• Call Us: (832) 209-7922

3403 West T.C. Jester Blvd., Ste., 438 Houston, Texas 77018

About Noble Credit Consulting LLC

Our Mission

At Noble Credit Consulting LLC, our mission is simple: to empower individuals and families with the knowledge, tools, and strategies to achieve true financial freedom. We believe credit is more than just a score — it’s the key to unlocking opportunities like homeownership, business funding, and generational wealth. That’s why our approach goes beyond “credit repair.” We focus on credit elevation, financial counseling, and lasting transformation.

Meet Our Founder

Raeford Watts – Owner & CEO Certified Financial Counselor

Born and raised in Houston, TX, Raeford Watts founded Noble Credit Consulting LLC with a passion for helping others break free from financial setbacks and build stronger futures.

As a Certified Financial Counselor, credentialed through the National Association of Certified Credit Counselors (NACCC), Raeford provides clients with the highest level of expertise in credit counseling, debt management, and financial planning. His certification demonstrates advanced training in consumer credit, debt relief options, budgeting strategies, and ethical client guidance.

With this foundation, Raeford has expanded Noble Credit Consulting LLC from simple dispute services to a full-service financial consulting firm offering:

  • Credit counseling & coaching
  • Debt settlement partnerships
  • Budgeting & financial planning
  • Homebuyer & business readiness programs

Raeford is also an active member of community organizations, including:

Most Worshipful Prince Hall Grand Lodge of Texas

Heights Ionic Pride Lodge #280

Doric Temple No. 76

These roles reflect his commitment to leadership, mentorship, and service beyond business.

Why “Noble”?

The name Noble represents integrity, excellence, and a higher standard of care. Our motto “A Noble approach to improving your credit” is more than words. It’s a promise to treat each client with dignity, respect, and a genuine commitment to their success.

Our Impact

In just the first two years, Noble Credit Consulting LLC helped clients achieve over $360,000 in deletions and guided countless families toward financial milestones. But the real impact goes deeper:

  • Budgeting & financial planning
  • Entrepreneurs gaining access to business funding
  • Families finding peace of mind and stability

The Noble Difference

When you choose Noble Credit Consulting LLC, you’re not just getting a service — you’re joining a movement toward financial elevation.

Certified Expertise

Work directly with a Certified Financial Counselor, trained through NACCC.

Education First

We teach you how credit works so you stay empowered long-term.

Holistic Approach

From disputes to debt relief, we cover every angle of your financial journey.

Community Focused

We believe in building generational wealth within our communities.

Let’s Build Your Future Together

Your story isn’t defined by your past credit challenges — it’s shaped by the actions you take today.

We’re here to guide you every step of the way.

Contact us today

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Frequently Asked Questions

Q: How is this different from regular “credit repair”?
Most credit repair companies only send dispute letters and keep you on monthly billing with no end in sight. The Noble Credit Elevation Program is different — it combines 8 months of disputes, financial coaching, and a personalized credit roadmap in a one-time investment. You don’t just get items challenged — you learn how to elevate and maintain your credit for life.
The program includes 8 months of dispute work, along with coaching sessions and progress reviews during that time. Depending on the package you choose, coaching support can extend further, but all clients complete disputes within 8 months.
A: No. This is a one-time investment program. We don’t believe in endless billing cycles. You’ll know exactly what you’re paying upfront.
A: We use SmartCredit as our monitoring platform. It allows us to securely view your credit reports and scores, track updates as disputes are processed, and keep your elevation plan on track. You’ll also have your own login so you can check your progress anytime. There is a small monthly fee for SmartCredit (paid directly to them), which is separate from your program investment.

A: Every situation is unique, but many clients see noticeable improvements in as little as 30–60 days. Results depend on factors like your credit history, accuracy of reporting, and how consistently you follow your personalized roadmap.

A: Each month, we prepare and mail customized dispute letters to credit bureaus and/or creditors on your behalf. These letters challenge inaccurate, outdated, or unfair items on your credit report. With SmartCredit monitoring, you and our team can track updates in real-time. 

A: Yes. Coaching is a key part of the program. We help you build a realistic budget, improve credit utilization, and establish healthy financial habits that support your credit elevation long-term.

A: If you’re facing overwhelming debt, we can connect you with our trusted debt settlement partner who specializes in negotiating balances. This service is separate from your credit elevation program, but they work well together. 

A: Yes! We offer a spouse/partner add-on so you both can work on credit elevation together. It’s discounted compared to purchasing two full programs separately.

A: We guarantee we’ll provide disputes, coaching, and resources exactly as promised. However, no company can legally guarantee specific credit score outcomes. What we can promise is that we’ll equip you with tools, knowledge, and support to give you the best chance at success.

A: It’s simple — click Start Your Journey to schedule a consultation. We’ll review your credit report through SmartCredit, discuss your goals, and help you choose the right program level.