Best Credit Repair Companies in North Charleston

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Credit King Solutions logo

Credit King Solutions

P.O. Box 892, Santee, SC 29142
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  • Credit Dispute

Credit King Solutions works with clients in North Charleston who need their credit scores fixed. The team conducts private assessments of its customers' debts and obligations. It contacts creditors and negotiates financial relief arrangements. The company also strives to keep debt records accurate, clarifying sums that have been paid or settled. Credit King Solutions caters to individuals, couples, and entrepreneurs who seek to secure new homes, vehicles, or set up an enterprise. The firm also delivers counseling services.

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Lifeline Credit Clinic logo

Lifeline Credit Clinic

218 Sandra Ln, Ladson, SC 29456
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  • Credit Monitoring

Lifeline Credit Clinic is a family-owned and family-operated company serving clients in North Charleston and the surrounding cities. It repairs and restores credit scores to help individuals meet their financial and investment needs. The company's team starts the credit repair process by understanding each client's financial situation and reviewing their credit reports to create recovery strategies. It also handles negative credit scores by disputing with credit bureaus, including TransUnion, Experian, and Equifax. The company gives clients access to an online portal to stay updated with their monthly credit reports.

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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 offers credit repair solutions for individuals in and around North Charleston. Its team conducts line-by-line reviews of clients' credit reports to identify incorrect information, whether collections, auto loans, charge-offs, tax liens, or late payments. They challenge negative items and send disputes and re-disputes until the information is removed. In addition to restoring credit, the professionals educate clients on how to manage credit. Second Sunrise's team members have more than 100 years of collective experience.

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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 offers counseling services to residents of North Charleston. It assists clients in restoring their credit ratings by identifying and appealing unverifiable information in their credit histories. Items such as bankruptcies, foreclosures, collections, charge-offs, and repossessions can be legally disputed by its team. In addition to credit repair, the company provides clients with constant education on the process of raising credit scores, rebuilding credit, debt settlement when needed, and dealing with debt collectors to help them maintain their good credit standing.

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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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