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Best Credit Repair Companies in Mount Pleasant, SC

Our Recommended Top 8

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  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Mount Pleasant 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

Mount Pleasant, SC Rating

Review Sources

4.8 (6377)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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 Restoration
  • Credit building
  • Credit Repair
Lexington Law logo


Mount Pleasant, SC
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

Charleston, SC 29401 Rating

Why choose this provider?

Credit Repair Charleston SC helps consumers in Mount Pleasant with solving financial difficulties. It assists in improving credit scores through the dispute and removal of negative items such as insolvency, charge-offs, and late installments. Its team of finance professionals analyzes reports, corresponds with credit report agencies, and monitors the progress of the repair process. The company has been repairing credit for nearly 10 years. It also educates clients on building better credit habits, especially after bankruptcy and severe debts.

  • Credit Audit

1318 N. Main St Ste 1133, Summerville, SC 29483 Rating

Review Sources

4.9 (29)

Why choose this provider?

New Life Financial LLC is a credit repair company that caters to the needs of consumers in Mount Pleasant and the surrounding areas. It helps consumers by improving their credit scores, providing them with financial strategies, and enabling them to make informed decisions. Its professionals guide clients in every step of the credit repair process, starting from financial consultation and strategy planning to result monitoring. The company also provides mobile notary and monthly coaching services.

  • Credit Dispute

4879 Filly Ct, North Charleston, SC 29420 Rating

Review Sources

5.0 (52)

Why choose this provider?

Royal Credit Services LLC is a company that serves Mount Pleasant. It aims to help individuals improve their scores to obtain a healthy credit life and financial standing. To achieve this objective, it reviews any negative items on reports and files disputes with creditors and reporting agencies. It works personally with clients through each step in the process and handles the documentation on their behalf. The company offers a 24/7 online platform to allow clients to monitor their status.

  • Credit Dispute

1240 Winnowing Way Suite 102, Mount Pleasant, SC 29466 Rating

Review Sources

5.0 (1)

Why choose this provider?

Winn Consulting assists Mount Pleasant clients with securing their first home or car, and with starting or renovating their business. It does this by offering credit repair and counseling services. It examines clients' credit history in detail, identifies the negative items that lower their scores, and fights to get those items removed. It also provides clients with personalized action plans and one-on-one support to help them restore healthy credit scores. Winn Consulting's service packages are designed for couples and individuals alike.

  • Credit Dispute

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

Review Sources

5.0 (11)

Why choose this provider?

Second Sunrise is a credit repair company that caters to customers in the Mount Pleasant metro and the surrounding areas. Its credit restoration services follow a process that involves requesting and reviewing credit reports, identifying derogatory accounts, challenging the negative items with the three major credit bureaus, and developing and forming plans and strategies to optimize the clients' credit scores. Some of the incorrect reporting information it disputes are late payments, student loans, and tax liens.

  • Credit Monitoring

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

Why choose this provider?

Myers Credit Repair, LLC, serves clients in Mount Pleasant and the surrounding areas. It provides credit consultation and analysis and helps maximize credit scores. It works with credit bureaus and creditors to challenge the negative report items that affect clients' credit standings. Its services include credit education, 24/7 access to the case status updates on improvements of reports, and personalized dispute options to fit individuals credit repair needs. It has Spanish-speaking staff members, broadening its client base.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Mount Pleasant, SCFree Credit Evaluation
Lexington Law
Mount Pleasant, SCFree Credit Report Consultation
Credit Repair Charleston SC
Charleston, SC 29401
New Life Financial LLC
1318 N. Main St Ste 1133, Summerville, SC 29483
Royal Credit Services LLC
4879 Filly Ct, North Charleston, SC 29420
Winn Consulting
1240 Winnowing Way Suite 102, Mount Pleasant, SC 29466
Second Sunrise
2894 Pringle St, Ste B, North Charleston, SC 29405
Myers Credit Repair, LLC
1501 Belle Isle Avenue, Suite 110, Mount Pleasant, SC 29464


  • 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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