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Best Credit Repair Companies in Winston Salem, NC

Our Recommended Top 8

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 Winston Salem 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.



8Top Picks

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featured provider = Featured Provider
Lexington Law logo


Winston Salem, NC
Free Credit Report Consultation Rating

Review Sources

4.3 (2911)

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

Winston Salem, NC Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Winston Salem? 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.

707 Westchester Drive Suite 204, High Point, NC 27262 Rating

Review Sources

5.0 (20)

Why choose this provider?

Next Level Credit Solutions is a credit repair business that serves individuals and couples in the Winston-Salem metro. The company provides clients with credit repair services that help them when buying new homes, making career advancements, and financing vehicles. Its team of professionals also offers strategies to increase credit scores, credit bureau report analysis, customer service support, and credit counseling. Next Level Credit Solutions was founded by CEO Fatima Blair. Blair was a speaker on the BNI Success Express.

  • Credit Monitoring
  • Credit Repair

46 Brandy Court, Greensboro, NC 27409 Rating

Review Sources

5.0 (72)
5.0 (5)

Why choose this provider?

Shield Credit Repair is a company servicing Winston Salem. It offers a variety of packages for credit repair solutions to help clients remove inaccuracies that affect their credit scores. These can include personal information challenges, credit building account referrals, and 24/7 client portal access. Its team conducts an audit or analysis of the credit report to detect different items such as credit errors, bankruptcies, tax liens, charge-offs, and late payments. Moreover, the company works with other account holders, creditors, and collectors to validate the accounts.

  • Credit Audit
  • Credit Dispute

952 Golf House Rd W Suite I-627, Whitsett, NC 27377 Rating

Review Sources

5.0 (68)
4.9 (31)

Why choose this provider?

NuEra Enterprise is a credit, business, and tax consulting company that helps clients in Winston Salem improve their credit scores. The company works with credit bureaus and the clients’ creditors to double-check the reported items that affect credit scores. Its software lets individuals get account updates and provides information about how to boost and maintain their good credit scores whenever they want. The Nuera Credit Academy gives credit specialist business coaching for individuals. It also offers coaching, branding, and marketing assistance to businesses.

  • Credit Monitoring
  • Credit Repair

7 B Corporate Center Court, Greensboro, NC 27408 Rating

Why choose this provider?

Second Chance Credit Solutions, LLC, serves clients in Winston Salem. It works directly with creditors and credit reporting agencies to assist clients in requesting, challenging, and disputing unfavorable report items that affect credit scores. In addition, it also provides credit analysis, helps track present credit reports and scores, and assists in improving the credit score. The company is certified by the Credit Consultants Association. Owner April Taylor is a Mortgage Specialist II and has been in the industry for about a decade.

  • Credit Dispute
  • Credit Audit

410 W Smith St, Unit 2D, Greensboro, NC 27401 Rating

Review Sources

5.0 (18)

Why choose this provider?

Tip Top Scores assists clients in Winston Salem. Its team helps increase an individual's credit score by disputing questionable or inaccurate information in reports from the three major credit bureaus. This includes late payments, bankruptcies, tax liens, repossessions, and expired debts. The firm also demands the removal of information related to fraud, identity theft, and closed accounts. Its program would eventually help clients to improve their credit scores, allowing them to obtain loans with reduced interest rates.

  • Credit Audit

7 Corporate Center Court, Greensboro, NC 27408 Rating

Review Sources

4.0 (95)
5.0 (32)

Why choose this provider?

Valiant Credit Services is a credit repair company that has been providing its services to clients in Winston Salem and the surrounding areas for more than 10 years. Its staff is knowledgeable and experienced to provide clients with credit education and help them improve their credit scores. The company has consultants with more than 15 years of credit repair industry experience. Its services help remove items such as medical bills, late payments, and student loans by using all credit repair methods.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Lexington Law
Winston Salem, NCFree Credit Report Consultation
Next Level Credit Solutions
707 Westchester Drive Suite 204, High Point, NC 27262
Shield Credit Repair
46 Brandy Court, Greensboro, NC 27409
NuEra Enterprise
952 Golf House Rd W Suite I-627, Whitsett, NC 27377
Second Chance Credit Solutions, LLC
7 B Corporate Center Court, Greensboro, NC 27408
Tip Top Scores
410 W Smith St, Unit 2D, Greensboro, NC 27401
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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