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Best Credit Repair Companies in Winston Salem

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Lexington Law logo
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Free Credit Report Consultation

Lexington Law

Winston Salem, NC
  • Consumer Credit Services
  • Credit Repair

Business Description

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.
4.2
Google
4.2 / 5 (557)

Price: Free Credit Report Consultation

MHM Credit Cleaners logo
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MHM Credit Cleaners

615 Saint George Square Court, Winston-Salem, NC 27103
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  • Credit Monitoring
  • Credit Audit

Business Description

MHM Credit Cleaners is a credit repair firm in the Winston Salem area. It cleans up its customers' past credit records and allows them to track their improvement through 24/7 online access and improve their future with maximized scores. MHM also educates its clients about their credit and follows an approach with the law on its side. Its goal is for individuals to have financial confidence through access to secured credit cards to help increase their credit score.

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 (53)

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
Natasha's Credit Services logo
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Natasha's Credit Services

2641 B1 Randleman Road, Greensboro, NC 27406`
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  • Credit Repair

Business Description

Natasha's Credit Services assists clients in the Winston Salem area. The company has helped improve many individuals credit score by disputing incorrect information in reports from all three credit bureaus. Natasha and her team also develops a plan to manage debt and repay loans. NCS provides email and text updates monthly to their clients. In addition, clients have a personalized online dashboard where they can monitor progress on their credit repair plans. Natasha’s Credit Services provides the necessary credit education to help clients improve their credit worthiness. The company mission is to provide a positive impact that will lead to a lifestyle change for a better financial future.

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 (28)
Google
4.9 / 5 (22)
Next Level Credit Solutions logo
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Next Level Credit Solutions

707 Westchester Drive Suite 204, High Point, NC 27262
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  • Credit Monitoring
  • Credit Repair

Business Description

Next Level Credit Solutions is a credit repair business that serves individuals and couples in the Winston-Salem metro. The company provides clients with credit repair services that help them when buying new homes, making career advancements, and financing vehicles. Its team of professionals also offers strategies to increase credit scores, credit bureau report analysis, customer service support, and credit counseling. Next Level Credit Solutions was founded by CEO Fatima Blair. Blair was a speaker on the BNI Success Express.

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 (56)
Facebook
5.0 / 5 (16)

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
NuEra Enterprise logo
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NuEra Enterprise

952 Golf House Rd W Suite I-627, Whitsett, NC 27377
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  • Credit Monitoring
  • Credit Repair

Business Description

NuEra Enterprise is a credit, business, and tax consulting company that helps clients in Winston Salem improve their credit scores. The company works with credit bureaus and the clients’ creditors to double-check the reported items that affect credit scores. Its software lets individuals get account updates and provides information about how to boost and maintain their good credit scores whenever they want. The Nuera Credit Academy gives credit specialist business coaching for individuals. It also offers coaching, branding, and marketing assistance to businesses.

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 (42)
Google
4.9 / 5 (31)

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
Second Chance Credit Solutions, LLC logo
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Second Chance Credit Solutions, LLC

7 B Corporate Center Court, Greensboro, NC 27408
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  • Credit Audit
  • Credit Dispute

Business Description

Second Chance Credit Solutions, LLC, serves clients in Winston Salem. It works directly with creditors and credit reporting agencies to assist clients in requesting, challenging, and disputing unfavorable report items that affect credit scores. In addition, it also provides credit analysis, helps track present credit reports and scores, and assists in improving the credit score. The company is certified by the Credit Consultants Association. Owner April Taylor is a Mortgage Specialist II and has been in the industry for about a decade.

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
Shield Credit Repair logo
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Shield Credit Repair

46 Brandy Court, Greensboro, NC 27409
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  • Credit Audit
  • Credit Dispute

Business Description

Shield Credit Repair is a company servicing Winston Salem. It offers a variety of packages for credit repair solutions to help clients remove inaccuracies that affect their credit scores. These can include personal information challenges, credit building account referrals, and 24/7 client portal access. Its team conducts an audit or analysis of the credit report to detect different items such as credit errors, bankruptcies, tax liens, charge-offs, and late payments. Moreover, the company works with other account holders, creditors, and collectors to validate the accounts.

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 (72)
Google
5.0 / 5 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Tip Top Scores logo
Visit WebsiteWebsite

Tip Top Scores

410 W Smith St, Unit 2D, Greensboro, NC 27401
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  • Credit Audit

Business Description

Tip Top Scores assists clients in Winston Salem. Its team helps increase an individual's credit score by disputing questionable or inaccurate information in reports from the three major credit bureaus. This includes late payments, bankruptcies, tax liens, repossessions, and expired debts. The firm also demands the removal of information related to fraud, identity theft, and closed accounts. Its program would eventually help clients to improve their credit scores, allowing them to obtain loans with reduced interest rates.

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 (20)
Facebook
5.0 / 5 (13)

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
Valiant Credit Services logo
Visit WebsiteWebsite

Valiant Credit Services

7 Corporate Center Court, Greensboro, NC 27408
Visit WebsiteWebsite
  • Credit Audit

Business Description

Valiant Credit Services is a credit repair company that has been providing its services to clients in Winston Salem and the surrounding areas for more than 10 years. Its staff is knowledgeable and experienced to provide clients with credit education and help them improve their credit scores. The company has consultants with more than 15 years of credit repair industry experience. Its services help remove items such as medical bills, late payments, and student loans by using all credit repair methods.

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
4.0 / 5 (95)
Facebook
5.0 / 5 (32)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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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.

Is credit repair legal?

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.

How do you repair credit after identity theft?

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.

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