Best Credit Repair Companies in Tennessee (2026)
Tennessee has local credit repair companies in several markets, with options in Clarksville, Memphis, Franklin, Goodlettsville, Jackson, Nashville, and other areas.
Prices and service models differ. Some companies publish monthly or package pricing, while others require a consultation before they quote a fee. Tennessee also regulates credit services businesses, so consumers can check state requirements before signing up.
Below are our national credit repair company picks, followed by Tennessee companies with current credit repair services.
Credit Saint
Sky Blue Credit Repair
The Credit People
Credit Repair Companies in Memphis and Nashville
Tennessee’s two largest credit repair markets have their own local guides. See our pages for credit repair companies in Memphis and credit repair companies in Nashville for additional providers in those cities.
Other Credit Repair Companies in Tennessee
The companies below serve consumers from Clarksville, Memphis, Franklin, Goodlettsville, Jackson, and other parts of Tennessee.
First-Take Financial Services
First-Take Financial Services serves Clarksville through owner and credit specialist Jatavious Jackson.
The business provides credit repair alongside tax preparation and notary services. Jackson’s current website says his credit repair work began with disputes involving inquiries and collections and later expanded to other negative credit report information.
Clients can request a free quote through the website. The company does not publish a standard credit repair price, contract term, or monthly fee on its public pages, so ask for the full payment schedule before signing an agreement.
Email: [email protected]
My Credit Repair
My Credit Repair maintains a Memphis page with an address at 3459 Carrington Road.
The company says it has worked with clients since 2000. Its listed credit services include a credit building consultation and credit score analysis. The site says the company reviews each client’s circumstances and works on financial errors that may affect the client’s credit profile.
The Memphis page does not publish pricing, a contract length, or details about how often disputes are submitted. Those are worth asking about before enrollment.
Accelerate Credit Repair
Accelerate Credit Repair serves consumers from an office at 2000 Mallory Lane in Franklin.
The company reviews credit reports for questionable negative information and prepares disputes concerning information the client believes is inaccurate, erroneous, obsolete, or unverifiable.
Accelerate states that it does not recommend disputes against information a client knows to be accurate. It also states that it does not create alternative credit identities.
Its payment policy is especially relevant in Tennessee. The company says it charges after the contracted work has been completed rather than before the work is performed.
Accelerate offers a free consultation. Its public website does not provide a complete current price schedule, so consumers should request the total cost and billing terms in writing.
Email: [email protected]
Wesley Credit Repair
Wesley Credit Repair operates from Goodlettsville and provides credit repair services through Wesley Group.
Its website gives clients access to a secure credit repair portal and states that the company works with credit report information that a client identifies as erroneous, false, misleading, or unverifiable.
Wesley Credit Repair also publishes a Tennessee cancellation notice. It states that consumers may cancel a credit repair agreement without penalty before midnight on the fifth business day after signing.
The notice says any payment that must be returned after a timely cancellation will be refunded within 10 days after the company receives the cancellation notice.
The company does not publish a standard credit repair price on its main public pages. Ask for the complete fee schedule before signing a contract.
KSSG Legacy Wealth Group
KSSG Legacy Wealth Group operates from Jackson and provides credit repair services as part of its financial services business.
Its credit repair materials describe credit report review, dispute work, corrections, and consultations. The company also provides credit education and separate training for consumers who want to learn more about credit repair.
KSSG publishes several service options through its online intake system. Those include a $100 single dispute-round option, a $250 three-month credit consultation, and a $500 six-month credit consultation.
The company’s intake materials state that credit score increases are not guaranteed. They also describe the business as licensed and bonded.
Consumers should independently confirm current Tennessee licensing and bond status with the Tennessee Department of Commerce and Insurance before enrolling with any credit repair company, including one that states on its own website that it is licensed.
How to Choose a Credit Repair Company in Tennessee
Start by comparing the total cost, not just the first advertised payment. Look for setup fees, monthly charges, credit monitoring costs, and package fees.
Ask how disputes are handled. Find out whether the company reviews all three credit reports, how often it sends disputes, whether creditor communication is included, and how you receive progress updates.
Tennessee also regulates credit services businesses. Check the company’s current status before enrolling and make sure the contract gives you the state cancellation period.
Do not rely on promises of guaranteed deletions or a specific credit score increase. A refund policy is not the same as a guaranteed credit repair result.
Tennessee Credit Repair Laws
Tennessee requires covered credit services businesses to register with the state. The definition includes businesses that accept payment to improve a consumer’s credit record, credit history, or credit rating.
Covered businesses must maintain a $100,000 bond.
Tennessee also gives consumers five business days to cancel a credit services contract. That is longer than the three-business-day cancellation period commonly associated with federal credit repair law.
State law generally restricts payment before promised services have been completed. Tennessee permits certain approved installment arrangements that can run for no more than six months.
Before enrolling, check the company’s current state status and read the written contract for the total price, payment schedule, cancellation terms, and services.
How We Evaluated Credit Repair Companies in Tennessee
We looked for Tennessee companies with current first-party websites, active credit repair services, current contact information, and a supportable state presence.
We reviewed published pricing, payment structures, credit report dispute services, contract terms, cancellation policies, guarantees, and other useful service details when those facts were public.
Tennessee registration and bonding requirements also formed part of the review.
Frequently Asked Questions
Covered credit services businesses generally must register with the Tennessee Department of Commerce and Insurance.
Tennessee requires covered credit services businesses to maintain a $100,000 bond.
Tennessee gives consumers five business days to cancel a covered credit services contract.
Costs differ widely. Some Tennessee companies publish monthly fees or package prices, while others provide a quote after reviewing your credit reports.
Read the payment terms carefully and ask what completed service the fee covers. Tennessee and federal law both place restrictions on payment timing.
No. Tennessee also has credit repair providers in places such as Clarksville, Franklin, Goodlettsville, and Jackson. We maintain separate local pages for Memphis and Nashville because those markets have additional options.