Trinity Credit Services Logo

Trinity Credit Services

Is This Your Business?
star star star star star
LAST UPDATED: April 30th, 2021

Trinity Credit Services is a Texas-based company that provides custom credit repair service options to clients with differing credit repair needs.

Before starting the credit repair process, Trinity Credit Services offers potential clients a free credit report evaluation conducted by one of the company's credit consultants. Clients are also provided with an online credit portal and buying assistance as well as a 100 percent money-back guarantee.

The credit repair company features a variety of credentials on its website including an FCRA certification. Additionally, the company showcases that it is listed with Dun & Bradstreet and is a member of the McKinney, Texas Chamber of Commerce.

Although Trinity Credit Services features its credentials online, it does not provide enough information regarding its credit repair services on its main website which means that clients need to directly contact the company to learn more.

Keep reading to learn more about the company's credit repair services and to read Trinity Credit Services reviews. 

Top Ranked Companies


The Good

  • Custom Credit Repair Process
  • Client Buying Assistance
  • Online Resources

Custom Credit Repair Process

Unlike the many other credit repair companies, Trinity Credit Services offer a straightforward, custom credit repair process instead of set credit repair plan options.

Clients will start the process with a free credit report evaluation conducted directly by a Trinity Credit Services credit consultant. The company will then present the client with a custom-built credit repair plan. Once the plan is in action, the client will receive "correspondence from credit reporting agencies within the first 30-45 days," as stated on the company's main website.

In regards to the free credit report evaluation, Trinity Credit Services will look over credit reports from each major credit bureau (TransUnion, Equifax, and Experian).

Similar to other credit repair services, Trinity Credit Services states online that it has helped clients remove items like late payments, tax liens, bankruptcies, foreclosures, auto loans, inquiries, charge-offs, student loans, and more from their credit reports. 

Client Buying Assistance

According to the Trinity Credit Services website, the credit repair company has a list of lending partners that can help clients obtain "the "best deal" in regards to home and car purchases.

Many other companies in the credit repair industry do not have lending partners who can work with clients. Therefore, Trinity Credit Services' lending partners may be fairly valuable resources to clients.

Online Resources

In addition to its credit restoration services, Trinity Credit Services has a few helpful online resources that clients can use. The company has an active credit blog that covers topics relating to credit report errors, credit scores, credit cards, credit limits, credit repair, scams, and more.

Trinity Credit Services also provides an online client portal that clients can use to track their credit repair progress and access various webinars as well as other helpful educational credit programs.

Additionally, the credit repair company provides direct contact information for its CEO, director of operations, business development manager, and consulting manager on its website. Meanwhile, most companies in the credit repair industry only offer a general form of contact which makes Trinity Credit Services stand out. Because the company provides this type of easy-access contact information, clients can contact any of these staff members whenever they wish. 


The Bad

  • Limited Website Information
  • Lack of Legal Assistance
  • Two-State Service Area

Limited Website Information

Although Trinity Credit Services does provide some information regarding its simplified credit restoration process, there are still several important company details that are not disclosed on the company's main website. The company does not disclose details of the following:

  • Monthly payment and other fees
  • Payment plan options
  • Company industry experience
  • Specific staff credentials
  • Item disputes
  • Client credit qualifications
  • Money-back guarantee
  • Refund qualifications
  • Credit repair technology
  • Other services (credit monitoring, debt relief, etc.)

Potential clients who wish to obtain information on the above topics must contact the company directly.

Lack of Legal Assistance

Trinity Credit Services does not seem to offer any legal assistance for clients' varying credit situations.

Meanwhile, some top-rated credit repair companies provide clients with access to at least one attorney who can provide certain legal assistance if needed.

Two-State Service Area

The credit repair company only provides services to Louisiana and Texas residents. Those interested in this company who live outside of these two states will need to search elsewhere for credit repair services.

Although it's not uncommon for credit repair companies to have limited service areas, most companies operate in more than just two states. 


The Bottom Line

Trinity Credit Services provides a free credit report evaluation, a 100 percent money-back guarantee, and client purchasing assistance.

Additionally, the company offers custom-built credit repair plans and helpful online client resources like an updated credit blog, online client portal, webinars, direct contact information, and credit education programs.

Unfortunately, Trinity Credit Services does not disclose details regarding credit repair monthly payment and other related fees, technology, other services, refund qualifications, and more.

And, unlike some top-rated credit repair companies, Trinity Credit Services does not appear to provide any legal assistance whatsoever. If it is important to you that the credit service you hire provides some sort of legal assistance and operates outside of Louisiana and Texas, you may want to check out other companies in the industry.

If you are a Louisiana or Texas resident and are interested in Trinity Credit Services, we encourage you to visit the company's website, directly contact the company's staff, and read several Trinity Credit Services reviews to learn more about their service and offerings. 

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

star star star star star

2 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star star star star


star star star star star


star star star star star


star star star star star

Filter by:


Sort by:

star star star star star

Vanessa Long Lorena, TX

Very helpful. Affordable. Delivered their amazing services in an extremely efficient time frame. My personal agent was exceptionally everything I have been looking for in my seeking to hire someone to help me not only to restore my credit but to establish all the more as well. I would highly recommend Trinity to any and everyone looking to clean up and better manage their credit! A++ from me!

5 years ago

star star star star star

Michelle Lewis Alpharetta, GA

Wonderful, great service very friendly and fast, my credit score was up 100 points in less than 40 days. I will always use Trinity if I need help on my credit. Thanks

5 years ago