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📍 South Carolina State House · South Carolina
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Based in the Upstate · Serving the whole stateCredit Repair in South Carolina

Masters Credit Consultants is a South Carolina company. We help residents from the Upstate to the coast review their credit reports, challenge inaccurate items and get ready to buy a home.

  • Free review of all three credit reports, with no obligation
  • A South Carolina team: work with us by phone or online
  • Help preparing for SC Housing and other homebuyer programs
Schedule a Consultationor call (844) 620-8796
Free · No obligation

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Takes about 30 seconds. Checking your credit with us will not lower your score.

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South Carolina cities we serve

Find credit help in your city

Each city page covers local credit data, housing costs and the questions we hear most from residents there.

GreenvilleCredit restoration & loan readinessSpartanburgCredit repair & homeownership readinessAndersonCredit report errors & credit buildingSimpsonvilleCredit improvement & mortgage readinessBoiling SpringsFirst-time homebuyer preparationColumbiaCredit repair & military family readinessCharlestonCredit repair in the LowcountryMyrtle BeachCredit repair on the Grand StrandFlorenceCredit repair in the Pee DeeOrangeburgCredit repair in the Midlands
South Carolina credit snapshot

Nearly 1 in 3 South Carolinians has debt in collections

According to the Urban Institute’s latest release (credit data from August 2026), South Carolina residents are more likely than the average American to have an account in collections.

31%
have debt in collections
U.S. average: 24%
$2,970
median amount in collections
U.S. median: $2,913
8%
delinquent on auto or retail loans
U.S. average: 6%
18%
student loan delinquency rate
U.S. average: 16%

Source: Urban Institute, Debt in America: An Interactive Map, updated Nov. 10, 2026 (credit data from August 2026). Shares are of people with a credit record. Red marker = U.S. average.

What this means for you

Statewide averages don’t describe your file. But because collections are so common, they’re worth checking closely: wrong balances, duplicate listings and accounts past the 7-year reporting limit are some of the errors we see most.

  • Medical collections. The three bureaus no longer report paid medical collections or medical collections under $500.
  • You can dispute for free. The Fair Credit Reporting Act gives you that right. We do the work and follow up for you.

Have collections or late payments?

We’ll check whether each item is accurate, complete and verifiable, and tell you honestly what’s worth disputing.

Get My Free Credit Analysis

Buying a home in South Carolina

Get mortgage-ready before you apply

South Carolina’s median home value is $259,000, and about 72% of homes are owner-occupied. Whether you’re buying your first home or moving up, your credit profile affects approval, your rate and which assistance programs you qualify for.

What lenders look at first

1. Payment history

Recent late payments weigh most. A year of on-time payments can change how an underwriter sees your file.

2. Revolving balances

High card balances compared with your limits can pull scores down. Paying them down before you apply often helps quickly.

3. Report accuracy

One misreported late payment or duplicate collection can push you into a worse rate tier.

4. Program requirements

Minimum scores and debt-to-income limits vary by loan program and lender. FHA loans, for example, allow 3.5% down with a score of 580 or higher.

Down payment help. SC Housing offers forgivable down payment assistance through participating lenders, and its 2026 Palmetto Heroes program offered $10,000 to eligible first-time buyers who are public servants, including teachers, nurses, first responders, veterans, active-duty military and National Guard members. Funds are limited, and each program has its own credit and income rules. See SC Housing programs.

Buying in the Upstate?

For buyers looking in Greenville, Spartanburg and surrounding Upstate communities, Rebecca Wallace with Keller Williams Greenville Central can help you search homes once your credit is ready.

Explore Upstate communities →First-time homebuyer guide →Search homes for sale →
Rebecca Wallace, SC Real Estate License #103767, Keller Williams Greenville Central, (864) 400-4100. Masters Credit Consultants and Rebecca Wallace Real Estate are affiliated businesses. You’re never required to use any particular real estate agent or lender.

Find out what to fix before you apply for a mortgage.

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GuideCheck your credit before buying a homeStep by stepHow credit affects homebuying approvalFAQCan you buy a house with collections?RentersDoes rent reporting build credit?
What happens after you submit

Four steps from first call to a clear plan

We call you

A specialist reaches out within 1 business day to learn your goals and timeline.

We review all 3 reports

We look for errors, outdated accounts, duplicate collections and anything that can’t be verified.

You get a written plan

What to dispute, what to pay down, what to leave alone, and the order to do it in.

You decide

Enroll, or take the plan and do it yourself. Either way, there’s no cost for the analysis.

South Carolina credit repair FAQ

Common questions

Is credit repair legal in South Carolina?
Yes. You have the right to dispute inaccurate information yourself at no cost, and you can also hire a company to help. Credit repair companies must follow the federal Credit Repair Organizations Act and South Carolina law. MCC is licensed and bonded in South Carolina.
Do I need to live near your office?
No. We work with clients anywhere in South Carolina by phone, email and a secure client portal.
How long does credit repair take?
The bureaus generally have 30 days to investigate a dispute (up to 45 in some cases). Timelines depend on how many items are involved and how creditors respond. Results vary, and no one can legally guarantee a specific score or deletion.
Can you help me qualify for SC Housing programs?
We can help you understand and improve your credit before you apply. SC Housing and its participating lenders set the actual credit, income and price requirements.
How much does it cost?
The credit analysis is free. If you choose to enroll, you can compare our packages. We can’t charge for services before they’re performed, and you can cancel within three business days of signing.

Ready to see what’s on your credit report?

Get a free, no-obligation credit analysis from a South Carolina team. We’ll explain what we find in plain English.

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✓ No obligation✓ Won’t affect your score✓ 90-day guarantee (terms)✓ Confidential✓ Founded in 2014
Masters Credit Consultants, LLC, founded in 2014, is a credit services organization, not a law firm, lender or credit bureau. Results vary and are not guaranteed. You have the right to dispute inaccurate information in your credit report yourself, free of charge, by contacting the credit bureaus directly. Local statistics are county, city or state averages from the sources cited and don’t describe any individual’s credit.
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