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Best Credit Repair Companies in Charleston

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Credit Repair Charleston SC logo

Credit Repair Charleston SC

Charleston, SC
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  • Credit Dispute

Credit Repair Charleston SC is a Fico Pro-certified company that caters to people living in the metro. It helps individuals improve their credit scores by providing them with credit repair services. Its team members remove inaccurate and negative items from clients' credit reports, such as collections, late installments, and charge-offs. They also aid in filing for bankruptcy. The agency has been featured in numerous media outlets such as The Huffington Post, Forbes, and ABC News for its expertise.

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Happy Dance Credit Repair logo

Happy Dance Credit Repair

3250 Conservancy Ln, Charleston, SC 29414
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  • Credit Monitoring

Happy Dance Credit Repair serves individuals in Charleston and nearby areas. It offers credit repair solutions, such as audits, account validation with collection agencies, and personal information verification. It helps dispute negative items in reports, including charge-offs, repossessions, bankruptcies, and late payments. The company also provides identity theft resolution and credit-building consultation. Happy Dance Credit Repair educates its clients about credit scores and how they can improve their finances without the help of specialists.

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Lifeline Credit Clinic logo

Lifeline Credit Clinic

218 Sandra Ln, Ladson, SC 29456
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  • Credit Monitoring

The local woman-owned Lifeline Credit Clinic addresses the concerns of clients in Charleston and other neighboring communities. Its service professionals begin the credit repair process by auditing reports and determining items that require correction. They represent individuals in facing respective organizations like Equifax, Experian, and TransUnion credit bureaus to have the derogatory items removed. The agency also offers credit-building education, client portal access, and tools like credit card calculators. Monitoring solutions are also available to recognize new items impacting clients' credits.

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Myers Credit Repair, LLC logo

Myers Credit Repair, LLC

​1501 Belle Isle Avenue, Suite 110, Mount Pleasant, SC 29464
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  • Credit Audit
  • Credit Dispute

Myers Credit Repair, LLC, is a locally owned and operated company that serves the residents of Charleston and the surrounding areas. It provides complete credit repair services, which include credit analysis and education, custom dispute letters, and 24/7 access to one's case status. Its professionals have experience in consumer, business, and mortgage credit. Myers Credit Repair also works with mortgage, real estate, and tax professionals. The company serves clients in English and Spanish.

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Royal Credit Services logo

Royal Credit Services

P.O. Box 1042, Walterboro, SC 29488
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  • Credit Dispute

Royal Credit Services helps Charleston residents improve their consumer, business, and mortgage credit scores. The company's team of case analysts and advisors works with credit bureaus and creditors to dispute negative items on clients' credit reports so they can get a mortgage, car loan, credit card, student loan, or employment. Some of the negative items are tax liens, foreclosures, repossessions, and charge-offs. In addition to improving credit scores, the team educates clients on how to stay in good financial standing.

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Second Sunrise logo

Second Sunrise

2894 Pringle St, Ste B, North Charleston, SC 29405
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  • Credit Monitoring

Second Sunrise is a credit repair company that caters to residents in Charleston and the surrounding communities. It helps eliminate derogatory and incorrect information from credit reports that can impact FICO scores, assists clients with bad credit ratings, and aids them in credit management and maximization. The company also handles credit inquiries, repossessions, foreclosures, tax liens, late payments, and previous charge-offs. Its team of analysts has over 100 years of combined financial services experience.

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The Fresh Start Credit Repair logo

The Fresh Start Credit Repair

Summerville, SC 29483
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  • Debt Consolidation

The Fresh Start Credit Repair helps Charleston consumers regain financial control by rebuilding their credit scores. It evaluates clients’ credit reports for inaccurate items such as unverifiable late payments, charge-offs, or tax liens. It then sends dispute letters, challenging questionable entries, to credit bureaus, creditors, and collectors. Its credit repair specialists identify accounts that can be made current and with high credit utilization. They also provide financial literacy that promotes responsible spending and debt payment on time.

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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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