About Us

Mission Statement

To empower every customer with the opportunity to improve their credit score by leveraging and applying our years of experience, dedication, commitment, integrity, and the highest level of customer satisfaction. Our goal is to help you obtain the lifestyle you deserve.

Our Team

Our team of qualified experts are here to assist you in any way possible. Let us help you reach your goals!

Picture of It's Time Credit Repair Employee Carlos Payan

Francisco Payan

Owner

Picture of It's Time Credit Repair Employee Eva Gomez

Carlos Payan

General Manager

Picture of It's Time Credit Repair Employee Elizabeth Tinajero

Jessica

Assistant

Picture of It's Time Credit Repair Employee Elizabeth Tinajero

Crystal

Assistant Manager

Picture of It's Time Credit Repair Employee Elizabeth Tinajero

Liz

Credit Consultant

Our Promise

We commit to leveraging our years of experience to provide you an excellent customer service experience here at It's Time Credit Repair. We will do everything in our power to help you fix your credit and help you reach your goals!

Let us help you fix your credit!

Give us a call to schedule your FREE in-depth credit consultation

  • 915.857.3700

Testimonials

Here’s what our satisfied customers have to say about our services:

It's always been my dream to have the credit to own my own home. Thanks to It's Time, I am a new home owner

Maria R.

Just wanted to take the time to say thank to mr Carlos for helping my family and I reach our goals. It was a long process but well worth it thank you so much.
You have to follow what he instructs you to do and just trust the process.

Eddie G.

I am amazed that in only a few short months my scores sky rocketed!

Melinda G.

Very knowledgeable in the business they’re in. Great overall customer service!! Will definitely refer them to anyone needing to clean up their credit!!

Sergio G.

It is truly a miracle what It's Time did for me. Thank you!

Daisy H.

My credit score has done a complete turn around since doing business with Its Time Credit Repair. Very satisfied with their work and results!!

Raul G.