Expertise.com

Best Credit Repair Companies in Raleigh

2024

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

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

Raleigh, 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
Facebook
4.3 / 5 (2911)

Price: Free Credit Report Consultation

Website
6582 Guard Hill Drive, Raleigh, NC 27610
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

Grand Credit Services is a credit repair company that caters to clients in Raleigh and its nearby areas. It helps fix credits by offering personalized restoration solutions that are suited to the customers' needs. Additionally, it sends customized dispute letters and gives 24/7 access to its clients' case status and updated information. Some of the negative report items it removes are charged-offs, closed accounts, delinquencies, judgments, and lost credit cards. Grand Credit Services also provides credit education.

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
4801 Glenwood Avenue, Raleigh, NC 27612
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Starlight Credit Repair LLC is a credit restoration company that provides services to individuals in the Raleigh metro. It works with three credit bureaus and creditors to help clients resolve their credit score issues. The company handles various cases related to late payments, bankruptcies, collection accounts, credit inquiries, and student loans. Moreover, it specializes in disputing inaccurate and unverifiable items in medical records. Starlight Credit Repair carries more than six years of experience in the industry.

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.
4.2
Facebook
5.0 / 5 (13)
Google
3.0 / 5 (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

Website
421 Fayetteville Street, Raleigh, NC 27601
  • Credit Dispute

Why choose this provider?

Vivix Credit Solutions is a company that provides assistance to individuals and businesses with challenged credits within the Raleigh metro. Since 2006, the FICO Pro certified business has offered to fix and improve clients' credit profiles with Equifax, Experian, and TransUnion. The company's credit specialists have successfully significantly reduced negative items in its clients' reports. The company offers in-office consultation and credit counseling at its branches in all four states including Nevada and Maryland.

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
4242 Six Forks Road, Raleigh, NC 27609
  • Credit Monitoring

Why choose this provider?

Sensei Services Inc. is a credit repair agency dedicated to helping individuals in Raleigh meet their credit score goals. Its team develops credit repair programs that are customized according to the clients' unique needs. It makes sure credit reports are accurate, working directly with credit bureaus and creditors to dispute any negative items that appear on credit files. The business is affiliated with Self to help clients build positive credit through installment loans. It also works with IdentityIQ to offer credit protection services.

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.
2.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2986 Bakers Mill Rd, Fayetteville, NC 28306
  • Credit Audit
  • Credit Monitoring
  • Debt Consolidation

Why choose this provider?

Carolina Credit Repair helps clients in Raleigh and the surrounding communities develop a healthier relationship with their credit. For clients to get financing approval, the firm offers various services to fix their credit standing. It assists clients with debt settlement, credit restoration, dispute code removals, loan approvals, foreclosures, and tax liens. The firm partners with consumer law attorneys in defending clients in Fair Debt Collection Practices Act violations. It also removes bankruptcy from clients' credit reports. Same-day service is available.

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 (13)

Website
7 Corporate Center Court, Greensboro, NC 27408
  • Credit Monitoring

Why choose this provider?

Valiant Credit Services helps individuals in Raleigh with issues concerning their credit scores. It has a total of 474,912 clients served with its 3-step process, namely to repair, rebuild, and restore. The company works with Transunion, Equifax, and Experian, the three credit bureaus. With its credit consultants having more than 15 years of experience, it assists in removing bankruptcies, late payments, student loans, and medical bills. Valiant Credit Services also offers a 30-minute initial credit consultation.

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
4.7 / 5 (59)
Facebook
4.9 / 5 (47)

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2500 Regency Parkway, Raleigh, NC 27518
  • Credit Repair

Why choose this provider?

Prosperity I.Q. Financial Solutions provides credit restoration services to the people of Raleigh. The company analyzes clients' current credit scores and explains the various approaches they can take to improve their credit ratings. It also negotiates with clients' lenders to remove negative items from their credit reports. Access to clients' case status is also available 24/7. Other services include accounting and tax solutions. Co-founders and couple Clarissa and Maurice Montgomery are both credit consultants with educational backgrounds in accounting.

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 (49)
Facebook
5.0 / 5 (25)

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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