The Credit Firm provides credit repair for Tennessee residents from Memphis, Tennessee, entirely by phone, secure client portal, and mail. Laura Martin reads all three of your credit reports against your goal, writes a strategy, disputes what is inaccurate or unverifiable, and tells you honestly what is realistic for your file, including whether you should do it yourself. No guarantees, month-to-month, never billed before work is performed.
The Credit Firm is based in Memphis and works with clients across Tennessee the same way we work with everyone: by phone, secure client portal, and mail. Tennessee is home, so we know the lenders, the collectors, and the courts here.
Is credit repair legal in Tennessee?
Yes. Tennessee regulates credit repair companies under its Credit Services Businesses Act in addition to the federal CROA. The state requires a surety bond (reported at $100,000) filed with the Division of Consumer Affairs, a written contract with specific disclosures, and a cancellation right of five days, longer than the federal three. Violations are also unfair or deceptive acts under the Tennessee Consumer Protection Act.
On top of state law, the federal Credit Repair Organizations Act applies to every credit repair company serving Tennessee residents: a written contract before any work, no payment before services are performed, a cancellation right (5 days (state) / 3 business days (federal)), no guarantees of results, and no advice to make false statements to a credit bureau. The full disclosure is on our Your Rights page.
What is the average credit score in Tennessee?
The average FICO score in Tennessee is 706, 11 points below the U.S. average of 717, according to Experian's 2024 Credit Review. A gap that size usually means thinner files and more collections per report. It also means more disputable items, and more room to move.
Tennessee’s average FICO score of 706 sits just under the national average of 717, with Memphis and the rural west running lower than Nashville and Knoxville. What we see most on Tennessee files: medical collections (often small and often reported in violation of the bureaus’ own rules), auto-loan late payments, and charge-offs from the 2020–2022 stretch that have since been sold to debt buyers who can’t validate them.
If you’re applying for a mortgage in Shelby, Davidson, Knox, or Hamilton County, the typical underwriter wants open collections resolved and a clean twelve months before closing. That shapes the plan: collections and furnisher disputes first, goodwill letters on isolated lates, utilization work throughout.
How long can a collector sue you in Tennessee?
Generally six years for most consumer contracts and open accounts (Tenn. Code Ann. § 28-3-109). The statute of limitations limits lawsuits, not reporting: a debt can still appear on your credit report for seven years from the date of first delinquency even after it can no longer be sued on. That distinction shapes what we recommend you pay, negotiate, or leave alone. These are general summaries, not legal advice; confirm your situation with a Tennessee attorney.
How does credit repair work for Tennessee residents?
- Know the client. A free consultation and a full read of all three reports against your goal.
- Build the strategy. Every item marked accurate, inaccurate, outdated, or unverifiable, with a plan for each, including Tennessee's statute of limitations where it affects negotiation.
- Dispute with persistence. Bureau and furnisher disputes every round under the FCRA and FDCPA, with escalations when items come back "verified" without proof.
- Review and adjust. Monthly report review, honest updates, and a clear stopping point.
Everything runs through your secure client portal, phone, and mail. There is no office to visit, in Memphis or anywhere else, and nothing about your location changes the work.
Credit repair services for Tennessee residents
Every service we offer is available to Tennessee clients. Start with the problem that's holding you back:
Credit Repair ProgramProgramCredit Review & RoadmapProgramCredit Building CoachingProgramCollectionsFor Tennessee residentsLate PaymentsFor Tennessee residentsCharge-OffsFor Tennessee residentsHard InquiriesFor Tennessee residentsIdentity TheftFor Tennessee residentsMedical DebtFor Tennessee residents
Where in Tennessee we work
We work with clients in Memphis, Nashville, Knoxville, Chattanooga, Clarksville, Murfreesboro, and Jackson, and everywhere between.
- Credit repair for Memphis, TN residents
- Credit repair for Nashville, TN residents
- Credit repair for Knoxville, TN residents
- Credit repair for Chattanooga, TN residents
- Credit repair for Clarksville, TN residents
- Credit repair for Murfreesboro, TN residents
- Credit repair for Jackson, TN residents
Where do Tennessee residents complain about a credit repair company?
Tennessee Division of Consumer Affairs, the Consumer Financial Protection Bureau (consumerfinance.gov/complaint), and the Federal Trade Commission (reportfraud.ftc.gov). If the complaint is about us, call (901) 239-1111 first; we would rather fix it than have you live with it.
Can you repair your own credit in Tennessee?
Yes. Every Tennessee resident has the right under the Fair Credit Reporting Act to dispute inaccurate information for free. Our Do It Yourself guide covers every step and includes the letters. Hire us when you want the strategy and the follow-through handled, or when you've started and stalled.
Sources
- Tenn. Code Ann. § 47-18-1001 et seq. (Credit Services Businesses Act)
- Tennessee Division of Consumer Affairs
- Tenn. Code Ann. § 28-3-109 (six-year limitation)
- Experian, 2024 Consumer Credit Review (average FICO score by state)
Tennessee quick facts
- Average FICO score
- 706 (U.S.: 717)
- State credit repair law
- Tennessee Credit Services Businesses Act (Tenn. Code Ann. § 47-18-1001 et seq.)
- Cancellation right
- 5 days (state) / 3 business days (federal)
- Bond requirement
- $100,000
- Debt statute of limitations
- Generally six years for most consumer contracts and open accounts (Tenn. Code Ann. § 28-3-109)
- Where to complain
- Tennessee Division of Consumer Affairs
- How we work
- Remotely, from Memphis: phone, portal, mail
General summaries, not legal advice. Last reviewed October 12, 2026.
Want it handled?
You can do everything on this page yourself. If you'd rather have Laura build the strategy and run the rounds, start with a free consultation.
Request a Free ConsultationRead the DIY guide →Credit repair in Tennessee: common questions
Is credit repair legal in Tennessee?
Yes. Companies must follow the federal CROA and Tennessee's Credit Services Businesses Act, including bonding, a written contract, and the state's cancellation period.
Do I need to come to Memphis to work with you?
No. There is no office to visit; every client, including Tennessee clients, works with Laura by phone, secure client portal, and mail. Distance changes nothing about the process.
How long can a collector sue me in Tennessee?
Generally six years for most consumer debts, measured from the last payment or default. Confirm with an attorney for your situation; a partial payment can affect the clock.
Where do I complain about a credit repair company in Tennessee?
The Tennessee Division of Consumer Affairs, the CFPB, and the FTC.
Free consultation
Ready to see what's realistic for your Tennessee file?
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.