Last updated:

Best Credit Repair Companies in Nashville, TN

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Nashville Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

Nashville, TN Rating

Review Sources

4.8 (10602)
2.2 (30)

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair
Lexington Law logo


Nashville, TN
Free Credit Report Consultation Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Credit Repair
  • Consumer Credit Services

201 Thompson Ln, Nashville, TN 37211 Rating

Review Sources

5.0 (8)

Why choose this provider?

Credit Repair Champ is a company serving customers in Nashville and the surrounding areas. Its team of credit specialists strives to improve clients' credit scores by mediating between them and their creditors and performing a range of services, like a credit report audit that looks into negative and questionable items in a clients' credit score. The company can also dispute, remove, or correct any unverifiable items on the report. Credit Repair Champ also conducts credit education and consulting.

  • Credit Audit

301 South Perimeter Park Drive, Nashville, TN 37211 Rating

Review Sources

5.0 (11)
5.0 (4)

Why choose this provider?

Reed Credit Group is a Nashville-based credit repair service that has worked with over 100 clients in and around the local area. The company can perform analyses on the audits done by the three major credit bureaus, educate clients on credit-related matters, and write letters disputing errors in the client's credit report. In addition, it offers credit-building services. Latoya Reed, CEO of Reed Credit Group, has authored an e-book that describes methods on what factors affect credit scores and how to manage them.

  • Debt Consolidation
  • Credit Monitoring

2000 Mallory Lane, Franklin, TN 37067 Rating

Why choose this provider?

Accelerate Credit Repair serves Tennessee locals in Nashville and Franklin. This credit repair firm offers fully personalized credit audit, restoration, and building solutions. Its team of FICO® certified credit experts is adept at evaluating credit reports and identifying hidden errors and questionable items. Clients also have 24/7 access to customer support via the company portal. For over 10 years, Accelerate Credit Repair has been striving to bring financial relief to families suffering from the effects of disparaging credit afflicting their finances.

  • Credit Monitoring

2720 Clarksville Pike, Nashville, TN 37208 Rating

Review Sources

4.0 (46)
5.0 (6)

Why choose this provider?

Credit Factory USA is a credit repair company that offers its services to clients in Nashville. It makes a plan to try to improve its clients' credit by disputing questionable items to credit reporting agencies, creditors, and lenders. Credit Factory USA can also help in removing late payments, collections, charge-offs, bankruptcies, judgments, and tax liens. Moreover, it deals with repossessions, identity theft, fraud, incorrect personal information, foreclosures, and garnishments, which are probable causes of a bad credit rating.

  • Credit Dispute

810 Dominican Drive, Nashville, TN 37228 Rating

Review Sources

4.5 (20)

Why choose this provider?

The Credit Bros is a veteran-owned company that offers credit repair services to individuals in Nashville and its neighboring communities. The business helps its customers improve their credit scores by removing certain items, such as collections, late payments, tax liens, charged-off accounts, and short sales. It also utilizes FCRA and FDCPA laws in analyzing if the creditors adhere to them. In addition, The Credit Bros gives its clients tools and tips about credit through email and video training sessions.

  • Credit Audit
  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Nashville, TNFree Credit Evaluation
Lexington Law
Nashville, TNFree Credit Report Consultation
Credit Repair Champ
201 Thompson Ln, Nashville, TN 37211
Reed Credit Group
301 South Perimeter Park Drive, Nashville, TN 37211
Accelerate Credit Repair
2000 Mallory Lane, Franklin, TN 37067
Credit Factory USA
2720 Clarksville Pike, Nashville, TN 37208
Credit Bros
810 Dominican Drive, Nashville, TN 37228


  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

Related Articles


How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...