Future Homebuyers
Understand what is affecting your file and build a practical path toward mortgage readiness.
Harley David Walters · Serving Texas since 2011
Building Credit For Your Future.
Personalized credit education, dispute strategy, collection settlement assistance, and homebuyer preparation—guided by more than 25 years of financial experience.
You choose the appointment. At that scheduled time, call 432-278-2278. We do not cold-call prospects for evaluations.
Harley David WaltersFounder · Credit educator · Former mortgage lender
Since 2011Texas-owned experience
A+ BBBTrusted business standing
7 YearsBest of San Antonio
25+ YearsFinancial experience
Who we help
Real credit guidance for real-life goals.
Our work starts with your actual credit report and your actual goal—not a generic dispute cycle.
Families Rebuilding
Address collections, utilization, and payment history with education and a personalized action plan.
Veterans & Military
Credit education that respects the unique timeline and goals of active-duty and veteran families.
Business Owners
Strengthen the personal-credit foundation that often supports business financing and growth.
Realtor & Lender Referrals
Clear communication and progress updates that help trusted partners protect their pipeline.
Clients With Collections
Review validation and settlement options without debt consolidation or a one-size-fits-all script.
Why Texas Custom Credit Repair exists
Built after seeing too many good families turned away.
During his years in mortgage lending, Harley David Walters saw how often fixable credit issues kept families from moving forward. He founded Texas Custom Credit Repair to close that education gap with honest guidance, organized action plans, and support people can understand.
- Personalized credit-file review and strategy
- Credit education in plain language
- Settlement and validation support
- Collaboration with Realtors, lenders, and builders
A clear four-step process
From credit report to action plan.
Know what happens next, what we need from you, and how progress will be reviewed.
Pull Your Reports
Start with current information from all three bureaus.
Evaluate the File
Identify errors, collections, utilization, and priorities.
Build the Strategy
Choose dispute, validation, settlement, and rebuilding steps.
Review Progress
Monitor updates and adjust the plan as your file changes.
Documented settlement examples
Real dollars saved for real clients.
These prior outcomes show what thoughtful settlement strategy can accomplish. Every creditor and account is different.
Firestone Complete Auto Care
$522.00
Saved $781.26
Original balance: $1,303.26
Spring Oaks Capital
$244.00
Saved $349.35
Original balance: $593.35
Credit One Collection
$355.23
Saved $434.18
Original balance: $789.41
Past results do not guarantee future outcomes. Savings, deletions, score changes, and creditor decisions vary by account and client participation.
Programs
Support matched to the complexity of your file.
Pricing is based on the number of items requiring attention and the level of hands-on support you need.
Basic Credit Repair
Up to $749
- Personalized credit-file review
- Dispute and validation strategy
- Settlement assistance
- Monthly progress reviews
- Client Portal access
Premium Credit Repair
Up to $999
- Everything included in Basic
- Direct settlement negotiation support
- Advanced settlement strategy
- Mortgage-readiness planning
- Priority support for complex files
Recognized year after year
Best of San Antonio award history.
A consistent record of service, education, and trusted relationships across Texas.
Trusted by clients and partners
Straight answers. Clear action. Real care.
★★★★★
“Harley was honest, knowledgeable, and got straight to work. Thanks to him, doors started opening for my clients.”Steve HernandezSetmore review
★★★★★
“Texas Custom Credit Repair is professional and straightforward with my clients' needs.”Shannon WeilGoogle review
★★★★★
“Harley and his team are top-tier in the business. I highly recommend Texas Custom Credit Repair.”Patricia Thompson, Realtor®Google review
Frequently asked questions
Know what to expect before you begin.
How long does the process take?
Timelines vary by file complexity, bureau response times, and client participation. Many clients see measurable activity within 30–90 days.
Can you guarantee deletions or score increases?
No. No ethical credit repair company can guarantee a specific deletion, score increase, or financing approval.
Why is credit monitoring required?
Active monitoring helps us review bureau updates, score trends, new reporting, and settlement progress throughout your program.
Do you help with settlements?
Yes. We provide settlement strategy and support. Premium service adds direct negotiation and enhanced support for complex files.
Can couples enroll together?
Yes. Couples, co-borrowers, and household members can enroll together and may qualify for special pricing.
What happens during the free evaluation?
We review your current report, discuss your goals, count the items that need attention, and recommend the right level of service.
Your next step starts with a clear credit plan.
Schedule your free phone evaluation, then call us at the appointment time.