Houston · Katy · Cypress · Sugar Land · Pearland · The Woodlands

Houston Credit Restoration for Households Ready to Move Forward

FIG Restoration is a household-based credit strategy firm serving Houston families since 2017. Moncy Hawkins, CFEI, has lived in Katy and Cypress. She knows this city, and she builds a structured plan to rebuild credit so your household can buy a home, qualify for financing, and finally get stable.

Book My Credit Strategy Session — $97

✓ 45 minutes, one-on-one ✓ Full 3-bureau review ✓ Bring your partner free ✓ Fee applied toward enrollment

You have the right to improve your credit yourself. Hiring a credit service is optional and not required.

The Truth About Credit Repair

You've Tried to Fix It. The Problem Was Never Effort.

Most Houston households who come to us have already tried. They disputed items online. They paid a company that mailed letters for months. They paid off a collection and watched their score barely move.

Credit doesn't respond to effort. It responds to structure. The order you pay things, which accounts you keep open, and when you apply all matter. Without a plan, even good decisions can set you back.

That is why FIG Restoration is not a credit repair company. We are a household credit strategy firm. We look at your whole household, your goals, and your timeline, then build the plan around them.

Where We Serve

Serving Houston and Every Surrounding Community

From the Energy Corridor to the suburbs, FIG Restoration works with households across Greater Houston.

Houston · Katy · Cypress · Sugar Land · Pearland · The Woodlands · Spring · Humble · Missouri City · Richmond · Tomball · Pasadena · League City · Conroe

Every session is held by phone or virtually, so where you live never limits the service you get. We serve households nationwide, too.

Trusted Across Houston

The Professionals Who Refer Houston Families to FIG

Houston professionals send us the households they serve because our plans are structured, compliant, and built to last.

Mortgage Lenders & Loan Officers

Borrowers at every stage who need a clear, structured path to mortgage approval.

Realtors & Title Companies

Future homeowners who are ready to start the journey and need their credit prepared before they shop.

Community Lenders, CDFIs & Banks

Borrowers who need structure before they can qualify for financing.

Small Business Organizations

Entrepreneurs whose personal credit stands between them and business funding.

Churches & Ministries

Members and leaders who want stewardship to show up in their household finances.

Workforce & Financial Literacy Programs

Participants rebuilding after hardship who need a plan they can follow.

How We Get You There

The FIG Restoration Method™

Every Houston household moves through the same five stages, at the pace its situation requires.

Recovery → Awareness → Readiness → Restoration → Establishment
We don't just fix credit. We establish households.

Real Results

From 560 to House Hunting in Six Months

“She is a master of her craft and she really cares about families. Our scores went from 560 to 720 in 6 months. Now we are house hunting!”

S.S. · ★★★★★ · Verified Google Review

*Results vary based on individual credit history, participation, and creditor responses. No specific outcomes or timelines are guaranteed.

Houston Credit Questions

Questions Houston Families Ask Us

How much does credit restoration cost in Houston?

Every household starts with a $97 Credit Strategy Session, a 45-minute, one-on-one review of all three credit bureaus. You can bring your partner at no extra cost. If we both agree to move forward, the $97 is applied toward enrollment in the Family Credit Restoration Program.

How long does it take to rebuild credit?

FIG works aggressively and strategically. Some clients see progress in 30 to 45 days, others in 6 months to a year. Every plan is built specifically around your household.

Do I have to meet in person?

No. Every session is held by phone or virtually, so it fits your schedule whether you're in Katy, Cypress, Pearland, or across the country.

Can you remove negative items from my credit report?

We address every item on your report strategically and lawfully. No honest firm can promise to delete accurate information, and anyone who does should be a red flag. What we promise is structure: a clear plan for every account on your report.

Is FIG Restoration legitimate?

Yes. FIG Restoration is a Texas-registered and bonded household credit strategy firm, operating since 2017 with 50+ five-star reviews. It is led by Moncy Hawkins, CFEI, a Certified Financial Education Instructor and Board Certified Credit Consultant.

Your Houston Household Deserves a Real Plan

Structure changes everything. Start with a Credit Strategy Session and leave with clarity and a real next step.