Its Time - Credit Repair LLC.

Located in Houston, Texas

Address: 12210 Montwood Dr #111, El Paso, TX 79928, United States

Phone: +1 915-857-3700

Rating: 4.1

Services

Online appointments
On-site services
Language assistance
Wheelchair-accessible car park
Wheelchair-accessible entrance
Wheelchair-accessible seating
Wheelchair-accessible toilet
Gender-neutral toilets
Toilets
LGBTQ+ friendly
Transgender safe space

Photos

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Comments

Review 1 (2025-02-22 - Rating: 5)
I want to thank Liz and her team. We are extremely thankful for the professional assistance given to my husband and myself. We had a very good experience. They were very easy to communicate with and did a good job in settling our debt. I would definitely recommend them to anyone needing help with debt settlement.

Review 2 (2025-02-07 - Rating: 5)
I can’t recommend It’s Time Credit Repair enough! They genuinely care about helping people, not just fixing numbers on a report. They took the time to explain everything to me, broke down exactly what was hurting my credit, and gave me a clear plan to build it up the right way. I started seeing real results, and now I actually understand how to maintain good credit for the long run. If you’re serious about improving your financial future, this is the team you want in your corner!

Review 3 (2025-02-22 - Rating: 5)
They provide outstanding customer service, and they thoroughly described your report and the procedure. Strongly advised. Gaytan, Eli had offered excellent customer service and assisted myself and my mom with any inquiries.

Review 4 (2025-02-07 - Rating: 5)
It’s time credit is the best place to go for your credit consultation/ Repair in El Paso. Staff is really Friendly , helpful, and Respectful. Carlos is very patient and sets a very well thought out plan to help you achieve your goals. Carlos has helped myself, Friends, and family. I will continue to refer people.

Review 5 (2025-02-06 - Rating: 5)
Awesome experience with them. Liz helped me out and my credit has gone up. Big difference. Will be going back but with fiance now. For that assitance to buy a home now 🫶🏻

Review 6 (2025-02-21 - Rating: 5)
Its time credit repair is great! As long as you follow the instructions how they tell you it will be well worth it!

Review 7 (2025-02-07 - Rating: 5)
They offer great service, excellent customer service and they explained everything about your report and how the process works. Highly recommend.

Review 8 (2024-05-30 - Rating: 4)
I had the pleasure of Liz helping me with my credit repair she did the best she could. I loved her work but I do with I had more luck with building my credit after it’s done. She definitely had her work cut out for her with my credit. Took off so much and I do like how they give you a payment plan. Overall it was a good experience. I have not checked what exactly was removed tbh. But last time I tried for credit it told me I had way too many delinquent accounts. So Iam a bit confused why is this showing up

Review 9 (2025-02-14 - Rating: 5)
Great staff!!! Always positive with great energy helping out with any concern i had!!! Highly recommended 👌🏿

Review 10 (2024-08-10 - Rating: 5)
Best decision I made I made in my life. Liz help me fix my credit and help me get my House and my two cars. Thank so much for very thing you guys did fixing my credit

Review 11 (2024-05-21 - Rating: 4)
I like the fact that they have a payment plan. Also they take the time to go over every single account on your credit account and explain how it can help you or how it is damaging your credit. They follow up with you every 2 months which is nice since other companies just take your money and ghost you.

Review 12 (2024-05-31 - Rating: 5)
Carlos Payan was very helpful and explained to me in detail how their services will help me with my credit score. He was extremely patient and went over every single detail with me. I definitely recommend their service!

Review 13 (2024-05-30 - Rating: 5)
Its Time Credit Repair was very helpful to me they help me restore my credit I continue to have excellent credit. They were very friendly and respectful and very knowledgeable in the matter. I recommend Its Time Credit Repair to everyone they will change your credit world.

Review 14 (2024-06-01 - Rating: 5)
Friendly staff.. Lorenzo was very helpful thru the entire process. Answered all my questions and very professional. My credit increased un a few months. I really recommend Credit Repair.. They did an amazing job...

Review 15 (2024-06-21 - Rating: 5)
It’s time credit repair delivers the best customer service. All your questions are answered and they do not leave you wondering. I recommend getting in touch with them if you want to get started on fixing your credit.

Review 16 (2023-10-01 - Rating: 5)
You guys did it!!! Every single item was removed from my report. I, on my end need to keep up with paying my cards. but THEY did so much to help me. I never thought I would see my report clean. I can finally move forward with all of my plans. Thank you from my husband and I. Liz, you are amazing. Staff thank you so so much.

Review 17 (2024-05-30 - Rating: 5)
They informed me very well and very knowledgeable in regards to credit bureaus. I walked out with a leave of mind and comfortable knowing my credit is getting worked on professionally.

Review 18 (2022-08-15 - Rating: 5)
Wife and I made an appt a couple months ago, best decision ever since we had results after the first follow up consultation! Team is professional as well as courteous. Our only mistake has been taking so long to think about it instead of just getting it done. Pricing for a couple is not expensive considering the time frame and effort taken from their office to get it done. Recommend this business, 100% of the way

Review 19 (2023-06-11 - Rating: 4)
Went to see what my options were in fixing my credit.. I was kind of hesitant when walking into the place. I was help by a gentleman by the name of Lorenzo V. I came out feeling good by what Lorenzo had offered. Now we have to just wait and see the outcome in a few months but I will post it and hope for the best..

Review 20 (2025-02-15 - Rating: 5)
Great service great staff I fully recommend it

Review 21 (2021-03-03 - Rating: 5)
Got great results after using this service! I went from bad credit, being denied internet service without a down payment to browsing for a vehicle and getting approved the very same day, no co-signer needed. I would highly recommend them to anyone that is in need of credit repair !! Pay the staff at It’s Time Credit Repair a visit and you won’t be disappointed. They are highly knowledgeable and give you the utmost professional advice to get your credit where it needs to be.

Review 22 (2020-04-23 - Rating: 5)
My friend recommended this place to me since they had helped her. I was skeptical but went in anyways. They set up a plan that would best fit me n the help I needed. Daniel Martinez really went out of his way to improve my score n eliminate any negative factors on my report. All staff was always friendly n welcoming. I am now done with the program and very happy with the results. I highly recommend them.

Review 23 (2024-05-20 - Rating: 5)
This was one of the greatest decisions Ive ever made in my life. I just wish Ive done it sooner ...Thank you Mr Carlos and great staff at ..Its Time Credit Repair ..

Review 24 (2024-06-24 - Rating: 5)
Good customer service, Elizabeth was very friendly and willing to help. Her professional opinion was so much needed.

Review 25 (2017-05-12 - Rating: 5)
Im deeply thankful with Its time Credit Repair and their awesome staff! I thought that having my own house was impossible for me until I reached out to them. It would have taken me years before I would have been able to own my home. I deeply recommend their services for any kind of credit needs! Keep the good job guys!

Review 26 (2023-05-10 - Rating: 5)
They helped me clear my debt and in the process I was finally able to buy my home for myself and daughters. The offer great service and are very efficient. I am so greatful for everything. Hands down best experience!

Review 27 (2022-05-06 - Rating: 5)
It’s Time Credit Repair is the best of the best! I have personally worked with Liz and she provides excellent customer service. I love how attentive she is and the way she educates me on any of my credit needs.

Review 28 (2017-08-26 - Rating: 5)
Amazing experience!!! I never thought I would be able to have good credit but ever since Mr. Carlos helped me, Ive approved for so much and was finally able to get my house!! 🙌🏼🤗 He does the disputes in cycles and with the very first cycle he was able to knock off a judgement that I had against me!!! Well worth the money spent to repair my credit, especially compared to amount I was in debt!🙌🏼🙏🏼Thank you so much Mr. Carlos!!!!!!!!!!

Review 29 (2017-05-13 - Rating: 5)
Great company to work with when looking to repair your credit. My score has improved by over 200 points. Reasonable pricing allows you to restore your credit in a short amount of time. Thank you to Carlos and his staff.

Review 30 (2017-07-11 - Rating: 5)
Its Time Credit Repair was great. Before I went with Mr. Carlos, my credit was bad I couldnt get any help. but Mr. Carlos helped me out and I got my house and my credit score went up and it has been great. If you are looking for help to buy a house or just get your credit score up, go see him now.

Review 31 (2017-05-27 - Rating: 5)
I was referred to this business by a friend who also had a good experience with Mr. Payan. I had terrible credit problem.. my credit was a low 500.. after a some months of Working with Mr Payan with cleaning out my credit, I couldnt believe that my score was actually going up! He really works with you and always has a solution to every problem. Its been a year and I can finally say I own a home. You get what you put in and This credit repair business does just that. Definitely recommend!

Review 32 (2022-10-10 - Rating: 5)
I am going through some hard times right now my credit was wasnt good its been 2 months later I have shot it up to 650 I recommend its time credit repair they are very professional. And they explained the process of getting your credit up to at least 750 thats my goal thank you again

Review 33 (2017-05-13 - Rating: 5)
I am satisfied with Its time credit repair. They are the best!!! Mr. Payan not only helped me fix my credit but also change my life. I finally got my brand new car with a low intrest plus my credit cards. Now i have good credit thanks to its time credit repair!!

Review 34 (2021-09-23 - Rating: 5)
Extremely happy, this is the best choice I’ve made for my family and I. Mr. Payan is the best at what he does. He is very professional and help you understand what is going on with your credit and explains in full detail on how he going to fight for your goals. Highly recommend!

Review 35 (2017-05-30 - Rating: 5)
Great experience! Super friendly and knowledgeable staff. My credit score increased over 200 points in months! I would highly recommend them to anyone looking to improve their credit score. They are the best around town.

Review 36 (2025-02-16 - Rating: 5)
Great customer service and positive results.

Review 37 (2017-05-12 - Rating: 5)
Carlos is the best. He not only fixed my credit but my brothers as well. which has changed our lives for ever and for that i cannot start to repay you. Of course like anything you have to follow his plan to a tee and you will see results. Everytime i had a question he and his friendly staff where there to help put me at ease and guide me or my brother.thanks again carlos

Review 38 (2021-06-18 - Rating: 5)
When i went to Its Time Credit Repair the staff was very friendly and helped me right away! They helped me so much with my credit and i don’t know what I would’ve done without the guidance of these lovely people. Thank you for all the help!!Great service!! Friendly staff!!

Review 39 (2017-05-12 - Rating: 5)
Prior to contacting Mr.Payan,I had a very difficult time getting approved for anything. When purchasing a vehicle I was often denied or offered outrageous interest rates. Mr. Payan explained in detail what was affecting my credit and what they could do to help me. Provided great customer service,answered all my questions,and always updated me on the progress. Thanks to Its Time and Mr.Payan I was able to get not only myself a new vehicle and my wife, but was also able to negotiate my monthly payments and received awesome interests rates. Hands down one of the best decisions Ive ever made. Thank you.

Review 40 (2021-09-23 - Rating: 5)
EXCELLENT place to go to . Very helpful and friendly staff. Wether your trying to buy a car, house or simply repair your credit ; you name it . They will go above and beyond to meet customer goal and satisfaction. I have referred many friends and acquaintances and they have all been happy with the results .

Review 41 (2024-06-13 - Rating: 5)
Carlos shared a lot of knowledge with us and was honest about everything. Highly recommended!

Review 42 (2024-05-31 - Rating: 5)
It’s Time credit really works!! We’ve been happy with its service and Carlos nothing but outstanding customer service! Thank you!

Review 43 (2022-04-06 - Rating: 5)
Eva and Carlos were very helpful and insightful. They helped me quickly find my credit score, and told me my best option to improve it.I highly recommend them.

Review 44 (2017-07-11 - Rating: 5)
Absolutely love Its time credit repair. I moved from El Paso to Austin while in the process and their team was able to handle my credit score while in a different city. Thanks for helping me raise my credit score!

Review 45 (2023-06-13 - Rating: 5)
Great service I spoke with Liz and she answered all my questions, I can’t wait to work with them once I get myself in a better situation! Thank you Liz amazing customer service - Jessica

Review 46 (2018-09-29 - Rating: 5)
I was in the low 400s and in a period of less than 5 months I saw an increase of 140. Surprisingly by following my counselors advice and guidance I can see the changes on my credit, I would definitely recommend to everyone

Review 47 (2022-06-29 - Rating: 5)
I am so thankful for Its Time- Credit Repair. Thanks to them I was given the best advice to fix my credit. I am definitely spreading the word that that are the best at what they do!

Review 48 (2022-04-04 - Rating: 5)
Been working with Liz for about 2 months now and she’s helped me accomplish what I thought would take me over a year to reach! They know what they are doing

Review 49 (2021-09-23 - Rating: 5)
Excelente and professional help. I recommend It’s Time Credit Repair 100 percent, they take you step by step in whatever your situation is and the best results.

Review 50 (2019-04-12 - Rating: 5)
Great place to get your credit repaired. Danny Martinez is very knowledgeable and helped me get to my goal in less than a year. I highly recommend them.

Review 51 (2024-06-25 - Rating: 5)
Very good service professional and very clear . Also they answer all your questions with patience

Review 52 (2024-05-30 - Rating: 5)
THEY DID AN AWESOME JOB ON HELPING ME WITH MY CREDIT. VERY RECOMMENDED

Review 53 (2025-02-15 - Rating: 5)
Great customer service!

Review 54 (2025-02-07 - Rating: 5)
Very helpful and professionals!!

Review 55 (2017-05-12 - Rating: 5)
Looking to get your dream house, dream car, Its Time Credit Repair is the place to go! They will help you out in achieving your goals!

Review 56 (2017-05-09 - Rating: 5)
I was looking to repair my credit and Carlos Payan was a true professional, he delivered what I expected my scores went up and I was able to purchase my new home.

Review 57 (2022-05-05 - Rating: 5)
First consultation was FREE and they are very knowledgeable. Now my scores are at 680.

Review 58 (2024-09-25 - Rating: 5)
Awesome staff very helpful definitely recommend this business

Review 59 (2024-05-20 - Rating: 5)
Very good and very informative will recommend to friends and family

Review 60 (2019-08-22 - Rating: 5)
Highly recommend this place to get your credit fixed, great staff and Very professional!

Review 61 (2024-06-27 - Rating: 5)
AWSOME SERVICE LIZ IS REALLY HELPFULL

Review 62 (2017-05-10 - Rating: 5)
Youve got to trust the system to work and youve got to put into the work and if you do, it will work.. its time credit repair works and I trust its service it provides.

Review 63 (2023-10-13 - Rating: 5)
Very friendly and helpful person thank you Liz tinajero….

Review 64 (2023-06-21 - Rating: 5)
I had a Great experience! Thank you Liz

Review 65 (2024-06-25 - Rating: 5)
Very nice and helpful. 10/10

Review 66 (2024-05-31 - Rating: 5)
Great staffs and great customer relationship.

Review 67 (2019-09-19 - Rating: 5)
Great customer service and great results! Highly recommend!

Review 68 (2024-05-21 - Rating: 5)
Very good services

Review 69 (2024-05-24 - Rating: 5)
Great

Review 70 (2022-06-08 - Rating: 5)
My score has increased tremendously!

Review 71 (2022-05-05 - Rating: 5)
Excellent Service 10/10

Review 72 (2025-02-22 - Rating: 5)
Services highly recommended

Review 73 (2025-02-22 - Rating: 5)
Excellent treatment, detailed and professional consultation.

Review 74 (2022-05-09 - Rating: 5)
Thank you very much and very grateful to It’s Time Credit Repair. Excellent service for professions. Thanks to them I was able to get my house and months later my car. It has been the best decision I could have made to restore my credit.

Review 75 (2024-05-30 - Rating: 5)
Very friendly, it is a very good place to fix credit, I feel that they care about helping the client here, super good results!!!

Review 76 (2024-05-30 - Rating: 5)
Very good service, super friendly, it seems that here they do care about helping the customer, super recommended!!!

Review 77 (2024-06-13 - Rating: 5)
My experience is very good, my credit has been good and it has gone up a lot

Review 78 (2023-06-17 - Rating: 5)
They are all very good people and kind, they are professional in their work, personally they helped me a lot with my credit, thank you for everything 👍

Review 79 (2024-05-31 - Rating: 5)
Kindness speaks to you to remind you of appointments they return your calls

Review 80 (2017-05-26 - Rating: 5)
Excellent place, very friendly, they answered all my questions with professionalism and most importantly helped me raise my credit points. I recommend them 100%