Honest credit restoration for individuals and small-business owners in North Carolina. We dispute inaccurate items round-by-round under federal CROA rules — billed monthly in arrears, no setup fee, cancel anytime, with a federal 3-day right to cancel after signing.
Four steps. No rush. We've got time, and we'll get you back to clear water.
Tell us what's going on. We review your tri-bureau report, identify what we can move, and tell you honestly whether we can help — or if DIY is the right answer for your situation.
Sign the CROA-required service contract with your statutory 3-day right to cancel. No payment until services begin. Federal law forbids upfront fees — we agree.
Formal letters to Equifax, Experian, and TransUnion each round. Bureaus have 30 days to verify or remove. We track everything and keep you in the loop.
Bi-weekly check-ins, score tracking across all three bureaus, escalation rounds for stubborn items — and you only pay after each month of service is delivered.
Every plan includes the same foundation. What changes between tiers is volume, speed, and whether we cover business credit too.
Formal CROA-compliant letters to Equifax, Experian, and TransUnion each round. Every response tracked. Every escalation documented.
For furnishers that need pressure beyond the bureaus, we contact creditors directly with FDCPA-compliant documentation requests.
All three bureau scores tracked monthly, deltas reported, items moved documented. You see exactly what's working.
Bi-weekly check-ins from a real human. Honest communication. The kind of attention you'd hope for from a professional whose name is on the door.
LLC owners get D&B, Experian Business, and Equifax Business dispute work plus tradeline-building guidance.
No long-term contract. Statutory 3-day cancellation right after signing. Month-to-month thereafter. You work with us because you want to.
Monthly billing in arrears — you only pay for service already delivered. Cancel anytime. No setup fee.
Consumer Credit File Rights Under State and Federal Law: You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old (10 years for bankruptcies). You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee, however no fee may be charged if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting agencies.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
Island Credit Counseling does not guarantee any specific outcome. All services are billed in arrears — no payment is collected before services are rendered, in compliance with CROA section 404. Results vary based on individual credit history and bureau response. Island Credit Counseling does not provide debt consolidation, debt management, or debt adjusting services.