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Best Credit Repair Companies in Columbia, SC

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Columbia 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.

95Reviewed

59Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Columbia, SC

Expertise.com Rating

Review Sources

Google
4.8 (10602)
Yelp
2.2 (30)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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

Lexington LawExpertise.com

Columbia, SC
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)
Google
4.7 (169)

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

1320 Main Street, Columbia, SC 29201

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Repair
  • Credit Audit

222 East Blackstock Road, Columbia, SC 29301

Expertise.com Rating

Review Sources

Facebook
4.0 (41)
Google
5.0 (1)

Why choose this provider?

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.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

136 Forum Drive, Columbia, SC 29229

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

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.

  • Debt Consolidation

1201 Main Street, Columbia, SC 29201

Expertise.com Rating

Review Sources

Google
4.0 (10)

Why choose this provider?

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.

  • Debt Consolidation

210 Broad Street, Sumter, SC 29150

Expertise.com Rating

Review Sources

Google
4.0 (39)
Facebook
5.0 (18)

Why choose this provider?

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.

  • Credit Audit
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Columbia, SCFree Credit Evaluation
Lexington Law
Columbia, SCFree Credit Report Consultation
Gibbs Financial Fitness
1320 Main Street, Columbia, SC 29201
Masters Credit Consultants
222 East Blackstock Road, Columbia, SC 29301
Redd Credit Repair
136 Forum Drive, Columbia, SC 29229
Zorro Credit Repair Columbia
1201 Main Street, Columbia, SC 29201
Clear Credit
210 Broad Street, Sumter, SC 29150

FAQs

  • 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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