Expertise.com

Best Credit Repair Companies in Gastonia

2024

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

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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

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

Lexington Law logo
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Lexington Law

Gastonia, NC
  • Consumer Credit Services
  • Credit Repair

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.

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.
4.3

Price: Free Credit Report Consultation

Website
11709 Fruehauf Drive, Suite 111, Charlotte, NC 28273
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Kash & Services is a locally owned and operated company offering credit repair solutions to clients throughout Gastonia and the surrounding communities. Its credit counselors provide confidential credit assistance by analyzing and reviewing reports from credit bureaus and appealing inaccurate or unverifiable negative accounts from customers' credit profiles. After items have been removed from records, the company continues to offer guidance, enabling clients to rebuild and maintain their good credit standing. Other services include tax preparation, bookkeeping, and business setup consultations.

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 (9)

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
2020 Remount Road Suite W-115, Gastonia, NC 28054
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

Credit Correct serves customers in Gastonia and the surrounding areas. The credit repair company helps clients improve their credit scores, rebuild credit, and settle debts. It corrects and updates credit reports, removing inaccurate and misleading items, such as late pay, tax liens, short sales, identity theft, and charge-offs. It educates consumers on ways to raise their credit scores. The firm works with credit bureaus and creditors to rebuild and fix tarnished credit. It is certified by the Credit Consultants Association.

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 (18)
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
1025 8322 Pineville Matthews Road Ste 602, Charlotte, NC 28226
  • Credit Monitoring

Why choose this provider?

Improve Credit, a locally owned and operated company with more than two decades of credit building experience, serves Gastonia and the surrounding areas. Its team of experts provides customized credit restoration services for both individuals and businesses. The other services the company offers include credit monitoring, credit counseling, and identity theft help. Company owner Wanda Strickfaden, who hosts “The Improve Credit and Finance Show” on WGIV 103.3 FM, has been featured on WBTV-Charlotte Channel 3 News.

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

Website
801 E. Morehead Street ​Ste. 105 #3209, Charlotte, NC 28202

Why choose this provider?

Credit Care Service helps clients in Gastonia and the surrounding communities improve their credit scores. The credit repair firm offers assistance with document processing to help clients deal with collections, repossessions, bankruptcies, foreclosures, medical bills, and credit card debts. Its team challenges the negative items in a person's credit score and works with the credit bureaus and their creditors to eliminate errors. Credit Care Service has an application that allows clients to access their credit reports and scores 24/7.

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Charlotte, NC 28105
  • Credit Monitoring

Why choose this provider?

The Credit Repair Pros serves individuals in Gastonia and the surrounding areas. Its credit counselors assist clients in improving their credit scores by reviewing credit reports from Equifax, TransUnion, and Experian and legally disputing or challenging inaccurate, erroneous, and obsolete information from credit profiles. They also draft and send letters to debt collectors, requesting them to cease collection activities. After scores have improved, the firm continues to monitor and update clients to enable them to maintain their good credit standing.

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

Why choose this provider?

Freedom Credit Booster caters to the needs of clients in Gastonia and other neighboring areas. It offers solutions for improving individuals' qualifications in purchasing a house or car and applying for loans. From the results of the report assessment, its team members craft strategies for challenging inaccurate items like student loans, bankruptcies, and charge-offs. They communicate with respective organizations in confirming the validity of collections, judgments, and late payments. The team also educates consumers about credit restoration.

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)
Facebook
5.0 / 5 (11)

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 Dispute

Why choose this provider?

ADR Financial Group provides credit repair solutions to individuals and business owners in Gastonia and the neighboring communities. The company helps clients with buying a new home, financing a vehicle, and advancing their careers. It assists clients with the removal of inaccurate and unverifiable accounts on their credit reports and educates them on how to achieve higher scores after restoration. CEO Ratiq "Rocky" DeWitt uses his expertise in real estate, stocks, and logistics in running the company and serving clients.

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.
4.9
Google
4.9 / 5 (186)
Facebook
5.0 / 5 (54)
Yelp
3.0 / 5 (7)

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
P. O. Box 99, Paw Creek, NC 28130
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Hope 4 USA offers financial services for individuals and businesses in and around Gastonia. It helps clients achieve financial goals through credit restoration, whether they are looking to make major purchases or apply for new credit cards. The firm also educates business owners on how to qualify for financing. Additionally, it helps students fund their education through loan consolidations, catering to undergraduates paying more than one lender each month and seeking to avoid wage or default garnishment.

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
Facebook
5.0 / 5 (29)
Google
4.5 / 5 (17)

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
  • Credit Monitoring

Why choose this provider?

Farrar Financial Group Inc. provides credit repair services to individuals and businesses in Gastonia and the surrounding areas. By coordinating with TransUnion, Equifax, and Experian, the company shows its clients how to maximize their debt ratio score and helps them eliminate inquiries from credit reports. It also removes debts that are more than seven years old and bankruptcy notices that are more than a decade old. CEO Coretta N. Meredith-Farrar has managed more than 150 employees in a Fortune 500 company.

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 (2)

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
4822 Albemarle Rd Ste 161, Charlotte, NC 28205
  • Credit Monitoring

Why choose this provider?

Cash Back Taxes LLC is a financial firm that provides services to individuals and businesses in Gastonia and the surrounding areas. It provides credit repair services such as the removal of records of late payments, collections, evictions, and repossessions. It also facilitates business services such as new business formation, bookkeeping, payroll solutions, and financial planning. In addition, the firm offers estate and retirement planning, tax preparation and relief, and wealth management. Cash Back Taxes has been in business for more than 12 years.

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
Facebook
5.0 / 5 (22)
Google
4.4 / 5 (12)

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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