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Best Credit Repair Companies in Nashville

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Accelerate Credit Repair logo

Accelerate Credit Repair

2000 Mallory Lane, Franklin, TN 37067
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  • Credit Monitoring

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.

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Credit Bros logo

Credit Bros

810 Dominican Drive, Nashville, TN 37228
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  • Credit Audit
  • Credit Dispute

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.

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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 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.

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Credit Repair Champ logo

Credit Repair Champ

201 Thompson Ln, Nashville, TN 37211
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  • Credit Audit

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.

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Reed Credit Group logo

Reed Credit Group

301 South Perimeter Park Drive, Nashville, TN 37211
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  • Debt Consolidation
  • Credit Monitoring

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.

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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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