alongside Realtors to deliver credit repair excellence so more clients can qualify and move forward with confidence.

His diverse skill set drives results for affiliate partners and ensures clear, accountable communication with every client.

How We Work

Honest by design

Credit is trust-sensitive, so we're careful about what we promise. Here's exactly how we talk about our work.

✓ What We Always Do

We help review your credit report
We educate you on how credit works
We explain your consumer rights
We create personalized strategies
We provide guidance at every step

✕ What We Never Say

~~We guarantee results~~
~~We promise score increases~~
~~We remove accounts~~

Because real progress comes from education and good habits, not empty promises.

Testimonials

What families say about working with us

Hundreds of Texas families have trusted

Credito Texas and sent their friends and family too.

Here is what some of them have to say.

★ ★ ★ ★ ★

I couldn't be more happier with my service here. Ely is such an amazing person and very knowledgeable. She explained everything so well about my taxes and gave me her best recommendation on how to move forward and I couldn't thank her enough for all her knowledge. She gave me a peace of mind about my taxes and I will definitely be coming back . 😊

Alma J.

★ ★ ★ ★ ★

I’ve been working with this company for about 2 months now, and I’m already seeing a boost in my credit scores! 🙌 What I appreciate most is their patience and the way they actually teach me how to maintain good credit, not just repair it. Every step of the way, they’ve explained the process clearly and answered all of my questions. I feel supported and more confident about my financial future. Highly recommend to anyone who wants real results and guidance on building healthy credit habits.

Sierra C.

★ ★ ★ ★ ★

Great company! They helped boost my credit score from the 400s to nearly 700 in just a year. Super professional, easy to work with, and truly effective.

Jorge G.

See More Testimonials

FAQ

frequently asked questions

What is Credito Texas?

Credito Texas is a bilingual credit restoration and financial education company based in Houston, Texas. We help individuals and families understand their credit, remove negative items, and build the financial foundation they need to reach their goals.

Where are you located and who do you serve?

Our office is at 2002 Timberloch Place, Suite 200, The Woodlands Texas 77380. We are open Monday through Friday 9am to 5pm and Saturday 9am to 2pm. We also work with clients by phone and virtually, so we can serve families across all of Texas.

What makes Credito Texas different from other credit repair companies?

We lead with education. Most credit repair companies dispute items and send you on your way. We teach you how the credit system works so you are in control for life. We are also fully bilingual and we build personalized strategies, not cookie cutter plans.

What do I need to bring to my first consultation?

Nothing, just yourself. We pull your credit report as part of the $1 first step so you do not need to prepare anything in advance. If you already have a recent report or know of specific items you want to address, feel free to share them, but it is not required.

Do you work with clients who have had bankruptcy or major collections?

Yes. We work with clients at every stage of their credit journey, including those recovering from bankruptcy, medical debt, collections, or other major setbacks. Everyone's situation is different and we build a plan that fits yours.

How do I track my progress?

We keep you informed every step of the way. Your advisor will walk you through changes as they happen, explain what has been removed or updated, and show you how your score is trending. You will never be left wondering what is going on with your credit.