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Up My Score

791 N Hwy 77 Ste 501-C PMB 315
Waxahachie, TX 75165
(888) 668-4426


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Up My Score is a small sized credit repair company in Texas.  While this company appears to be reputable as they are bonded and registered with the Texas Secretary of State there are some issues.  The major issue is that the company's actual registered name is Horizons Unimited Group which from their website appears to be a marketing company.  When you go to their website, though, none of the links work.  We are unsure why this is and what involvement or how connected the two entities are.  This would definetly be something to bring up if you are consulting with Up My Score. 

  • Results:  Up My Score has no posted any testimonials or copies of real deletion results on their website for you to browse and gauge.  While it is impossible to verify any testimonial it is odd when a company doesn't have any posted.  Have they been unable to generate any positive feedback from their clients? 

  • Experience:  The experience of Up My Score is hard to determine.  The company as Horizons Unlimited Group has been in business since 1990 but we do not know exactly how long they have been doing credit repair as Up My Score.  We can also find no information on the credit experience of the ownership or company directors.  We have found that when a company has a strong history of experience in the credit or lending industries it will be something they promote on their website and we are not seeing any of that here.
  • Types of Programs Offered  Up My Score offers 3 credit repair plans.  Each plan offers disputing and help with establishing new credit.  The more expensive plans also offer more credit education and administrative work.
  • Pricing and Value:  The Standard plan is $49 a month, the Express plan is $95 a month, and the Elite Plan is $195 a month.  Each plan offers disputing and help establishing new credit lines.  The more expensive plans offer more education and administrative work.  
  • Guarantee: The Up My Score website has no mention of them having a money back guarantee.  This does not mean that they do not have one but if they do they are not wishing to advertise it.  Generally, when a company is confident in their results they will offer and promote a customer friendly money back guarantee.
  • Reputation/Reviews When searching for customer reviews for Up My Score online ther were none to be found.  When searching for Horizons Unlimited Group we were able to find a few compaliants.  The complaints were very general and we are unable to know if they were in regards to credit repair or just Horizons as a marketing company.
  • Time of Program:  The website for Up My Score does not specify any details to the timing or terms on the website.  We do know that in Texas a company may only charge service fees for six months.
  • Website Security:  180 Credit Solutions does not have the ability to sign up through their website so web security is not an issue. 
  •  Compliance:  Without seeing their agreement it is tough to tell if they are in compliance with state and federal laws.

If you are looking at enrolling with Up My Score it is important that you do all your research. We highly recommend looking into our top companies before moving forward with any company. 

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