AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros

    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit

    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People

    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair

    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
BBB Accredited
Credit Saint logo

Credit Saint

    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
CreditRepair.com logo


    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
Most Clients Served
Lexington Law logo

Lexington Law

    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection

For those dealing with bad credit, it is easy to be swayed with promises of an easy fix. We are sure you have heard advertisements on the radio or maybe have noticed them on television. Before jumping at the first offer for help you see, it is important to do your research to avoid falling into a credit repair trap. There are a lot of resources available in North Carolina to help you repair your credit on your own as well as those dedicated to connecting you with reliable credit repair companies that will advocate on your behalf.

Overview of the credit industry in North Carolina

The cost of living in North Carolina is right around the national average. While it’s not one of the cheapest states in the country, it’s also not a very expensive state to live in. The levels of credit card debt per person reflect this reality, with the average person have $5,151 in credit card debt. This is just $42 lower than the national average.

On the same trend as the debt and cost of living, North Carolina’s average credit score is close to the US average. At 707, it’s just 7 points under the US average of 714. While 707 is a respectable credit score, there’s always room for improvement, especially if your credit score is lower than average. Credit repair is a service that removes or updates inaccurate entries on your credit report, so your credit score can be calculated on accurate information only.

Laws that affect credit repair in North Carolina

In North Carolina, the Credit Repair Services Act (NC Gen Stat 66-220) is a law that addresses credit repair companies. Under this law, all such companies will need to:

  • Have a surety bond worth no less than $10,000
  • Allow for cancellation of contracts within 3 business days of signing them
  • Provide a refund in full if requested by the customer within 10 days of signing the contact
  • Include specific disclosures within the contract

All companies doing credit repair in North Carolina also need to follow regulations laid out in the Credit Repair Organizations Act (CROA). This is a federal law that requires credit repair companies to provide written contracts to all customers, limits how they can advertise the service, and restricts how payments to after the service is provided.

Do you need a lawyer to do credit repair in North Carolina?

It’s not necessary to work with a lawyer if you need credit repair in North Carolina. The state does not require credit repair to be done by a lawyer or law firm, so you can work with any company you want, no matter if they have legal qualifications or not. As long as you choose to work with a company that has a good reputation and experience with credit repair, you can end up with a good result.

Credit repair process in North Carolina

In North Carolina, the credit repair process boils down to 3 main steps:

Step 1: Make requests for your credit reports  

Credit reports are records that hold information relevant to your credit usage, including payment history, open credit accounts, and more. These reports provide the information used to calculate your credit score, so they’re an essential part of understanding what’s happening with your credit. Credit reports art compiled and maintained by 3 different credit bureaus in the US, all of which are required by law to provide you with a free copy of your credit report every 12 months, upon request.

Step 2: Analyze credit reports for issues

Once you’ve received your credit reports, it’s time to look them over for anything that’s inaccurate or incorrect. Unfortunately, it’s very common for credit reports to have mistakes, whether they’re from simple data entry errors or fraudulent use of your personal information. By checking up on your credit reports annually, you can keep things from getting out of hand and deal with any inaccuracies as they come.

Step 3: Contact credit bureaus for disputes  

When inaccurate or incorrect information appears on your credit reports, you need to contact the credit bureaus in charge of those reports to dispute the entries. Credit bureaus are the only ones who can change or remove information on a credit report, so this dispute process is necessary to resolve whatever issues you find. Dispute letters can only be issues for legitimately inaccurate information, and they need to include evidence to support your claims.

Note: Credit repair is simple, but not straightforward. The process is easy enough to understand, but going through it is harder than you think. That’s where a credit repair company comes in. They can walk you through everything and help you follow the process correctly from the start, leading to a higher chance of success without as much back-and-forth.

Is Credit Repair Actually Possible?

When you have bad credit, it can be hard to get approved for even a basic line of credit. After being turned away so often it is easy to fall into despair thinking that there is no solution to get you out of your current bad credit cycle. However, it is possible to fix your credit and even rebuild your score. There is no quick way to repair your credit. In order to fix your score legally, it takes time, effort, and proper financial management. You can work on many aspects of your credit on your own such as working to make your payments on time and paying off accounts in collections. Hiring a credit repair company to advocate on your behalf is another option. They will work to get rid of erroneous entries, challenge inaccurate or old accounts, and also work with collections agents to get settle debts that are dragging you down.

Does Bad Credit Really Keep You From Getting Approved?

When you have a poor credit score it can be hard to qualify for loans or even certain lines of credit. However, just because you have a bad score doesn’t mean you will be automatically denied. Lenders all have their own criteria when it comes to approving a person's application for a loan, line of credit, or housing. Some companies will look at your credit report and make a decision based on your recent history. Others will look at the type of debt or negative marks you have on your report instead of your score. If you are not sure what a company will consider, you can always ask them about their lending standards before you place an application.

To better understand what we mean, consider this example. Say that you are interested in buying a new car, but your score is being pulled down by medical debt. If your other open accounts are all in good standing, the lender may still extend a line of credit for your purchase. Another example is when a person has old charge-offs on their credit report. These marks tend to linger on your report for years, even when you have maintained a good payment history ever since. A lender may ignore the charge-off or bankruptcy by taking your current payment history into account. It is always good to check your credit and consult with a North Carolina credit repair company before placing an application.

Common questions and answers:

How much can you improve your credit score in North Carolina?

Credit scores can be massively improved by credit repair in North Carolina if your current score is being affected by inaccurate information on your credit report. Having these inaccuracies corrected makes it so your credit score is being calculated only based on legitimate, up-to-date entries. This gives you a clearer path forward in fixing your credit score, making your efforts actually count.

How much does it cost to fix your credit in North Carolina?

If you’re going through the credit repair process, you can expect to pay somewhere between $59 - $199 per month, with the normal average being $129 per month. It’s charged on a monthly basis because the time it takes to complete the process varies so widely.

How long does the credit repair process take in North Carolina?

Credit repair takes an average of 3 – 6 months from start to finish. This is wide time range because the credit repair process can run into a lot of delays, especially considering how much communication is needed with different parties throughout the whole ordeal. Credit bureaus need to respond to legitimate disputes letters within 30 days, but there will likely be some back-and-forth after this to finalize the issue.

Are there any cities in North Carolina where you cannot do credit repair?

You can access credit repair from anywhere in North Carolina because there are no restrictions based on location within the state. Large cities like Charlotte, Raleigh, Greensboro, or Durham have the same options for credit repair as smaller cities like Sanford, Hillsborough, or Edenton. Companies that are following federal and state laws to operate in North Carolina can offer their services statewide.

Get help with credit repair in North Carolina:

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