Best Credit Repair Companies in Raleigh

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Credit Repair Companies FAQs

Last updated: October 1, 2022

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Credit Saint

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Carolina Credit Repair

2986 Bakers Mill Rd, Fayetteville, NC 28306

Credit Audit
Credit Monitoring
Debt Consolidation

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.

Clean Slate Credit & Tax Service, LLC

5874 Faringdon Place, Raleigh, NC 27609

Credit Audit
Credit Dispute

Clean Slate Credit & Tax Service, LLC, is a credit repair firm that serves clients in Raleigh and the surrounding communities. It helps remove inaccurate information from clients' credit reports and rebuild credit. It then assists in improving their credit scores by educating them on all aspects of credit repair and debt settlement. Clean Slate Credit & Tax Service has completed over 250 projects. It focuses on customer service by guiding customers from start to finish of the credit restoration process.

Grand Credit Services

6582 Guard Hill Drive, Raleigh, NC 27610

Credit Monitoring
Credit Dispute

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.

Prosperity I.Q. Financial Solutions

2500 Regency Parkway, Raleigh, NC 27518

Credit Repair

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.

Sensei Services Inc

4242 Six Forks Road, Raleigh, NC 27609

Credit Monitoring

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.

Starlight Credit Repair LLC

4801 Glenwood Avenue, Raleigh, NC 27612

Credit Audit
Credit Dispute

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.

Valiant Credit Services

7 Corporate Center Court, Greensboro, NC 27408

Credit Monitoring

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.

Vivix Credit Solutions

421 Fayetteville Street, Raleigh, NC 27601

Credit Dispute

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.

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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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