Best Credit Repair Companies in Cary

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Credit Repair Companies FAQs

Last updated: October 1, 2022

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Credit Saint

Cary, NC

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

A+ Financial Services

103 Lee Court, Clayton, NC 27520

Debt Consolidation
Credit Dispute

A+ Financial Services is a company helping clients in Cary and the surrounding areas build their personal and business credit. This credit repair company also specializes in debt settlement and resolution, student loan consolidation, business funding, and financial fitness. The majority of its clients are referrals and repeat customers. A+ Financial Services is led by the husband-and-wife team of Sandy and Paul Northup. Sandy is the company's CEO and is a board member of the National Association of Credit Services Organizations.

Clean Slate Credit & Tax Service, LLC

5874 Faringdon Place, Raleigh, NC 27609

Credit Monitoring

Clean Slate Credit & Tax Service, LLC, is a credit repair company serving Cary and its surrounding metros. Its services include credit repair, credit rebuild, and credit score restoration. Its team guides its clients throughout the process, from auditing and reviewing their credit profiles to debt settlement. The company has extensive knowledge of laws that regulate credit bureaus and has experience dealing with credit and collector disputes. It has completed over 256 credit repair projects and helped more than 128 clients rebuild their credit.

Climax X LLC

4801 Glenwood Avenue, Raleigh, NC 27612

Credit Dispute

Climax X LLC is a credit repair firm that renders its services to residents in the Cary metro. The company analyzes its clients' credit reports and provides a range of options for clients to challenge the listed negative items. It deals with common credit issues including charge-offs, student loans, late payments, bankruptcies, foreclosures, and repossessions. Additionally, its team also provides credit consultations, in-depth credit analyses, and credit recommendations. Climax X LLC has been in business since 2020.

Optics Financial Services

2500 Regency Parkway, Cary, NC 27518

Credit Audit

Optics Financial Services is a credit repair company based in Cary. It helps clients improve their credit ratings, allowing them access to better financial terms from loans, insurances, and other lending programs. The company conducts a thorough review of its client's credit report, checking for any inaccurate information. Afterward, its team of specialists challenges these details with the credit bureau, creditor, and collector. Additionally, Optics Financial Services gives out tips and advice on how to maintain or continue to improve an individual's credit score.

Reliable Credit Repair

359 Crane Way, Bunnlevel, NC 28323

Credit Monitoring

Reliable Credit Repair is a full-service credit repair agency in Cary, which aims to help clients improve their credit scores and financial status. Founded and led by Brittnee Frisby, the firm offers personalized credit help by disputing and appealing unverifiable negative accounts such as collections, charge-offs, repossessions, collections, and bankruptcies. Aside from repairing credit scores, its credit counselors also educate clients so that they can be more empowered to build and maintain their good credit standing.

Reliance League

150 Wrenn Drive, Cary, NC 27512

Credit Dispute

Reliance League is a credit repair and debt counseling company that caters to cardholders in and around Cary. It assists clients with low credit scores by examining their financial records for any incorrect expenses. This includes unverified inquiries, bankruptcy claims, student loans, and outstanding debts. The company also advises its clients on how to raise their credit score with proper investments, loans, and debt settlements. Previous clients have spoken highly of the company's staff because of its efficiency in raising credit scores.

Starlight Credit Repair LLC

4801 Glenwood Avenue, Raleigh, NC 27612

Credit Dispute

Starlight Credit Repair LLC is a company with over six years of experience in credit restoration. Serving clients in Cary, it works directly with the three credit bureaus and creditors to dispute the inaccuracies and unverified items that affect credit scores. Its team handles many items, including personal information, bankruptcies, student loans, late payments, and collection accounts. The company provides personalized strategies after the consultation process to help individuals get an auto loan, refinancing, or purchase a home.

Valiant Credit Services

7 Corporate Center Court, Greensboro, NC 27408

Debt Consolidation

Located in Greensboro, Valiant Credit Services is a credit repair company servicing Cary. Its consultants, who have 15 years of industry experience, provide credit report analysis and implement a step-by-step process for improving creditworthiness. The company can remove negative items like late payments, medical bills, student loans, repossessions, bankruptcies, and foreclosures on credit reports. It aims to help clients gain a better financial future through credit education. Valiant Credit Services is a member of the Credit Consultants Association.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
Report the issue to the Federal Trade Commission.
Make a report to the local police to get an official report document.
Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
Check credit reports and look for inaccurate information related to the fraud.
Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: 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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