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Best Credit Repair Companies in Durham

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A+ Financial Services logo

A+ Financial Services

103 Lee Court, Clayton, NC 27520
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  • Credit Dispute

A+ Financial Services is a credit repair company serving individuals and business owners in the Durham community. Leading the firm is Sandy Northup, a board member of the National Association of Credit Services Organizations. Northup and her team evaluate credit reports and work on behalf of the clients to remove unfair or erroneous items they find using the company's patented credit repair process. They also offer counseling and financial planning to help individuals recover from bad financial situations.

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Clean Slate Credit & Tax Service, LLC logo

Clean Slate Credit & Tax Service, LLC

5874 Faringdon Place, Raleigh, NC 27609
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  • Credit Monitoring
  • Credit Dispute

Clean Slate Credit & Tax Service, LLC, is a company serving customers in Durham and the surrounding areas. It repairs and restores a client's credit score through a range of services, which include credit analysis and challenging any inaccurate or questionable information on the report with creditors. The company also conducts credit education through several channels such as emails, text messages, and voice broadcasts. Other services available include credit monitoring, credit card rebuilding, and legal assistance.

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Climax X LLC logo

Climax X LLC

4801 Glenwood Avenue, Raleigh, NC 27612
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  • Credit Audit

Climax X, LLC, is a financial service provider that performs a range of credit consulting and management services for its clients in the Durham metro. It helps individuals through credit repair via specific plans, which include credit analysis and credit restoration. The company also offers assistance to commercial clients regarding business credit solutions. Moreover, Climax X deals with credit education, informing its customers about topics like credit score improvement, credit information management, and credit diversification.

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EJC Credit Solutions LLC logo

EJC Credit Solutions LLC

1000 Centregreen Way, Cary, NC 27513
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  • Credit Dispute

EJC Credit Solutions LLC offers credit repair services to clients in Durham and surrounding communities. Its team of case analysts and case advisors works to improve clients' creditworthiness by providing dispute options. The company also submits personalized dispute letters to credit bureaus and creditors on clients' behalf. Clients have access to the status of their case 24/7. Other services offered by EJC Credit Solutions LLC include tax liens, repossessions, medical bills, and credit card debt.

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Express Life Education logo

Express Life Education

3600 North Duke Street, Durham, NC 27704
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  • Credit Monitoring

Express Life Education is a family-owned business providing credit repair services in Durham. Clients who need help restoring credit may request a credit review on their website and apply to start the process. The company's "Stay Program" gives financially challenged customers access to its services. Express Life Education's other programs include life coaching, wealth planning, economic development, computer training, entrepreneurship, and financial literacy. It also offers assistance with life insurance, living will, and home purchase.

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Optics Financial Services logo

Optics Financial Services

2500 Regency Parkway, Cary, NC 27518
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  • Debt Consolidation

Optics Financial Services is a veteran-owned credit repair company serving Durham and surrounding communities. It assists individuals in fixing their credit history by clearing inaccuracies that affect their scores. Its team can detect a wide range of items including tax liens, medical bills, duplicates, short sales, and identity theft. The process includes a credit report evaluation to assist clients in rebuilding and restoring their credit. The company directly deals with debt collectors and executes debt settlement processes if needed.

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Reliance League logo

Reliance League

150 Wrenn Drive, Cary, NC 27512
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  • Credit Dispute

Reliance League is a Cary-based company that assists Durham clients in improving their credit scores. The company contacts creditors on the client's behalf to have inaccuracies corrected or removed. It also provides debt counseling and credit improvement tools to assist clients in achieving a better credit profile. Customers can monitor the status of their scores in real-time through a client portal that is available 24/7. The company has received training on laws, statutes, and credit reporting practices.

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Starlight Credit Repair LLC logo

Starlight Credit Repair LLC

4801 Glenwood Avenue, Raleigh, NC 27612
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  • Credit Dispute

Starlight Credit Repair LLC is a company that has been in the credit repair industry for several years. It caters to different clients in Durham and in all 50 states of the United States. Its team of professionals is experienced in various areas such as medical records, collections, inquiries, and late payments. It helps clients in repairing their credit and taking care of their debts by analyzing their credits and using the law to challenge the negative items.

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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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