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Best Credit Repair Companies in Columbia

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Clear Credit logo

Clear Credit

210 Broad Street, Sumter, SC 29150
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  • Credit Audit
  • Credit Dispute

Clear Credit has been serving the credit repair needs of Columbia and its surrounding metros for over 18 years. It follows a complete process of eliminating derogatory information on credit accounts, beginning with investigating its clients' credit histories and disputing inaccurate information with Transunion, Experian, and Equifax credit agencies. Its specialists handle tax liens, student loans, repossessions, and charge-offs that affect FICO credit scores. Its founder, Michael Lovett, has over 20 years of experience as a financial director.

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Credit Is The Future logo

Credit Is The Future

5937 Two Notch Road, Columbia, SC 29223
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  • Credit Dispute

Credit Is The Future is a credit repair company in Columbia specializing in disputing incomplete, inaccurate, and outdated information in clients' credit reports. Some of its services are credit repair programs, credit analysis, and credit builder programs. The company's specialists also focus on credit education involving credit laws and home buying programs for those seeking to buy their dream homes. Credit Is The Future provides secured credit card offers to rebuild customers' credits.

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Gibbs Financial Fitness logo

Gibbs Financial Fitness

1320 Main Street, Columbia, SC 29201
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  • Credit Monitoring
  • Credit Repair
  • Credit Audit

Gibbs Financial Fitness, LLC, is a consumer financial services company that serves clients nationwide with a home base of Columbia, SC and surrounding areas. It provides a wide range of services that include credit consulting, financial coaching, student loan services, and small business services. The company also offers information resources related to financial literacy, including the books Financial Literacy Decoded and How to Architect Your Kids' Financial IQ. Owner Rachel Gibbs established the company in 2016 with the aim of promoting financial literacy in underserved communities.

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Masters Credit Consultants logo

Masters Credit Consultants

222 East Blackstock Road, Columbia, SC 29301
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Master's Credit Consultants offers credit repair programs to clients in Columbia and other surrounding areas. It analyzes its clients' unique financial situations and helps create customized credit rebuilding plans that aim to improve credit scores. The company also helps military personnel and veterans maintain good credit and utilizes financial institutions that specialize in veteran lending. In addition, the company's owner, Joseph Wallace, has guested on Fox News Carolina and other shows where he gave advice on how to improve credit scores.

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Redd Credit Repair logo

Redd Credit Repair

136 Forum Drive, Columbia, SC 29229
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  • Debt Consolidation

Redd Credit Repair is a credit improvement company that provides credit repair services and credit score education to individuals in Columbia. It helps customers restore their credits, rebuild them, and raise credit scores. During the credit repair process, it assists clients in removing and correcting inaccurate charge-offs, tax liens, bankruptcies, repossessions, and foreclosures. It also helps fix wrong personal information in credit reports and identity theft issues. The company's specialist, Linda Burnett, focuses on educating her clients on money management and budgeting.

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Zorro Credit Repair Columbia logo

Zorro Credit Repair Columbia

1201 Main Street, Columbia, SC 29201
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  • Debt Consolidation

Established in 2004, Zorro Credit is a credit repair company based in Columbia. Present in various major cities in the U.S, the firm has assisted more than 14,000 clients in recovering their credit health. Moreover, its advisors provide monthly credit improvement and score monitoring. The company’s services resolve financial issues such as foreclosure, tax lien, bankruptcy, charge-off, and late payments. Zorro Credit has received positive customer reviews, including one that commended it for enabling them to get a rate of 2% on their car loan.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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