Review 5 credit repair companies, personal lenders, and financial services in Winston Salem, North Carolina. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.
Allegacy Federal Credit Union is a member-owned financial institution offering banking services through multiple physical locations and digital channels in North Carolina.
Profile signals: North Carolina residents seeking traditional banking services with local branch access and digital convenience options, Credit union members valuing member-owned cooperative governance and democratic institutional participation
Nonprofit credit counseling and HUD-approved housing advisor serving since 1974. Offers free debt relief, credit building, and homeownership guidance through certified counselors.
Profile signals: Consumers seeking free, unbiased financial education and debt management planning without sales pressure, First-time homebuyers exploring down payment options and pre-purchase mortgage education
HUD-certified non-profit providing free homebuyer education, counseling, and mortgage problem resolution to help families achieve homeownership through the Center for Homeownership program.
Profile signals: First-time homebuyers in Winston-Salem with limited down payment savings or credit knowledge, Low-to-moderate income families facing barriers to homeownership such as credit issues or lack of financial literacy
Non-profit financial counseling organization offering credit, housing, and debt management services through trained, certified counselors serving the Piedmont region.
Profile signals: Seniors (60+) seeking personalized financial management and independent living guidance through Senior Financial Care®, Homebuyers needing down payment assistance and HUD-approved homeownership education
Piedmont Federal is a FDIC-insured mutual savings bank offering checking, savings, loans, and mortgages with over 100 years of local community focus.
Profile signals: Consumers in North Carolina seeking personalized mortgage and lending services with local relationship banking, Small business owners (sole proprietors, LLCs, corporations) prioritizing community reinvestment and local business support
Nonprofit credit counseling and HUD-approved housing advisor serving since 1974. Offers free debt relief, credit building, and homeownership guidance through certified counselors.
Profile signals: Consumers seeking free, unbiased financial education and debt management planning without sales pressure, First-time homebuyers exploring down payment options and pre-purchase mortgage education
HUD-certified non-profit providing free homebuyer education, counseling, and mortgage problem resolution to help families achieve homeownership through the Center for Homeownership program.
Profile signals: First-time homebuyers in Winston-Salem with limited down payment savings or credit knowledge, Low-to-moderate income families facing barriers to homeownership such as credit issues or lack of financial literacy
Non-profit financial counseling organization offering credit, housing, and debt management services through trained, certified counselors serving the Piedmont region.
Profile signals: Seniors (60+) seeking personalized financial management and independent living guidance through Senior Financial Care®, Homebuyers needing down payment assistance and HUD-approved homeownership education
Allegacy Federal Credit Union is a member-owned financial institution offering banking services through multiple physical locations and digital channels in North Carolina.
Profile signals: North Carolina residents seeking traditional banking services with local branch access and digital convenience options, Credit union members valuing member-owned cooperative governance and democratic institutional participation
Piedmont Federal is a FDIC-insured mutual savings bank offering checking, savings, loans, and mortgages with over 100 years of local community focus.
Profile signals: Consumers in North Carolina seeking personalized mortgage and lending services with local relationship banking, Small business owners (sole proprietors, LLCs, corporations) prioritizing community reinvestment and local business support
North Carolina Consumer Protections: North Carolina banned payday lending in 2001, becoming one of the first states to do so. Consumer finance companies are regulated with rate caps. Consumers can file complaints with the Commissioner of Banks or the Attorney General's Consumer Protection Division.
Interest Rate Cap: North Carolina usury cap: 8% general; 30% for consumer finance loans under $10,000; payday lending banned since 2001. Payday lending is banned in this state.
Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).
Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with North Carolina Attorney General Consumer Protection Division.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
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