Best Credit Repair Companies in Memphis

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Coleman Financials logo

Coleman Financials

5100 Poplar Avenue, Memphis, TN 38137
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  • Debt Consolidation
  • Credit Audit

Coleman Financials is a credit repair agency that is headquartered in Memphis. The company's credit repair specialists perform analysis of the report to identify any negative or inaccurate data. They challenge questionable information with the collectors, creditors, and credit bureaus. Coleman Financials has an online portal where clients can receive updates and track credit repair progress. In addition, the team also offers constant education on how to improve credit scores through credit card rebuilding and credit monitoring.

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Elite Credit Solutions logo

Elite Credit Solutions

504 North Missouri Street, West Memphis, AR 72301
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  • Credit Monitoring

Elite Credit Solutions is a company operating in Memphis. It offers credit repair services to help individuals obtain financial confidence in a wide range of areas, such as buying a new home or starting a business. The process includes a private assessment, communication with creditors, and managing documentation on behalf of the clients. Aside from full access to a client portal, the company's team of credit specialists also provides personal, business, and student financial credit advisory at any time. Notary services are also available.

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Smith Financials LLC logo

Smith Financials LLC

3145 Hickory Hill Rd #101, Memphis, TN 38115
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  • Credit Monitoring
  • Credit Audit

Smith Financials, LLC, is a credit restoration company serving the community of Memphis. It disputes eight credit bureaus, including major ones such as Equifax, TransUnion, and Experian. It provides individuals seeking credit scores with credit coaching to improve their financial literacy and help them deal with credit inaccuracies. It also assists businesses with gaining business credit. Smith Financials is helmed by Carlos D. Smith, who founded the company in 2012. It has been featured on CBS News, Fox, and CNN.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: 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.

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