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AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros
    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
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2
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit
    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
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3
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People
    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
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4
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair
    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
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5
BBB Accredited
Credit Saint logo

Credit Saint
    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
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6
CreditRepair.com logo

CreditRepair.com
    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
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7
Most Clients Served
Lexington Law logo

Lexington Law
    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection
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A large number of the consumers in Tennessee suffer from lower credit scores through no fault of their own. While late payments and poor money management can lead to derogatory marks on your credit, inaccuracies can also pull your score down. Both credit reporting agencies and creditors often place the wrong information on consumer credit reports that can cause the score to drop as much as 100 points. If you are looking for ways to improve your credit score and get rid of erroneous entries, there is professional help available.

Overview of the credit industry in Tennessee

Tennessee is broadly seen as a very affordable US state. The average cost of living within the state is low compared to other states. This might be a factor in why the state has a lower credit card debt per person than the national average. The average person in Tennessee has $4923 of credit card debt, around $270 less than the national average.

Despite the lower-than-average costs in the state and the lower levels of credit card debt, Tennessee has a below average credit score. The average credit score in Tennessee is 701 points, 13 points less than the national average. If you're struggling with a low credit score in Tennessee, credit repair may be able to help you get back on track by removing any inaccurate entries which could be bringing down your credit score unfairly.

Laws that affect credit repair in Tennessee

State laws in Tennessee set some boundaries for credit repair companies operating within the state. The Tennessee Credit Services Businesses Act (TN ST 47-18-1001) requires that all companies providing credit repair as a service must:

  1. Have a surety bond with a minimum value of $100,000
  2. Disclose some specific information within all customer contracts
  3. Allow customers to cancel credit repair contracts within 5 business days of signing the contract, and for customers to receive a refund in full within 10 days of signing, upon request

Besides the state law, the Credit Repair Organizations Act (CROA) is a federal law that also impacts credit repair providers in Tennessee. Under this law, all companies that offer credit repair anywhere in the US must ensure they follow specific payment practices, inform customers about credit repair appropriately, and provide written contracts to all customers.

Do you need a lawyer to do credit repair in Tennessee?

Many credit repair companies operate in Tennessee. While some of these companies are law firms or do have lawyers employed, it's not necessary to work with a lawyer to get credit repair in Tennessee. This is good news for you, because it gives you more freedom to work with a company you feel comfortable with rather than having to sign on with the nearest law firm.

Credit repair process in Tennessee

There are 3 main parts to the credit repair process. In Tennessee, it looks like this:

Step 1: Collecting your personal credit reports  

each person in the US has a personal credit score that's calculated based on 3 individual credit reports. These reports are generated and compiled by 3 different credit bureaus operating in the country. You are entitled to request a free copy of your credit report from each of the different credit bureaus at least once every 12 months. You need to request a credit report from all 3 so you can have a full picture of what’s being used to calculate your credit score.

Step 2: Investigating credit report entries  

Once your credit reports arrive, either digitally or through the mail, it's time to dig in and see if there’s any information on there that’s inaccurate or fraudulent. Credit reports often contain information from the past seven years, so there might be a lot of individual entries to go through. However, considering how many credit reports contain errors, it's important to look at every entry to see that it's accurate and correct.

Step 3: Contacting credit bureaus for revisions  

When you locate a mistake on your credit report, the next step will be to send a dispute letter to the relevant credit Bureau and to request them to make appropriate changes or to remove incorrect entries entirely. You'll need to provide information to demonstrate the inaccuracy of the entry, then the credit Bureau will do their own investigation to follow up.

Note: Credit repair is no walk in the park. Communicating with credit bureaus to request changes to your credit report is difficult, with credit bureaus being hesitant to make any changes without an overwhelming amount of evidence to prove that the current report is incorrect. Working with a reputable credit repair company can help you present a better case up front and get the issue resolved more quickly.

Why Should You Hire A Professional Credit Repair Company?

While you can take some steps to fix your credit on your own, there are many benefits to leaving it up to professionals. Working with our professional Tennessee-based credit repair specialist will take the pressure off of you so that you can focus on more important things. They are able to spend more time negotiating with creditors, debt collectors, and even the credit reporting agencies to knock of derogatory marks. They also have the skills needed to get things done without having to bounce around from one department to the other day in and day out.

Recovering From Identity Theft

Identity theft is a serious issue that affects a large percentage of the population each year. While most consumers can reclaim lost funds, it takes a lot more effort to restore credit. Monitoring your credit report is the best way to prevent damage to your credit report from identity theft before it becomes severe. The problem with having your identity stolen is that not only do thieves take your money, they can also trash your credit without you having any way to stop it. Credit reporting agencies can put a freeze on your report which will alert lenders that your identity has been stolen, but this does not prevent coeditors from reporting negative transactions that were completed by the scammer. Working with a credit repair company in Tennessee will give you the tools and the skills needed to start removing derogatory marks on your credit report that are a result of identity theft.

Put An End To Harassment By Debt Collectors

Debt collectors have a habit of going for blood when they are trying to collect monies owed. As a consumer, if you are facing collections from more than one creditor, these collections efforts can really hamper your way of life. From threatening phone calls to letters demanding payment, many of these collections efforts surpass the bounds of decency and land firmly in the realm of harassment. Collections agents and companies that harass consumers for dues are actually breaking the law. The Fair Debt Collection Practices Act prohibits harassment when attempting to collect a debt from a consumer and working with a professional Tennessee credit repair company can help you assert your rights. Not only will they be able to make the harassment stop permanently, they can also work to get rid of accounts in collection on your credit report for good.

As soon as you sign up for credit repair services in Tennessee, the company you work with can stop the collections calls and letters that have been keeping you up at night. They will send out cease and desist letters so that you can focus on repairing your credit instead of worrying about avoiding calls and letters from debt collectors. In many cases, they will be able to negotiate a payoff amount that is below what is listed on your credit report. Many debt collectors will even agree to remove derogatory marks from your report once the account has been settled. In the event that paying off an account in collections is not an option, there may be other options that will help you repair your credit legally. Debt consolidation, credit card consolidation, and even debt repayment loans are all options that can be explored on the path the better credit.

Common questions and answers:

How much can you improve your credit score in Tennessee?

There's not much you can do to make your credit score increase quickly, but credit repair is an exception in Tennessee. When there are inaccurate entries on your credit reports that are negatively impacting your credit score, removing those entries through credit repair is going to have a quick and noticeable impact on your credit score calculation. This process is only available when you have inaccurate entries on your credit report, and it cannot be used to remove legitimate negative entries.

How much does it cost to fix your credit in Tennessee?

Fixing your credit through credit repair service in Tennessee is going to cost anywhere from $79 to $149 per month that the service is active. The average company charges around $120 per month, with most companies also charging an upfront contract setup fee at the beginning of the contract.

How long does the credit repair process take in Tennessee?

Credit repair is an unfortunately long process. There's no way to make it go faster, because the delays are not usually on your side of the equation. Credit bureaus may drag their feet in solving any issues you have and may not address them quickly. For this reason, credit repair in Tennessee can take between 3 to 6 months on average.

Are there any cities in Tennessee where you cannot do credit repair?

There are no cities in Tennessee that are ineligible for credit repair service. It doesn't matter if you live in a large metro like Nashville, Memphis, or Knoxville, or if you live in a smaller city like Millington, Ripley, or Rockwood, you can access the same credit repair services as anybody else.

Get help with credit repair in Tennessee:

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