Best Credit Repair Companies in Mount Pleasant

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Credit Repair Charleston SC logo

Credit Repair Charleston SC

Charleston, SC 29401
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  • Credit Audit

Credit Repair Charleston SC helps consumers in Mount Pleasant with solving financial difficulties. It assists in improving credit scores through the dispute and removal of negative items such as insolvency, charge-offs, and late installments. Its team of finance professionals analyzes reports, corresponds with credit report agencies, and monitors the progress of the repair process. The company has been repairing credit for nearly 10 years. It also educates clients on building better credit habits, especially after bankruptcy and severe debts.

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Lifeline Credit Clinic logo

Lifeline Credit Clinic

Mount Pleasant, SC
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  • Credit Monitoring

Lifeline Credit Clinic serves individuals throughout Mount Pleasant and the nearby areas. This local, woman-owned, and family-operated credit repair and guidance business is staffed by credit restoration professionals who identify and challenge unverifiable or erroneous information in customers' credit histories such as collections, charge-offs, repossessions, collections, and bankruptcies. The firm also provides clients with ongoing care and personal coaching to help them understand their credit reports and maintain their good credit standing once scores have improved.

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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 Monitoring

Myers Credit Repair, LLC, serves clients in Mount Pleasant and the surrounding areas. It provides credit consultation and analysis and helps maximize credit scores. It works with credit bureaus and creditors to challenge the negative report items that affect clients' credit standings. Its services include credit education, 24/7 access to the case status updates on improvements of reports, and personalized dispute options to fit individuals credit repair needs. It has Spanish-speaking staff members, broadening its client base.

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New Life Financial LLC logo

New Life Financial LLC

1318 N. Main St Ste 1133, Summerville, SC 29483
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  • Credit Dispute

New Life Financial LLC is a credit repair company that caters to the needs of consumers in Mount Pleasant and the surrounding areas. It helps consumers by improving their credit scores, providing them with financial strategies, and enabling them to make informed decisions. Its professionals guide clients in every step of the credit repair process, starting from financial consultation and strategy planning to result monitoring. The company also provides mobile notary and monthly coaching services.

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Royal Credit Services LLC logo

Royal Credit Services LLC

4879 Filly Ct, North Charleston, SC 29420
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  • Credit Dispute

Royal Credit Services LLC is a company that serves Mount Pleasant. It aims to help individuals improve their scores to obtain a healthy credit life and financial standing. To achieve this objective, it reviews any negative items on reports and files disputes with creditors and reporting agencies. It works personally with clients through each step in the process and handles the documentation on their behalf. The company offers a 24/7 online platform to allow clients to monitor their status.

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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 customers in the Mount Pleasant metro and the surrounding areas. Its credit restoration services follow a process that involves requesting and reviewing credit reports, identifying derogatory accounts, challenging the negative items with the three major credit bureaus, and developing and forming plans and strategies to optimize the clients' credit scores. Some of the incorrect reporting information it disputes are late payments, student loans, and tax liens.

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The Fresh Start Credit Repair logo

The Fresh Start Credit Repair

Summerville, SC 29483
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  • Credit Monitoring

The Fresh Start Credit Repair serves the locals in and around the Mount Pleasant area. Its goal is to assist with three aspects of clients' financial life: restoring their credit, rebuilding it, and raising their scores. Its primary focus is removing, correcting, or updating any inaccurate, misleading, and unverifiable information like late payments, foreclosures, charge-offs, collection accounts, and bankruptcies. The Summerville-based company helps individuals navigate the credit repair process and educates them about laws that regulate collectors, creditors, and credit bureaus.

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Winn Consulting logo

Winn Consulting

1240 Winnowing Way Suite 102, Mount Pleasant, SC 29466
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  • Credit Dispute

Winn Consulting assists Mount Pleasant clients with securing their first home or car, and with starting or renovating their business. It does this by offering credit repair and counseling services. It examines clients' credit history in detail, identifies the negative items that lower their scores, and fights to get those items removed. It also provides clients with personalized action plans and one-on-one support to help them restore healthy credit scores. Winn Consulting's service packages are designed for couples and individuals alike.

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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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