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Best Credit Repair Companies in Charleston, SC

Our Recommended Top 5

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 Charleston 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.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider
Lexington Law logo


Charleston, SC
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

Charleston, SC Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Charleston? 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.

P.O. Box 1042, Walterboro, SC 29488 Rating

Review Sources

4.9 (35)
5.0 (6)

Why choose this provider?

Royal Credit Services helps Charleston residents improve their consumer, business, and mortgage credit scores. The company's team of case analysts and advisors works with credit bureaus and creditors to dispute negative items on clients' credit reports so they can get a mortgage, car loan, credit card, student loan, or employment. Some of the negative items are tax liens, foreclosures, repossessions, and charge-offs. In addition to improving credit scores, the team educates clients on how to stay in good financial standing.

  • Credit Dispute

​1501 Belle Isle Avenue, Suite 110, Mount Pleasant, SC 29464 Rating

Why choose this provider?

Myers Credit Repair, LLC, is a locally owned and operated company that serves the residents of Charleston and the surrounding areas. It provides complete credit repair services, which include credit analysis and education, custom dispute letters, and 24/7 access to one's case status. Its professionals have experience in consumer, business, and mortgage credit. Myers Credit Repair also works with mortgage, real estate, and tax professionals. The company serves clients in English and Spanish.

  • Credit Audit
  • Credit Dispute

2894 Pringle St, Ste B, North Charleston, SC 29405
Website Rating

Review Sources

5.0 (1)

Why choose this provider?

Second Sunrise is a credit repair company that caters to residents in Charleston and the surrounding communities. It helps eliminate derogatory and incorrect information from credit reports that can impact FICO scores, assists clients with bad credit ratings, and aids them in credit management and maximization. The company also handles credit inquiries, repossessions, foreclosures, tax liens, late payments, and previous charge-offs. Its team of analysts has over 100 years of combined financial services experience.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Lexington Law
Charleston, SCFree Credit Report Consultation
Royal Credit Services
P.O. Box 1042, Walterboro, SC 29488
Myers Credit Repair, LLC
​1501 Belle Isle Avenue, Suite 110, Mount Pleasant, SC 29464
Second Sunrise
2894 Pringle St, Ste B, North Charleston, SC 29405


  • 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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