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Best Credit Repair Companies in Cary, NC

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cary Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

Cary, NC Rating

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

  • Money Back Guarantee
  • Credit Restoration
  • Credit Audit
  • Credit Repair
  • Credit building
Lexington Law logo


Cary, NC
Free Credit Report Consultation Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Consumer Credit Services
  • Credit Repair

4801 Glenwood Avenue, Raleigh, NC 27612 Rating

Review Sources

5.0 (9)
5.0 (1)

Why choose this provider?

Climax X LLC is a credit repair firm serving Cary and the surrounding areas. It specializes in analyzing credit reports, offering clients various avenues to challenge negative items. Among the credit issues it addresses are charge-offs, student loans, late payments, bankruptcies, foreclosures, and repossessions. Its specialists conduct credit analyses and provide personalized credit recommendations. They also offer credit consultations and strategic education to assist clients in understanding their credit situations and learning how to effectively handle them. The company has been in operation since 2020.

  • Financial Education
  • Debt Counseling
  • North Carolina Credit Repair

4801 Glenwood Avenue, Raleigh, NC 27612 Rating

Why choose this provider?

Starlight Credit Repair LLC is a company with over six years of experience in credit restoration. Serving clients in Cary, it works directly with the three credit bureaus and creditors to dispute the inaccuracies and unverified items that affect credit scores. Its team handles many items, including personal information, bankruptcies, student loans, late payments, and collection accounts. The company provides personalized strategies after the consultation process to help individuals get an auto loan, refinancing, or purchase a home.

  • Credit Dispute

5874 Faringdon Place, Raleigh, NC 27609 Rating

Review Sources

5.0 (17)
5.0 (3)

Why choose this provider?

Clean Slate Credit & Tax Service, LLC, is a credit repair company serving Cary and its surrounding metros. Its services include credit repair, credit rebuild, and credit score restoration. Its team guides its clients throughout the process, from auditing and reviewing their credit profiles to debt settlement. The company has extensive knowledge of laws that regulate credit bureaus and has experience dealing with credit and collector disputes. It has completed over 256 credit repair projects and helped more than 128 clients rebuild their credit.

  • Credit Monitoring

5075 Morganton Rd STE 10C #1132, Fayetteville, NC 28314 Rating

Review Sources

5.0 (18)
5.0 (14)

Why choose this provider?

Reliable Credit Repair is a full-service credit repair agency in Cary, which aims to help clients improve their credit scores and financial status. Founded and led by Brittnee Harris, the firm offers personalized credit help by disputing and appealing unverifiable negative accounts such as collections, charge-offs, repossessions, collections, and bankruptcies. Aside from repairing credit scores, its credit counselors also educate clients so that they can be more empowered to build and maintain their good credit standing.

  • Credit Monitoring

7 Corporate Center Court, Greensboro, NC 27408 Rating

Review Sources

4.0 (95)
5.0 (28)

Why choose this provider?

Located in Greensboro, Valiant Credit Services is a credit repair company servicing Cary. Its consultants, who have 15 years of industry experience, provide credit report analysis and implement a step-by-step process for improving creditworthiness. The company can remove negative items like late payments, medical bills, student loans, repossessions, bankruptcies, and foreclosures on credit reports. It aims to help clients gain a better financial future through credit education. Valiant Credit Services is a member of the Credit Consultants Association.

  • Debt Consolidation

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Cary, NCFree Credit Evaluation
Lexington Law
Cary, NCFree Credit Report Consultation
Climax X LLC
4801 Glenwood Avenue, Raleigh, NC 27612
Starlight Credit Repair LLC
4801 Glenwood Avenue, Raleigh, NC 27612
Clean Slate Credit & Tax Service, LLC
5874 Faringdon Place, Raleigh, NC 27609
Reliable Credit Repair
5075 Morganton Rd STE 10C #1132, Fayetteville, NC 28314
Valiant Credit Services
7 Corporate Center Court, Greensboro, NC 27408


  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    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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