Credit Repair in North Carolina

While living in North Carolina might be cheaper than the national average, a less-than-perfect credit score can still prey on your fortunes and lifestyle, much like the state’s native Venus flytrap preys on insects. Fortunately, firms offering credit repair in North Carolina can help you. But which are they, and how much do they charge for their services? And is credit repair legal in North Carolina to begin with? We’ll answer these and many other questions related to credit repair in the Old North State, so stick with us.

The Leading North Carolina Credit Repair Services

Credit Saint Logo

Credit Saint

Ranked #1 in Challenging Inaccurate Credit Data

This New Jersey-based company has been in the credit repair business since 2007, boasting an A rating from the Better Business Bureau. Apart from an aggressive team that has helped thousands of customers improve their credit scores, its credit repair service highlights include a free phone consultation and a 90-day money-back guarantee.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes 
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $99 (initial work), $79 (monthly)
Ovation Credit Services Logo

Ovation Credit Services

Take the first step to improve your credit

Established in 2004, Ovation is a LendingTree company founded by a credit repair attorney team. The Florida-based company has helped improve over 120,000 credit profiles and, apart from its top credit repair services, is known for credit education and monitoring.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $89 (initial work), $79 (monthly)
The Credit People Logo

The Credit People

Better credit, easier.

The Credit People is a Utah-based firm with over two decades of industry experience and teams offering credit repair services in a host of states. Its flagship feature is its straightforward, affordable pricing plan that includes unlimited disputes, a money-back guarantee, and many other helpful features.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $19 (setup), $79 (monthly)

 

Guard My Credit Logo

Guard My Credit

Let's Improve Your Credit Score.

Guard My Credit’s affordably priced services are backed by an A+ BBB rating and an excellent Trustpilot score. Other highlights that make it a top credit repair choice include personalized services, unlimited challenges, ID theft insurance, and a focus on credit education.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: No
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $79.99 (monthly)

 

Credit Repair Laws in North Carolina

All US credit repair services are governed by two federal laws, the Fair Credit Reporting Act, 1970, and the Credit Repair Organizations Act, 1996. Additionally, firms have to abide by the laws of the state(s) in which they are operating and companies offering credit repair services in North Carolina are no exception.

North Carolina credit repair laws are mainly covered by the Credit Repair Services Act of North Carolina, whose most essential provisions follow below.

Definition

A credit repair business means any entity that sells, provides, or performs, or represents to do so any of the following services for a fee:

These statutes don’t apply in some cases, for example, a credit repair attorney in North Carolina who offers assistance with credit in the course of their regular duties as a lawyer.

Registration and Surety

Companies providing credit repair in North Carolina must obtain a surety bond or establish a trust account worth $10,000. The bond or trust account must be in favor of the State of North Carolina. A consumer damaged by breach of contract or legal violation by a credit repair company in North Carolina may bring an action against the bond or trust account to recover damages suffered.

There are no statewide rules in North Carolina for a credit repair license. However, certain counties and cities may require a permit, local professional license, or a local tax receipt from firms to operate within their borders.

Contract

Contracts between North Carolina credit repair companies and their customers are required to include the following:

Prohibitions and Restrictions

Firms providing credit repair in North Carolina cannot:

Waivers and Relief to Consumers

Reviews of the Top North Carolina Credit Repair Companies

Credit Saint

Pros:

Cons:

Credit Saint ranks among the most prominent credit repair firms in the US. This New Jersey-based firm has a strong presence in several states and is also one of the best options for credit repair services for North Carolina residents.

A key highlight is Credit Saint’s well-designed payment plans that suit your needs irrespective of the severity of issues with your credit reports. The monthly fees for the plans—$79.99, $99.99, and $119.99—are pretty reasonable for the assortment of services you get for each tier. Credit Saint’s team is known for its aggressive dispute process, so your overall expense is likely to be lower than with most other firms.

We are not particularly concerned about the initial fee of $99 for the two lower plans. However, given the average cost of credit repair services in North Carolina, the initial fee for the highest plan ($195) appears expensive.

We also find the lowest plan’s challenge limit of five a bit impractical as it could unnecessarily force clients to opt for a higher plan in some cases. This tier does not offer credit monitoring or inquiry assistance, either; these are not critical services, but if you want to keep your expense low and still access these features, some other firms may prove a better choice.

Overall, these are minor issues, though, and for most customers looking for the best credit repair services in North Carolina, Credit Saint’s many positives make it the most viable choice.

Ovation Credit Services

Pros:

Cons:

Ovation stands out in the crowd of credit repair firms because of its pedigree. The firm is owned by North Carolina-based LendingTree, a listed and reputed financial group. Plus, with a BBB accreditation and an excellent rating, Ovation’s team easily finds a place among the best credit repair companies in NC.

The firm offers two pricing plans with clearly defined services. The Essentials plan costs $79/month and includes personalized dispute options, a personal case advisor, and several financial management tools. It doesn’t include credit monitoring, though, for which you will have to choose the Essentials Plus plan ($109/month). The higher plan also gets you unlimited challenge and goodwill letters.

With a first-work fee of just $89 for both plans and several discounts for couples, seniors, and military personnel, Ovation Credit’s plans are among the most affordable if you’re looking for credit repair in North Carolina. There’s also the option to fast-track your case with an extra payment of $25.

There are two issues with these plans, however. First, the initial free consultation is via phone and not one-on-one. Second, the firm does not offer a money-back guarantee, and its refund policy is pretty vague.

Ovation’s customer reviews are generally positive, but there’s one consistent complaint that might be responsible for the firm’s great-but-not-excellent Trustpilot score of 4.2. The firm does not offer 24/7 customer support, and many past clients have mentioned difficulties in contacting the team. Still, Ovation has enough positives to be counted among the top credit repair services in North Carolina.

The Credit People

Pros:

Cons:

If you are looking for an extremely affordable credit repair service, The Credit People might be the right option for you. Of course, the firm scores well in several other areas, too, despite a poor BBB rating.

The firm’s single payment plan, available at a monthly fee of $79 and an initial fee of $19, has few rivals in terms of affordability among other North Carolina credit repair firms. The plan includes unlimited disputes, credit monitoring, and several other services. However, given the absence of choice, you’ll have to pay this amount even if you don’t need services like debt validation and inquiry assistance. The firm could have easily offered an even lower-priced plan limited to simpler challenges.

The Credit People also has a flat rate membership at $419 with the same features as the monthly plan. While this six-month plan saves you $74, the monthly plan won’t tie you up with one firm for half a year.

The Credit People has also been around for over two decades, making it one of the most experienced among the companies offering credit repair in North Carolina. Plus, the firm has a risk-free money-back guarantee, a well-designed user portal, and several resources to help clients beyond credit repair.

On the other hand, for a firm that has been in the business for so long, The Credit People has few credible customer reviews. It does not have a Trustpilot page, and its customer rating on BBB is a dismal one out of five.

Guard My Credit

Pros:

Cons:

For customers looking for a homegrown firm with North Carolina credit repair lawyers and finance professionals, Guard My Credit presents an excellent option. As a small firm, it offers the benefit of personal attention and customized solutions. Moreover, while it may lack the numerous customer reviews of larger rivals, the few it does have are overwhelmingly positive, indicating top-quality services and high success rates.

Guard My Credit offers three payment plans—two for personal credit and one catering to business credit. The personal credit plans come in at $79.99/month for individuals and $129.99/month for families. Both plans include unlimited challenges, one-on-one consultations, and credit education.

Unlike many other credit repair services for North Carolina residents, the firm also provides ID theft insurance as part of these plans. There’s also assistance for credit building and loan approvals for customers requiring more than just basic credit repair.

On the other hand, it’s unclear if the plans include credit monitoring or whether you’ll have to shell out extra for this service. Clear information in this regard could be helpful to potential clients. Being a small, local firm, Guard My Credit also lacks the kind of experience the more prominent firms offering the best credit repair in North Carolina bring to the table.

However, we have not docked too many points for this relative inexperience because of the firm’s sterling BBB rating. As mentioned above, Guard My Credit’s customer review scores are also excellent, with a five out of five on the BBB site and 4.3 out of five on Trustpilot.

The Bottom Line

If you are looking for quality credit repair in North Carolina, pretty much any company in this selection fits the bill, so you have a good starting point. However, we also recommend doing your own research to identify the firm that suits your needs best in terms of services and budget so that you don’t end up paying for something you don’t need or miss out on a service your credit score can benefit from.