Credit Cowboy

Proven Trust. Proven Results.

credit cowboy lasso's bad credit

Credit Cowboy helps you understand your credit, improve what’s holding you back, and position your file for the approval you need. No guesswork, false promises. Just a clear strategy trusted by experts.

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Texas-based consultingNo upfront credit repair feesClear pricing, no surprisesPersonalized funding strategyClient-first, compliance-driven approach

HOW IT WORKS

A Simple, Transparent Process

Free Credit Review

We start with a no-cost credit analysis using a secure credit monitoring platform. You’ll see exactly where you stand.

Personalized Strategy

If consulting makes sense, we create a tailored plan based on your credit profile and funding goals — personal or business.

CREDIT IMPROVEMENT

We guide you through legally compliant credit consulting and dispute strategies designed to remove inaccurate, outdated, or unverifiable items.

APPROVAL READINESS

As your profile improves, we help position you for funding opportunities — not hypotheticals, but realistic next steps.

FOCUSED ON APPROVALS

Credit is the foundation of many businesses. Most people are denied deals not because they do not earn enough – but because their credit profile is not positioned correctly. Credit Cowboy repairs your credit by focusing on:

This is how we get you approved for deals.

WHO WE HELP

Who credit cowboy is for

01

Individuals rebuilding personal credit

02

Home Applicants

03

Business Funding Applicants

04

Clients Who Can’t Get Results

If your goal is clarity and progress — we’re built for you.

WHAT WE HELP WITH

Credit Problems We Address

Inquiries impacting your score

Collections & charge-offs

Late payments & reporting errors

Repossessions & bankruptcies

Thin or damaged credit files

Every plan is based on what’s actually reporting — not a one-size-fits-all program.

TRANSPARENCY

Clear, Honest Pricing

We believe clients should understand costs before committing.Credit analysis is always free

Built on Compliance & Integrity

Credit Cowboy operates within federal and state regulations. We do not guarantee score increases or funding approvals.

What we do guarantee:

Your trust matters more than hype.

Frequently Asked

How long does it take to improve my credit?

It depends on what’s on your credit report. Factors like recent inquiries, collections, charge-offs, bankruptcies, and repossessions all affect timelines. Some clients see measurable improvements within 30–60 days, while more complex profiles may take longer. Our goal is the fastest responsible path based on your specific file.

What does credit repair cost?

Your initial credit analysis is free. If consulting is recommended, we offer clear, flat-rate pricing based on the complexity of your credit file. There are no subscriptions, no hidden fees, and no surprises.

I need credit repair to qualify for a home loan — do you help with that?

Yes. That’s our specialty. Most of our clients are referred by realtors, lenders, and mortgage brokers. With your permission, we can work alongside your lender to help align credit improvements with underwriting requirements and timelines.

How much funding will I be approved for?

Funding approvals depend on multiple factors, including your credit profile, income, existing debt, and lender criteria. We don’t estimate funding amounts until your file is reviewed and properly positioned. Our role is to prepare your profile so you’re applying from the strongest possible position.

How much does business funding cost?

For business funding readiness, we charge:

$999 for business credit and funding file preparation
$5,000 flat success fee for funding placements

If funding is under $50,000, the fee is reduced to $3,000

All fees are clearly disclosed upfront.

Do you offer guarantees?

No. Credit scores, mortgage approvals, and funding decisions are controlled by lenders and credit bureaus, not consultants. Any company guaranteeing results should be viewed with caution. What we do guarantee is transparency, compliance, and an honest strategy based on your real situation.

Is this process legal and compliant?

Yes. Texas Funding operates within federal and state regulations, including the Fair Credit Reporting Act (FCRA). We only dispute inaccurate, outdated, or unverifiable information and follow lender-safe, compliance-first practices.

Ready to See Your Options?

Your next step is simple — and free.