Credit Recovery Group

What Credit Recovery Group does

Credit Recovery Group, Inc. (CRG) is a Houston, Texas-based, founder-owned credit repair and restoration firm established in 2006 by Nubia Casler and co-founder Mr. Casler. The company helps individuals, couples, and small businesses remove inaccurate, erroneous, outdated, or unverifiable information from their credit reports via formal disputes with the three major bureaus (Equifax, Experian, TransUnion), debt validation with original creditors and collection agencies, and identity-theft recovery. Service surface extends to specialized offerings including Identity Theft Recovery ($650 setup plus $150/month up to 6 months), Business Credit Consulting, Business Fraud Recovery, and a flat-fee $450 ITIN-to-SSN Transfer service for newly-documented residents. Delivery is bilingual (English and Spanish), with a secure online client portal providing 24/7 status tracking of investigations and dispute correspondence, complemented by phone-based sales and customer service (832-595-2526).

Operationally, CRG runs an in-house credit-improvement process without outsourcing disputes, integrated with the three U.S. credit bureaus through partnerships such as CreditHeroScore. The business model is primarily subscription-based: individual plans at $149–$199 setup plus $99–$125/month, couple plans at $248–$298 setup plus $198–$250/month, with month-to-month terms up to 180 days and no automatic renewal — meaning revenue is recognized as services are performed. Distribution is multi-channel: direct phone sales, self-serve online enrollment, an affiliate referral program, and a dedicated Mortgage/Real Estate Partner Program targeting loan officers, mortgage brokers, and real estate agents (with $30 client referral credits and commission tracking). Compliance posture includes NACSO membership with 100% Quality Assurance certification and Texas Secretary of State registration as a credit services organization.

The firm is privately held, founder-controlled (no external investors, no funding rounds disclosed), and operates with a small team of 1–10 employees, including the owner, a business developer, a marketing coordinator, and a certified credit specialist. Geographic footprint is concentrated in Texas (Houston, San Antonio, El Paso) with marketing reach across the broader Southwest U.S. Revenue, headcount trend, and customer counts are not publicly disclosed; only a 4.5-star Google rating across 19 reviews is available as a public traction signal. CRG maintains adjacent referral integrations with SmartCredit, MyScoreIQ, Advance Funds Network, and SMB Funding, suggesting an emerging ecosystem strategy around its core credit-repair customer.

Name

Credit Recovery Group

Legal name

Credit Recovery Group, Inc.

Website

https://creditrecoverygroup.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

Credit Recovery Group is a Houston-based, founder-owned credit repair firm offering dispute resolution, debt validation, identity-theft recovery, and business credit consulting to individual consumers, couples, and SMBs in Texas, delivered bilingually in English and Spanish via a secure online client portal.

Ownership category

akta.pro rank

Product category

Credit Repair Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industry

Credit Bureau Reporting & Dispute Management Support (FCRA/CRA Ops) (BPAAAEAI)

Keywords

• Credit repair services
• Identity theft recovery
• Business credit consulting
• Debt validation services
• Credit restoration consulting

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Credit Repair Services: Monthly subscription-based credit repair services including unlimited disputes with three major credit bureaus, debt validation, online tracking, and personalized credit consulting. Setup fee plus recurring monthly billing for up to 6-12 months.
2. Identity Theft Recovery: Comprehensive identity theft recovery service including file setup, credit report analysis across all three bureaus, legal guidance, reporting to agencies, and continuous credit monitoring for up to 6 months.
3. ITIN to SSN Transfer: One-time service fee for transferring credit history and tax information from ITIN to newly obtained Social Security Number, including expert consultation, credit bureau communications, and IRS tax reporting.
4. Business Credit Consulting: Corporate credit consulting services for businesses including employee retention programs, personal and business credit enhancement, strategic credit building, and proactive credit monitoring. Custom pricing based on consultation.
5. Affiliate Program Commissions: Referral-based revenue from affiliate partners who refer clients to credit repair services. Affiliates earn commissions for each successful referral that converts to a paying client.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Credit Recovery Group is a Houston-based credit repair and restoration firm that helps individuals and businesses remove inaccurate, erroneous, and outdated information from their credit reports through unlimited disputes with Equifax, Experian, and TransUnion, debt validation, and personalized credit consulting. The firm also offers identity theft recovery, ITIN-to-SSN credit and tax history transfer, business credit consulting, and business fraud recovery services, all delivered through an in-house client portal with bilingual English/Spanish support.

Product overview

Credit Recovery Group is a Houston-based credit repair company offering a comprehensive suite of credit restoration and financial services. The core offerings consist of Credit Repair Services, Identity Theft Recovery, Business Credit Consulting, ITIN to SSN Transfer Services, and Business Fraud Recovery Service. These are delivered through the company's in-house online client portal platform and offered via month-to-month pricing plans for individuals and couples. Additional value-added services include a Mortgage and Real Estate Services Program for industry professionals, an Affiliate Program for referral partners, and a Refer a Friend Program for existing clients. The company operates primarily in Houston, Texas, and serves clients in both English and Spanish.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Credit score improvements of up to 795 points reported in customer testimonials
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• NACSO (National Association of Credit Services Organizations)coreStrategic or Co-development PartnerProud members of NACSO with 100% completed Quality Assurance certification. NACSO is the primary industry association for credit services organizations, providing standards, best practices, and regulatory compliance guidance for credit repair companies.
• Secretary of State of TexascoreOthersRegistered credit repair organization with the Texas Secretary of State, demonstrating regulatory compliance with state laws and regulations governing credit repair services in Texas.
• Cámara de Empresarios LatinosminorStrategic or Co-development PartnerAssociation membership connecting the company with the Latino business community in Houston and surrounding areas.
• HBDC - Houston Business Development CenterminorStrategic or Co-development PartnerPartnership with the Houston Business Development Center for business development resources and support services.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Experian: One of the three national credit bureaus CRG disputes with; also offers credit monitoring, identity protection, and 'Boost' features that automate some dispute/repair-adjacent functions — represents both supplier and competitive threat to CRG's service.
• Credit.com: Consumer credit education, monitoring, and card recommendation platform with affiliated credit repair offerings — competes for the same prospective customer researching credit issues online.
• Credit Karma: Free credit monitoring and score platform owned by Intuit. Not a credit repair service per se, but the dominant consumer-facing credit information brand and a major channel through which prospective customers learn about credit — competes for the same end customer's attention.

Direct peers

• National Credit Federation: Membership-based credit restoration service providing dispute assistance and creditor intervention — comparable subscription-like model and FCRA-based dispute methodology.
• Sky Blue Credit: One of the largest national credit repair firms offering bureau dispute, goodwill, and validation letters on a monthly subscription — directly comparable to CRG's core service model, with similar month-to-month pricing structure and FCRA-based dispute process.
• Ovation Credit Services: Credit repair service with bureau disputes, identity theft protection, and credit monitoring — close parallel to CRG's identity theft recovery add-on and ongoing monitoring offering.
• Lexington Law: Large, attorney-led credit repair firm using FCRA-based dispute and creditor negotiation across all three bureaus — operates the same fundamental service as CRG at greater scale and national footprint, serving as the most visible competitor in the category.
• The Credit Pros: National credit repair and credit-building platform offering bureau disputes, score tracking, and credit-builder loans — overlaps with CRG on dispute management and online portal/24-7 tracking functionality.

Regional players

• Money Management International: Houston-headquartered nonprofit credit counseling and debt management agency. Operates in the same Houston market as CRG but offers counseling/debt-management plans rather than paid dispute services — comparable geography and customer base with different business model.

Emerging players

• SmartCredit (by ConsumerDirect): Credit monitoring and report-management platform that CRG partners with for affiliate referral. Provides consumer-facing credit score and reporting tools that overlap with the portal/24-7 tracking functionality CRG offers clients.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@creditrecoverygroupinc1086
• LinkedInlinkedin.com/company/credit-recovery-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Recovery Group