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Best Credit Repair Companies in Durham, 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 Durham 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
Lexington Law logo


Durham, 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

Durham, NC Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Durham? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

4801 Glenwood Avenue, Raleigh, NC 27612 Rating

Review Sources

5.0 (21)
5.0 (11)

Why choose this provider?

Climax X LLC delivers credit repair solutions in and around Durham. It offers personalized credit analysis and tailored repair plans to individuals and businesses seeking to dispute inaccuracies and improve their credit scores. It also provides strategic education to help clients understand their credit situations and give advice on how to manage them. It offers continuous support, from credit counseling to business solutions, helping clients take control of their credit journey and leverage financial prospects. The firm has been operating since 2020.

  • North Carolina Credit Repair
  • Credit Repair
  • Credit Management

3600 North Duke Street, Durham, NC 27704

Why choose this provider?

Express Life Education is a family-owned business providing credit repair services in Durham. Clients who need help restoring credit may request a credit review on their website and apply to start the process. The company's "Stay Program" gives financially challenged customers access to its services. Express Life Education's other programs include life coaching, wealth planning, economic development, computer training, entrepreneurship, and financial literacy. It also offers assistance with life insurance, living will, and home purchase.

  • Credit Monitoring

1000 Centregreen Way, Cary, NC 27513 Rating

Review Sources

4.8 (25)
5.0 (25)

Why choose this provider?

EJC Credit Solutions LLC offers credit repair services to clients in Durham and surrounding communities. Its team of case analysts and case advisors works to improve clients' creditworthiness by providing dispute options. The company also submits personalized dispute letters to credit bureaus and creditors on clients' behalf. Clients have access to the status of their case 24/7. Other services offered by EJC Credit Solutions LLC include tax liens, repossessions, medical bills, and credit card debt.

  • Credit Dispute

2500 Regency Parkway, Cary, NC 27518 Rating

Review Sources

5.0 (15)
4.0 (10)

Why choose this provider?

Optics Financial Services is a veteran-owned credit repair company serving Durham and surrounding communities. It assists individuals in fixing their credit history by clearing inaccuracies that affect their scores. Its team can detect a wide range of items including tax liens, medical bills, duplicates, short sales, and identity theft. The process includes a credit report evaluation to assist clients in rebuilding and restoring their credit. The company directly deals with debt collectors and executes debt settlement processes if needed.

  • Debt Consolidation

4801 Glenwood Avenue, Raleigh, NC 27612 Rating

Why choose this provider?

Starlight Credit Repair LLC is a company that has been in the credit repair industry for several years. It caters to different clients in Durham and in all 50 states of the United States. Its team of professionals is experienced in various areas such as medical records, collections, inquiries, and late payments. It helps clients in repairing their credit and taking care of their debts by analyzing their credits and using the law to challenge the negative items.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Lexington Law
Durham, NCFree Credit Report Consultation
Climax X LLC - Pioneering Credit Empowerment
4801 Glenwood Avenue, Raleigh, NC 27612
Express Life Education
3600 North Duke Street, Durham, NC 27704
EJC Credit Solutions LLC
1000 Centregreen Way, Cary, NC 27513
Optics Financial Services
2500 Regency Parkway, Cary, NC 27518
Starlight Credit Repair LLC
4801 Glenwood Avenue, Raleigh, NC 27612


  • 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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