Expertise.com
2024

Last updated:

Best Credit Repair Companies in Concord

Our Recommended Top 11

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 Concord 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.

72

Reviewed

47

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Concord, NC
  • Credit Audit
  • Credit Repair
  • Money Back Guarantee
  • Credit Restoration
  • Credit building

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (6346)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Concord, NC

Why choose this provider?

Need help contacting a Credit Repair Company in Concord? 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.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free booking service | Call 848.Book.Pro!

Website
#1025 8322 Pineville Matthews Road Ste 602, Charlotte, NC 28226
  • Credit Monitoring

Why choose this provider?

Improve Credit assists residents and businesses in Concord and nearby areas in rebuilding their credit. Its team members provide customized roadmaps for removing problematic items from reports that affect consumers' scores. They also offer credit counseling and devise plans to assist people in repaying their debts. Wanda Strickfaden, the agency's owner, was a victim of identity theft in 2001 and now uses her personal knowledge and 19 years of professional experience to help others rebuild their creditworthiness.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
301 McCollough Dr 4th floor, Charlotte, NC 28262
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

Credit Smash is a financial consulting and services firm assisting individuals in Concord and the surrounding areas. It helps clients restore credit scores by disputing negative items and developing custom action plans. While clients are able to track their progress online, its team conducts monthly virtual conferences to update them on score improvements. Credit Smash offers a six and 12-month restoration program. Throughout its over five years in service, it has removed nearly 14,000 credit report errors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Winston-Salem, NC 27103
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

CMJ Credit Repair Services addresses the needs of individuals in the Concord area. It challenges negative items found on credit reports and drafts and sends dispute letters to lenders, creditors, and bureaus. The company disputes items such as evictions, repossessions, bankruptcies, and identity theft. It also offers credit consultation, analysis, and monitoring services to keep clients informed on their reports and educate them to improve their scores. The company has helped over 430 customers improve their credit scores.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10130 Mallard Creek Road Ste, Charlotte, NC 28262
  • Credit Monitoring

Why choose this provider?

ADR Financial Group offers solutions to customers in Concord. It helps individuals improve their credit scores to finance a vehicle, buy a new home, or advance their careers. The company assists clients in examining and disputing inaccurate and unverifiable accounts found on their credit reports. It also educates them on strategies to improve their credit scores after restoration. ADR Financial Group is co-owned by Ratiq and Alexis DeWitt. Alexis worked in the real estate industry and had closed over a hundred deals.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (165)
Yelp
4.2 / 5 (58)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10130 Mallard Creek Rd Suite 300, Charlotte, NC 28262
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Freedom Credit Booster offers financial advice to clients in the Concord area. People who have low credit scores can hire the firm to implement credit repair solutions. Its team disputes inaccurate or erroneous information in reports from the three major credit bureaus. These include bankruptcies, medical bills, repossessions, and charge-offs. Clients with higher credit scores can get loans with lower interest rates for homes, cars, and education. Freedom Credit Booster also helps with applying for credit cards.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Concord, NC 28025
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

Cardinal Credit Solutions, LLC, works with Concord residents who need their ratings improved. The company is experienced with consumer, business, and mortgage credit. The team educates customers on the proper measures for managing finances and payment obligations. It also disputes inaccurate entries on one's personal records. Cardinal Credit Solutions delivers 24-hour status updates for customers and sends notices via email. The office enforces bank-level security protocols for data security and has bilingual staff for transacting business with Spanish speakers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4801 E Independence Blvd STE 616, Charlotte, NC 28212
  • Debt Consolidation

Why choose this provider?

Farrar Financial Group Inc. offers several credit-improvement solutions to Concord clients. Its staff members monitor and verify the accuracy of payment history, new accounts, credit duration, and credit types used. They make contact with bureaus in order to have questionable items corrected. The team also provides solutions to tax and debt problems. The "Credit Queen," Coretta N. Meredith-Farrar, is the founder who wants to change people's lives by teaching them how to use money as a tool for empowerment.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Yelp
4.2 / 5 (67)
Facebook
5.0 / 5 (14)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Charlotte, NC 28105
  • Credit Monitoring

Why choose this provider?

The Credit Repair Pros addresses the customers' needs in Concord. The company caters to individuals looking to get a loan, purchase a house, or finance their purchases, providing credit repair services to achieve their goals. It aims to correct inaccuracies in the client's reports, such as charge-offs, tax liens, and bankruptcies, enabling them to avoid debts that come with a poor credit history. Its specialists consult consumers to determine their specific issues and devise a strategy to increase their credit scores.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
––

Website
Charlotte, NC 28215
  • Credit Monitoring

Why choose this provider?

TMJS Financial offers credit repair services to individuals in Concord and the surrounding areas. Its professionals work closely with clients to determine their situation and develop an individualized plan to restore their credit score. They aim to remove unverifiable information on the customer's credit report and correct the information on their account. Its professionals contact creditors on the client's behalf, send documentation back and forth and conduct a private assessment. They aim to stay updated on the recent credit reporting practices.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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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