North Carolina Credit Repair
Want to take control of errors on your credit reports? These North Carolina credit repair companies can help you get started. Read on.
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North Carolina's top-rated credit repair services are:
- Lexington Law: Best Overall
- Credit Saint: Best for Money-back Guarantee
- Sky Blue Credit: Best for Couples Pricing
- The Credit Pros: Best for Credit Building
- The Credit People: Best for Flat-Rate Plan
Facing credit challenges in North Carolina? You're not alone. Thousands are looking to make their credit better.
The good news is that reliable services are available for residents in The Old North State.
This guide highlights the top credit repair companies in North Carolina—with proven success in resolving disputes.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
5 Best North Carolina Credit Repair Companies
A good credit score is within reach for North Carolinians. Here are some of the best companies you can consider.
Lexington Law: Best Overall
Lexington Law started in 2004, and it has helped remove over 83 million inaccurate, negative items for its clients over the years.[1]
As a law firm specializing in credit repair, Lexington Law provides the knowledge of seasoned professionals who advocate on your behalf—challenging credit bureaus to correct errors in your reports.
Why We Like It:
Lexington Law offers Focus Tracks as tailored credit repair solutions for specific life events, like military service.
Say, you're on active duty. Your credit history may be too thin from being overseas for a long time. Lexington Law ensures your rights are protected under laws like the Servicemembers Civil Relief Act.
That way, you're protected from judgments, evictions, and other issues from your time away. Additionally, Lexington Law will appeal to your creditors regarding your military service.
Pricing & Fees:
Lexington Law offers only one premium credit repair package at $139.95/month.[2] You get the following:
- Skilled lawyers and paralegals working on your case
- Challenges to Equifax, Experian, and TransUnion
- Monthly TransUnion FICO score
- $1 million identity theft insurance
- Personalized strategies to improve your credit score
The first payment is charged 5-15 days after you enroll, but Lexington Law doesn’t specify the exact amount. Then after a month, you'll be charged the monthly fee.
Pros & Cons:
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Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Credit Saint: Best Money-back Guarantee
Credit Saint is one of most aggressive services in the United States. It has been around since 2004, helping over 200,000 clients. It's a good option if you're considering refund policies.[3]
Why We Like It:
Credit Saint stands out with its 90-day money-back guarantee, because other credit repair companies don't provide this.
If no errors are removed from your credit reports within 90 days, you can request a full refund.
Additionally, your family members don't need to worry about hefty fees to start. If they sign up with your account, Credit Saint waives their setup fees.
Pricing & Fees:
Credit Saint offers three packages with the following features:[4]
| CLEAN SLATE | CREDIT REMODEL | CREDIT POLISH | |
|---|---|---|---|
| Aggressiveness | Very High | High | Medium |
| Price (monthly) | $139.99 | $109.99 | $79.99 |
| Initial working fee/first work fee | $195.00 | $99.00 | $99.00 |
| Challenges to the 3 credit bureaus | Unlimited disputes | ✔ | ✔ |
| Creditor intervention letters | ✔ | ✔ | ✔ |
| Score tracker and analysis | ✔ | ✔ | ✔ |
| Inquiry targeting | ✔ | ✔ | — |
| Personalized guide to credit building | ✔ | ✔ | — |
Pros & Cons:
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Sky Blue Credit: Best for Couples Pricing
Sky Blue Credit is one of the most established companies on the list. It has been in the industry since 1989 and offers one of the cheapest services in the United States.[5]
Why We Like It:
You get to save on monthly fees with Sky Blue Credit's couples pricing. If you sign up with another member, you end up with lower monthly fees compared to individual pricing.
Additionally, Sky Blue Credit offers a satisfaction guarantee that covers the first 90 days of the service. If you're not satisfied within that time frame, you can request a refund.
Finally, Sky Blue Credit offers Mortgage Preparation as its expertise. Whether you're buying your first home or looking to refinance your current mortgage, professionals will optimize your credit reports and guide you in this major expense.
Pricing & Fees:
Sky Blue Credit offers the following features for each package:[6]
| PREMIUM | FULL SERVICE | BASIC SERVICE | |
|---|---|---|---|
| Price (monthly) | Individual: $119.00 Couples: $179.00 | Individual: $99.00 Couples: $149.00 | Individual: $79.00 Couples: $119.00 |
| Initial working fee/first work fee | Same as monthly price | ||
| 3-bureau credit reports and scores | ✔ | ✔ | ✔ |
| Credit bureau disputes | ✔ | ✔ | ✔ |
| Score tracker | ✔ | ✔ | ✔ |
| Credit updates | Every 45 days | Every 45 days | Every 60 days |
| Creditor interventions | ✔ | ✔ | — |
| Credit builder tool | ✔ | ✔ | — |
| Monthly inquiry disputes | ✔ | — | — |
| Debt validation letters | ✔ | — | — |
| Cease and desist letters | ✔ | — | — |
| Personal Information Correction letters | ✔ | — | — |
Pros & Cons:
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Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
The Credit Pros: Best for Credit Building
Did you know you can rebuild your credit while fixing errors on your credit reports? The Credit Pros makes this possible.
Since 2009, they've been a trusted name in credit repair, helping over 1 million clients improve their credit.[7]
Why We Like It:
The Repair + Build Credit plan gets you a $5,000 tradeline through The Credit Pros' partner, NationalCreditDirect.com. You can shop on their platform and pay off your balance monthly to add positive entries to your credit reports.
Certain plans also report your monthly fee payments to the credit bureaus. Over time, you'll gain more positive entries in your credit history, while The Credit Pros dispute errors for you.
Additionally, all plans include credit monitoring, so you can track sensitive information without spending extra on another app or service. This helps you stay alert to potential identity theft or fraud while working on improving your credit.
Pricing & Fees:
Here's what else you can get from them:[8]
| REPAIR + BUILD CREDIT | REPAIR CREDIT | BUILD CREDIT | |
|---|---|---|---|
| Price (monthly) | $149.00 | $129.00 | $69.00 |
| First work fee | $149.00 | $129.00 | $119.00 |
| Unlimited disputes to the credit bureaus | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Cease and Desist letters | ✔ | ✔ | — |
| Positive payment reporting | ✔ | — | ✔ |
| Credit Building Tradeline | ✔ | — | — |
| ID Cover Darkweb Monitoring | ✔ | ✔ | ✔ |
| TransUnion fraud alerts | ✔ | ✔ | ✔ |
| Debt Payoff & Budgeting System | ✔ | ✔ | ✔ |
Pros & Cons:
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Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
The Credit People: Best for Flat-Rate Plan
The Credit People started in the industry in 2001. It has helped over 100,000 clients since it started and has helped them improve their credit score by 50–100+ points (on average).[9][10]
Why We Like It:
The Credit People offers a flat-rate plan that lets you save on monthly fees. For just $599, you'll enjoy six months of premium features—saving you around $20/month compared to their regular premium plan.
Every plan includes a satisfaction guarantee, which covers the entire duration of your service when you opt for the flat-rate plan.
Best of all, The Credit People keeps upfront costs low with one of the industry's lowest first-work fees at just $19. This fee covers setting up your account and pulling your credit reports. After seven days, your monthly fee kicks in.
Pricing & Fees:
You can choose between a flat-rate package and two regular monthly packages:[11]
| PREMIUM FLAT RATE | PREMIUM | STANDARD | |
|---|---|---|---|
| Price | $599 for 6 months | $119/month | $99/month |
| Setup fee | $19 | ||
| Challenges to the 3 credit bureaus | ✔ | ✔ | ✔ |
| Unlimited challenges | ✔ | ✔ | ✔ |
| Before & After credit scores | ✔ | ✔ | ✔ |
| Monthly credit scores | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Escalated disputes & validations | ✔ | ✔ | — |
Pros & Cons:
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What is Credit Repair?
Credit repair involves disputing inaccurate items in your credit reports, potentially removing them.
Typically, credit repair companies review your reports for errors or outdated information. They then draft and send dispute letters to the credit bureaus on your behalf to correct these issues.
Keep in mind, though, that you can do everything these companies offer yourself! Under the Fair Credit Reporting Act, you have the right to access your credit reports and dispute any inaccurate items affecting your credit.
Yes, credit repair can help fix your credit in certain situations. It's the process of disputing inaccurate items to the credit bureaus to ensure they're taken off your credit reports. However, if most of your negative items are accurate, there's little that you or companies can do to remove them from your credit reports.
Credit Repair Process in North Carolina
Credit repair companies will review your credit reports and dispute the credit bureaus for errors.
Here's how it works:
- Sign up for a free consultation
Sign up for an initial online consultation or a credit assessment with credit repair companies. It's usually free! - Professionals review your credit reports
Credit repair companies will go through your credit reports for inaccurate items like outdated items, wrong details, and fraudulent accounts. - Professionals send dispute letters for you
Professionals write a dispute letter to challenge the credit bureaus for these inaccuracies. - Wait for results
Once the credit bureaus receive your letter, they have 30–45 days to review it. Then, they have an additional five business days to let you know of the results.
If the dispute letter doesn't lead to a removal, you can request the company to send another letter on your behalf. When you re-dispute items, you can attach more evidence to support your claim.
Just keep in mind that you need to allot another 30–50 days for the results of your second dispute letter.
North Carolina Credit Repair State Law
According to the North Carolina Credit Repair Services Act, credit repair companies should:
- Obtain a $10,000 surety bond
- Provide a written contract for the client—dated and signed
- Attach a clear notice of cancellation within the contract
- Return any payment made if a client cancels the contract within 3 days of signing
Additionally, North Carolina credit repair businesses should abide by Credit Repair Organizations Act and must not charge upfront fees or make misleading claims for their service.
What's more, under the Telemarketing Sales Rule, telemarketers must not use threats, obscene language, or other abusive conduct when engaging with you.
They should also adhere to call time restrictions—making calls only between 8:00 AM and 9:00 PM local time.
Credit repair is legal in North Carolina, but companies must comply with state laws. Before they can offer credit repair services, they are required to secure a $10,000 surety bond.
Is North Carolina Credit Repair Worth It?
North Carolina credit repair is worth it if your credit reports have many inaccurate items damaging your credit. Successful removals often need time, strategy, and expertise for state laws.
Experienced companies can boost your confidence in the process, but be ready for high fees. First work fees can reach $195, with monthly fees starting at $60 afterward.
If you only have minimal errors, DIY credit repair is a more practical option.
To know if credit repair is worth its price, estimate your potential expenses using the calculator in the next section.
Repairing your credit score doesn't have a set timeline. It can take anywhere from a few months to a few years. To speed up the process, focus on paying your debts on time, and using credit-building tools to add positive entries and improve your payment history.
Credit Repair Cost Calculator
To know how much your potential credit repair fees will be, follow the steps below.
- Input the first work fee (setup fee) of your chosen company.
- Input the monthly fee of your chosen package.
- Input the number of months you think you may need credit repair services.
- Click Calculate.
How to Do Credit Repair by Yourself
Credit repair services can be a costly decision. If you want to save on fees, you can repair your credit by yourself and follow the process of North Carolina's credit repair companies.
Rather than signing up for a consultation, get your credit reports from AnnualCreditReport.com then review for errors. Afterward, write your dispute letters, and send them to the credit bureaus.
To further boost your financial wellness, consider applying for the best credit cards that suit your needs. This can increase your total credit limit, which may improve your credit utilization ratio if you use your credit card responsibly.
Pair this with money management apps to keep track of your finances and stay on top of your budget.
How to Choose a North Carolina Credit Repair Company
Choosing a credit repair service can be tough! There are things you need to keep in mind so you won't waste your money.
Consider the following:
- History and experience
Look for companies that have a proven track record. That way, it'll be easier to get the latest news and updates regarding the company's performance, legal compliance, and accreditations. - Testimonials and reviews
Online platforms like BBB, Google Reviews, and Trustpilot are your best friends. Search for comments, reviews, and ratings to gauge and assess the company you're eyeing. - Guarantee and refund policies
Not all companies offer a guarantee and refund policy. If you want the extra safety net for your payments, go for companies with money-back guarantee or satisfaction guarantee. - Website and online presence
Most things are online now. Search for the company's website, social media accounts, and verified profiles online. This way, you'll see the basic information and send inquiries before you decide to sign up for their service.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Our Methodology
We chose credit repair companies with more than 10 years of experience and continue to provide services to consumers. These companies have a track record for removing millions of items and helping thousands of clients in their years in the industry.
We also looked at the pricing structure and potential costs when you sign up, such as:
- First work fees
- Service fees
- Other charges
- Promos and discounts
All companies on the list have extensive websites with a large library of news, articles, and resources. Some even feature online tools to help you with your finances.
Lastly, we considered companies that have a significant number of reviews from clients and prospects. We browsed platforms like BBB, Trustpilot, and Google Reviews, and looked for social media profiles of these credit repair companies.
Bottom Line
Whether you're dealing with poor credit or seeking guidance from seasoned professionals, these North Carolina companies offer reputable credit repair services.
You can start by doing credit repair on your own and consider signing up for a service later. Then slowly build the best habits to rebuild your credit and finances.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
References
- ^ Lexington Law. Lexington Law - Home Page, Retrieved 11/22/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ Credit Saint. About Credit Saint, Retrieved 11/22/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. About Us, Retrieved 11/22/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. About Us, Retrieved 11/22/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. The Credit People - Home Page, Retrieved 11/22/2024
- ^ The Credit People. Unbeatable Satisfaction Guarantee, Retrieved 11/22/2024
- ^ The Credit People. Plans & Pricing, Retrieved 09/16/2024
- ^ The Credit People. FAQ: Is there a discount for couples?, Retrieved 11/01/2024
Alex Mambaje is a research analyst at CreditDonkey, a credit card comparison and reviews website. Write to Alex Mambaje at mambaje@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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