Credit Compass Hub maps a clear route from where your credit is today to the loan, home or savings goal you're aiming for, with an Austin advisor beside you at every turn.
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Average score gain
Loans arranged
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Credit scores, loan offers and tax rules can feel like a maze. Since 2012, our Austin advisors have helped students, families and small business owners understand exactly where they stand and what to do next.
We review your credit, compare lenders on your behalf and build a plan you can follow. No jargon, no pressure and no surprise fees.
Every plan starts with your credit profile, so you borrow at better rates, pay less interest and keep more of what you earn.
Fixed-rate personal loans from $2,500 to $50,000 for medical bills, car repairs, moving costs or rolling high-interest card balances into a single payment you can plan around.
Credit-builder loans, secured cards and flexible credit lines that raise your score, cover short gaps and keep your utilization in a healthy range while you rebuild.
Purchase, refinance and cash-out mortgages for Central Texas homebuyers, with credit preparation built in so you reach a better rate tier before you apply.
Goal-based investment plans, retirement accounts and portfolio reviews that put the money you free up from lower interest costs to work for your future.
Tax planning and preparation for individuals, families and small businesses, including withholding checks, deduction reviews and help with IRS letters.
Life, disability, home, auto and umbrella coverage reviews that protect your family and your credit from the financial shock of the unexpected.
A simple, proven path from your first conversation to the result you want.
We pull your reports with a soft inquiry and review your income, debts and goals together.
You get a written plan with clear steps, target dates and the score you're aiming for.
We dispute errors, pay down the right balances first and line up lenders that fit you.
Apply with confidence, close your loan and keep checking in so your score keeps climbing.
Move the sliders to see an estimated rate, monthly payment and debt-to-income ratio, and whether now is the right time to apply.
Estimates for illustration only. Actual rates depend on the lender, your full credit profile and the loan type.
FICO scores weigh five factors. Knowing which ones matter most tells you where to focus first.
Every on-time payment counts. Even one 30-day late payment can cost a strong score up to 100 points.
Keep card balances below 30% of their limits, and below 10% for the best results.
Older accounts help. Think twice before closing your oldest card.
A healthy blend of cards and installment loans shows you can handle different kinds of credit.
Several hard inquiries in a short time can signal risk, except when you rate-shop within 14 to 45 days.
Every rate, fee and lender payment is disclosed in writing before you decide.
Soft inquiries only, until you choose to apply for a specific offer.
The same person follows your plan from first meeting to final payment.
Encrypted document uploads and strict privacy rules protect your data.
I had four store cards at 29% interest. Credit Compass Hub found me one personal loan at less than half that, and I'm on track to be debt-free 18 months sooner.
They found two collection accounts that weren't even mine. Both came off my report within six weeks and my score jumped 61 points.
Our advisor told us to wait three months and pay down one card before applying. That moved us into a better rate tier and saves us about $140 a month.
Once my cards were paid off, they helped me redirect that money into my Roth IRA. Seeing the plan on paper made it feel possible.
I owed the IRS every April. They fixed my withholding and set up quarterly payments for my side business. No more surprises.
They found I had almost no disability coverage, which really scared me once I understood it. Now my income is protected and it costs less than I expected.
Can't find your answer? Call us at +1 512-459-6800 or send a message and an advisor will reply within one business day.
Ask a Question →No. We use a soft inquiry to review your credit, which you can see on your report but lenders can't, and it has no effect on your score. A hard inquiry only happens when you choose to apply for a specific loan.
It depends on what's holding it back. Paying card balances below 30% of their limits can lift a score within one or two billing cycles, while correcting reporting errors usually takes 30 to 45 days. Rebuilding after late payments takes longer, and we map a realistic timeline in your first meeting.
Your first consultation and credit review are free. We explain any fees in writing before you sign up for an ongoing plan, and we never charge for results we haven't delivered, as federal law requires.
Yes. A denial letter tells us which factors held you back. We review it with your credit reports, fix what can be fixed and point you to lenders and products that fit your profile now.
We are advisors with a network of more than 30 banks, credit unions and online lenders. We compare offers for you and earn a disclosed fee from the lender you choose, so you never pay more for using us.
Not at all. Many clients meet us by phone or video. Our King St office near the UT campus is open Monday to Saturday if you prefer to meet in person.
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