Honest credit repair · Memphis, TN
You've been told no enough. Let's fix the file.
The mortgage that fell through. The car at 24 percent. The apartment that went to someone else. You know what's on your credit report is holding you back; you're just not sure what to do about it. Here's the truth: you could fix a lot of it yourself, for free, and I'll show you how. And when you'd rather hand it to someone who does this every day, with a real strategy and the patience to see it through, that's me. — Laura Martin
No promises you can't trust. No contract you can't leave. Nothing billed before the work is done. That's the law, and it's also just how I'd want to be treated.
The honest truth
Three things nobody in this industry wants to tell you.
You've probably been pitched before. Guaranteed deletions, 100 points in 30 days, a "secret" letter. I'd rather earn your trust with the truth than your money with a promise.
01 · Transparency
You could do this yourself.
Disputing what's wrong on your report is your legal right, and it's free. I put the whole process in a step-by-step guide, letters included. If you've got the time and the stubbornness, go use it. I mean that.
02 · Reality
Most people don't finish.
Three bureaus. A handful of collectors. Thirty-day clocks. A "verified" letter that tells you nothing and needs a smarter reply. Round after round, for months, while life keeps happening. The work isn't hard to understand. It's hard to keep doing.
03 · Why hire me
Strategy is the difference.
Knowing which item to hit first so it doesn't trip the next one. Knowing what to send when a bureau stonewalls you. Knowing when to negotiate and when to wait. That's what you're hiring: a plan built around your file and your goal, and someone who won't quit on round three.
Start with the goal
What are you trying to do?
Nobody wakes up wanting better credit for its own sake. You want the thing the credit is standing in front of. Pick yours, answer two more questions, and I'll show you how I'd approach it, including when the honest answer is "do it yourself."
Three questions. Thirty seconds. Nothing is stored or sent anywhere.
Step 1 of 3
What are you trying to do?
Nobody wants better credit for its own sake. You want the thing the credit is standing in front of.
When do you need it?
Timing decides the strategy. A bureau gets 30 days per round, and most files take a few rounds.
What's on the report?
Pick everything that applies. "Not sure" is a perfectly good answer; that's what the free review is for.
How it works
Knowledge. Strategy. Then the part most people skip: persistence.
Four moves, every time. What changes is the plan inside them, because it's built around what you're trying to do, not a template.
Step 01
Know the client
A free consultation and a full review of all three reports, read against your goals. Buying a house next spring and cleaning up a five-year-old collection are different jobs.
Step 02
Build the strategy
We identify what is inaccurate, unverifiable, outdated, or simply worth challenging, and decide what to dispute, with whom, and in what order.
Step 03
Dispute with persistence
Disputes go out every round. Every bureau and furnisher response is tracked in your client portal, and we escalate when they fail to verify.
Step 04
Review and adjust
Updated reports each month show exactly what changed. We adjust the plan and coach you on building positive credit alongside the disputes.
Every client is different
I got one client twenty deletions. That doesn't mean I'll get you twenty.
Your file isn't her file. Your creditors aren't hers, and neither is your goal. I'll show you what strategy and persistence have done for other people, with the context that made it possible, and then I'll tell you honestly what's realistic for you. Nobody can promise you a number. By law, nobody should.
Illustrative · file type A
Many errors, many deletions
The file: Old collections, duplicate accounts, a paid charge-off still reporting a balance.
The goal: Qualify for a mortgage within a year.
What happened: Files like this can see a large number of deletions because much of the negative information was inaccurate or unverifiable to begin with.
The goal: Qualify for a mortgage within a year.
What happened: Files like this can see a large number of deletions because much of the negative information was inaccurate or unverifiable to begin with.
Illustrative · file type B
Fewer deletions, one big win
The file: Mostly accurate late payments, one collection the collector could not verify.
The goal: Lower an auto loan rate at refinance.
What happened: Accurate negatives stay. The strategy shifts to the one removable item and to building positive history that moves the score.
The goal: Lower an auto loan rate at refinance.
What happened: Accurate negatives stay. The strategy shifts to the one removable item and to building positive history that moves the score.
Illustrative · file type C
Honest answer: do it yourself
The file: Two recent late payments and a hard inquiry. All accurate.
The goal: Raise the score before applying for a card.
What happened: There is nothing to dispute. We say so in the consultation, point to the DIY guide and goodwill-letter tactics, and don't take the client's money.
The goal: Raise the score before applying for a card.
What happened: There is nothing to dispute. We say so in the consultation, point to the DIY guide and goodwill-letter tactics, and don't take the client's money.
These are illustrations of how different files behave, not promises. Real, anonymized client results with written consent appear on our Results page.
Who you're hiring
Hi. I'm Laura.
“I want you to know that credit repair really is something you can do yourself. I say that on my own home page because it's true. But when you want a professional with proven results, and you want it done with a real strategy instead of a template, that's when you hire me.”
I started The Credit Firm in Memphis to work every file the way I'd want mine worked: read closely, planned carefully, and followed through on until it's done. I'll be direct with you about what's possible and what isn't, because your trust is the only thing that makes this work.
Services
Pick the help you actually need. Not the biggest package.
Some people need the whole program. Some need a plan and a push. Some just need to be told there's nothing to dispute and here's how to build from here. Month-to-month, no contract, nothing billed before the work is done.
Most clients
Credit Repair Program
The full engagement: report analysis, a written strategy, disputes every round with all three bureaus and furnishers, portal tracking, and monthly review calls.
[$XX]/month · after a one-time setup fee once work begins
[$XX]/month · after a one-time setup fee once work begins
Program details
Do-it-yourselfers
Credit Review & Roadmap
A one-time deep read of your three reports and a written plan you can execute yourself, including which items to dispute, in what order, and what to send.
[$XXX] · one time
[$XXX] · one time
Roadmap details
Building from here
Credit Building Coaching
For clean-but-thin files: utilization strategy, the right accounts to open (and not open), and a timeline built around your next big application.
[$XX]/month
[$XX]/month
Coaching details
Client words
What people say once the file is done.
Real clients, published with their written permission, exactly as they wrote it.
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[Testimonial placeholder. Real client review, published with written consent, will appear here.]
[Client name]
Memphis, TN · [Program]
Memphis, TN · [Program]
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[Testimonial placeholder. Real client review, published with written consent, will appear here.]
[Client name]
Bartlett, TN · [Program]
Bartlett, TN · [Program]
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[Testimonial placeholder. Real client review, published with written consent, will appear here.]
[Client name]
Southaven, MS · [Program]
Southaven, MS · [Program]
Where we work
Memphis-based. Serving clients nationwide.
Credit reports are federal; the rules around them are not. State pages cover local law, average scores, and statutes of limitations.
FAQ
The questions you're probably sitting on right now.
Straight answers, no sales pitch. More on the full FAQ page.
Can I really repair my own credit?
Yes. Every consumer has the right under the Fair Credit Reporting Act to dispute inaccurate, incomplete, or unverifiable information directly with the credit bureaus, for free. Our Do It Yourself guide walks you through it. Most people who hire us do so because they want a professional strategy, someone who knows what to send and when, and the persistence to see it through over several months.
How long does credit repair take?
Most clients work with us for three to six months, but the honest answer is that it depends on your file. Bureaus have 30 days (sometimes 45) to respond to each dispute round, and complex files with multiple creditors and collectors usually need several rounds. We tell you what to expect after reviewing your reports, and we update that estimate as results come in.
What can be removed from my credit report?
Anything that is inaccurate, incomplete, outdated, or that a furnisher cannot verify. That can include collections, late payments, charge-offs, repossessions, and hard inquiries. What cannot be removed is accurate, verifiable, timely information. Anyone who promises to remove accurate negative items is not being honest with you.
Will I get the same results as someone else?
No, and we will never suggest you would. One client may see twenty deletions because their file was full of errors and unverifiable accounts. Another may see three, because their negatives are accurate and recent. Results depend on your file, your creditors, and your goals. What stays constant is the quality of the strategy and the persistence behind it.
Free consultation
Tell me what you're trying to do. I'll tell you what's realistic.
The consultation is free and it's a conversation, not a pitch. A house, a car, a fresh start, or just being done feeling embarrassed when someone pulls your credit: whatever it is, you'll leave knowing what your file needs, even if the answer is "do it yourself."
Month-to-month. No long-term contract. Cancel anytime.