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Best Credit Repair Companies in Murfreesboro

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 Murfreesboro 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

Murfreesboro, TN Rating

Why choose this provider?

Credit Repair Finest offers its services to residents in the Murfreesboro metro who need financial guidance. It helps clients in credit-related matters, such as fixing bad scores. The business provides credit management, enabling people to increase their ratings and get loans for residences and cars. It maximizes scores through rent, cellular, and utility payment reports for the purpose of long-term credit enhancement. The company also offers one-on-one coaching. Credit Repair Finest is a minority-owned local business.

  • Credit Monitoring

Murfreesboro, TN Rating

Review Sources

4.8 (8775)
2.5 (26)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

  • Credit Restoration
  • Credit building
  • Money Back Guarantee
  • Credit Audit
  • Credit Repair

1301 Neelys Bend Road C22, Madison, TN 37115 Rating

Why choose this provider?

Breakthrough Financial offers credit repair solutions to customers in Murfreesboro and its nearby areas. The firm delivers 15-minute credit analysis consultations through internet conferencing. The office performs monitoring tasks and delivers 24/7 client portal access to allows individuals to see their up-to-date information from different devices. It also disputes erroneous records. Breakthrough Financial's target market includes young individuals. It provides educational services to teach youthful debtors how to maintain healthy ratings and solvency.

  • Credit Dispute

2720 Clarksville Pike,, Nashville, TN 37208 Rating

Review Sources

5.0 (6)

Why choose this provider?

Credit Factory USA caters to individuals in Murfreesboro and nearby locations. Its team of professionals uses conventional dispute methods to help clients remove negative histories that can affect their credit scores. The company deals with various credit problems related to judgments, tax liens, late payments, collections, and bankruptcies. It conducts consultations to determine customers' credit status and length of credit history. Credit Factory USA works with various reporting agencies, such as TransUnion, Experian, and Equifax.

  • Credit Dispute

725 Cool Springs Blvd. Suite 600, Franklin, TN 37067 Rating

Review Sources

4.5 (183)
4.4 (14)

Why choose this provider?

Nashville Credit Group is a Franklin-based firm serving individuals in and around the Murfreesboro area. Its credit restoration process involves pulling out and evaluating clients' reports from the three major credit bureaus. The firm also sends dispute letters to remove negative items from reports. During the process of repairing credit, the company also teaches clients techniques that will help in the prevention of incurring more negative items. Nashville Credit Group is led by Frank Kriticos, who has mortgage banking experience.

  • Debt Consolidation

2000 Mallory Lane Suite 130 – 140, Franklin, TN 37067 Rating

Review Sources

5.0 (4)

Why choose this provider?

Accelerate Credit Repair caters to the residents of Murfreesboro and the surrounding areas. Its specialists repair clients' scores by removing harmful and derogatory items from their credit reports. They also provide clients with access to a 24/7 online portal to stay informed about the credit repair process. The company employs over 20 customer service representatives and credit consultants to assist clients with their credit concerns. Accelerate Credit Repair has served thousands of families in over a decade.

  • Credit Audit

810 Dominican Dr Suite 106, Nashville, TN 37228 Rating

Review Sources

4.1 (9)

Why choose this provider?

Credit Bros operates in and around the Murfreesboro metro. It offers personalized credit repair options that help its clients qualify for better interest rates and financing terms. Some of the services it comes with include monthly updates, unlimited disputes, three bureau audit-analysis, and credit education and building. It improves credit scores by disputing or removing records of late payments, foreclosures, charged-off accounts, short sales, bankruptcy, and repossessions. Credit Bros has built relationships with FCRA attorneys for referrals with regard to client rights.

  • Credit Monitoring


  • 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.

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