Monday - Friday10AM - 8PM
Saturday10AM - 2PM
LocationMemphis, TN
Call Us(901) 443-2412
GET THE RESULTS YOU NEED TO IMPROVE YOUR CREDIT

Repair Your Credit With
The Experts

Your credit is your lifeline to wealth.
GET THE RESULTS YOU NEED TO IMPROVE YOUR CREDIT

Repair Your Credit With
The Experts

Your credit is your lifeline to wealth.
STEP ONE

Enroll

We'll give you a professional consultation and credit analysis to see if you are a good fit for our credit repair program.
STEP TWO

Learn New Strategies!

We have a wide assortment of credit-building tools that put you in a position to maximize your credit score!
STEP THREE

See Results

Log in to your personal dashboard where you can see real-time progress and results every step of the way.
HOW WE CAN HELP YOU

We Help Improve Your Credit Scores
By Removing:

Collections Accounts
A collection refers to the general debt recovery process of reimbursing unpaid and past-due credit loans from the consumer in debt, on behalf of the lender. Such process is normally performed by specialised DRAs (Debt Recovery Agencies), which act on lender’s behalf in exchange of an interest, which is to be requested from the creditor or from the debtor, depending on the collection agencies’ terms and policy.
Repossessions
A repossession is a process where an auto lender can take back possession of your vehicle, sometimes without warning you in advance or having permission from the court. There are two major types of repossession—voluntary and involuntary repossession. Voluntarily repossession is when you give your car back to the lender, for example, because you can no longer afford to make the monthly payments.
Charge offs
A charge-off or chargeoff is a declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors make this declaration at the point of six months without payment. A charge-off is a form of write-off
Late payments
A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.
Hard Inquiries
A hard inquiry is a type of credit information request that includes a borrower's full credit report and deducts points from a borrower's credit score. These types of inquiries are used in credit approvals and background checks.
And More!
Foreclosures, Short Sales, Bankruptcies, Tax Liens, Repossession, Judgments, Personal + More!
HOW WE CAN HELP YOU

We Help Improve Your Credit Scores
By Removing:

Collections Accounts
A collection refers to the general debt recovery process of reimbursing unpaid and past-due credit loans from the consumer in debt, on behalf of the lender. Such process is normally performed by specialised DRAs (Debt Recovery Agencies), which act on lender’s behalf in exchange of an interest, which is to be requested from the creditor or from the debtor, depending on the collection agencies’ terms and policy.
Repossessions
A repossession is a process where an auto lender can take back possession of your vehicle, sometimes without warning you in advance or having permission from the court. There are two major types of repossession—voluntary and involuntary repossession. Voluntarily repossession is when you give your car back to the lender, for example, because you can no longer afford to make the monthly payments.
Charge offs
A charge-off or chargeoff is a declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors make this declaration at the point of six months without payment. A charge-off is a form of write-off
Late payments
A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.
Hard Inquiries
A hard inquiry is a type of credit information request that includes a borrower's full credit report and deducts points from a borrower's credit score. These types of inquiries are used in credit approvals and background checks.
And More!
Foreclosures, Short Sales, Bankruptcies, Tax Liens, Repossession, Judgments, Personal + More!
Our Money Back Guarantee

We Have The Best 100%
Money Back Guarantee

90 Day money-back guarantee. If you don't see any results within your first 90 days, you'll receive 100% of your money back, including the enrollment fee.
Our Money Back Guarantee

We Have The Best 100%
Money Back Guarantee

90 Day money-back guarantee. If you don't see any results within your first 90 days, you'll receive 100% of your money back, including the enrollment fee.
SAVE WITH OUR PRICING PACKAGES

Credit Repair
Made Affordable

Other Credit Repair companies charge an average of $300 per deleted item, which can become expensive quickly, considering the average credit report has 11 items that could be removed. We made it affordable by providing UNLIMITED disputes and deletions for a fraction of the cost.
$99/m
$149 Enrollment
Month-To-Month
  • Unlimited Disputes
  • Unlimited Deletions
  • Flat Monthly Rate *No Contract*
  • 24/7 Client Portal Access
  • Monthly Credit Analysis
  • Industry Leading Service
$179/m
$279 Enrollment For Both
Couple's Month-To-Month
  • Unlimited Disputes
  • Unlimited Deletions
  • Flat Monthly Rate *No Contract*
  • 24/7 Client Portal Access
  • Monthly Credit Analysis
  • Industry Leading Service
IMPROVE YOUR CREDIT SCORE

Searching for a First-Class Credit Repair Company?

Frequently Asked
Questions

Is Credit Repair legal?

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Is Credit Training and Education worth my time and money?

Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

What can I expect when I enroll in Credit Education?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

What is your 100% Guarantee?

90 Day Money Back Guarantee if no score improvement.  The guarantee is voided by new collection/charge offs/ derogatory items being added to the credit report.

How long will it take to raise my score?

Raising your credit scores doesn’t happen overnight. It is a process that can last up to 6 months depending on how many negative items to dispute.

Why are your results different?

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report. Each client has unique challenges. We plan a strategy that is detailed personally for you.

Will the removed items come back?

Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.

What items can you help me to remove and improve?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

THE CREDIT FIRMOur Mission
Our mission is to provide exceptional leading credit repair and impeccable customer service at an affordable price to help consumers with credit issues restore/build their credit and create strong credit foundations upon which they can achieve their financial goals and move toward the best possible future.
OUR LOCATIONSWhere to find us?
Memphis, TN
GET IN TOUCHThe Credit Firm Social links
THE CREDIT FIRMOur Mission
Our mission is to provide exceptional leading credit repair and impeccable customer service at an affordable price to help consumers with credit issues restore/build their credit and create strong credit foundations upon which they can achieve their financial goals and move toward the best possible future.
OUR LOCATIONSWhere to find us?
Memphis, TN
GET IN TOUCHThe Credit Firm Social links
Follow us for credit tips and customer service.

All Rights Reserved. The Credit Firm.

Website proudly built and hosted by JDiazBusiness.

All Rights Reserved. The Credit Firm.

Website proudly built and hosted by JDiazBusiness.