Built on Trust. Driven by Education.
FixoCredit was founded with one mission: to give every American the tools, education, and personalized guidance to take control of their financial future through honest, compliant credit consulting.
Our Mission
“We believe credit challenges shouldn't define your financial future. FixoCredit exists to provide honest education, transparent guidance, and personalized credit consulting — empowering you to make informed decisions about your financial health.”
— FixoCredit Leadership Team
FCRA Compliant
Every dispute preparation strategy we use is rooted in the Fair Credit Reporting Act. We operate with full legal compliance, always.
No Upfront Fees
The Credit Repair Organizations Act prohibits upfront fees — and we go further by being transparent about every charge before you commit.
Education-First
We measure success by your understanding and long-term credit habits. Monthly reporting keeps you informed of your credit journey progress.
Client-First
You get a dedicated credit advisor, not a call center. Real humans who know your file and support your financial wellness journey.
8 Years of Helping Americans Improve Their Credit Health
FixoCredit was founded in 2016 by a team of FCRA specialists who had seen firsthand how credit bureaus routinely report potentially inaccurate information — and how few Americans knew they had the legal right to dispute it.
Starting with a small team in Dallas, TX, we've grown to serve clients across all 50 states, providing credit education, dispute preparation guidance, and personalized credit consulting to help families work toward better financial opportunities.
Today, FixoCredit is one of the most trusted names in credit education and consulting — built on transparency, legal compliance, and a genuine commitment to client financial wellness.
2016
Founded
50K+
Clients Served
50
States Served
A+
BBB Rating
Experts Fighting For You
James Carter
Founder & CEO
Former FCRA compliance officer with 15 years in consumer credit law. Certified Credit Counselor (NFCC).
Priya Sharma
Director of Disputes
FCRA specialist with 500+ successful bureau disputes. Expert in debt validation and collection negotiation.
Marcus Webb
Business Credit Director
Built business credit profiles for 2,000+ entrepreneurs. Former SBA loan officer and fintech advisor.
Fully Licensed, Compliant & Transparent
FixoCredit operates under strict federal compliance standards to protect your rights, privacy, and financial interests.
FCRA Compliant
Fair Credit Reporting Act
CROA Compliant
Credit Repair Organizations Act
BBB Accredited
A+ Rating
GLBA Compliant
Data Privacy Protected
NFCC Member
National Foundation for Credit Counseling
CROA Disclosure: Under the Credit Repair Organizations Act (CROA), you have the right to cancel your contract with any credit repair organization within 3 business days of signing. You also have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no cost. FixoCredit does not charge upfront fees before services are rendered.