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Best Credit Repair Companies in Murfreesboro

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Accelerate Credit Repair logo

Accelerate Credit Repair

2000 Mallory Lane Suite 130 – 140, Franklin, TN 37067
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  • Credit Audit

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.

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Breakthrough Financial logo

Breakthrough Financial

1301 Neelys Bend Road C22, Madison, TN 37115
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  • Credit Dispute

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.

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Chasing Dreams Financial Consultants​ logo

Chasing Dreams Financial Consultants​

Christiana, TN 37037
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  • Credit Audit

Chasing Dreams Financial Consultants​ is a woman- and veteran-owned company serving clients in Murfreesboro and the surrounding areas. It analyzes clients' current credit scores and explains how to improve their credit ratings. They also negotiate with clients' lenders to remove negative items from their credit reports. The company provides clients with access to their accounts to let them see the progress of their scores in real time. It has been in operation since 2021.

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Credit Bros logo

Credit Bros

810 Dominican Dr Suite 106, Nashville, TN 37228
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  • Credit Monitoring

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.

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Credit Factory USA logo

Credit Factory USA

2720 Clarksville Pike,, Nashville, TN 37208
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  • Credit Dispute

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.

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Credit Velocity logo

Credit Velocity

3807 Dickerson Pike Suite L, Nashville, TN 37207
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Credit Velocity helps clients in Murfreesboro get their finances back on track to better achieve their life goals, by offering credit repair and restoration programs. Its process entails analyzing clients' credit reports, gathering inaccurate and unverifiable information, creating personalized credit repair strategies, and dealing with credit bureaus. The company corrects or removes negative items—such as late payments, foreclosures, and medical bills—from clients' credit reports. Credit Velocity also provides updates and weekly education to help clients maintain or continue raising their credit scores.

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Nashville Credit Group logo

Nashville Credit Group

725 Cool Springs Blvd. Suite 600, Franklin, TN 37067
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  • Debt Consolidation

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.

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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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