Where we work
Credit repair, state by state.
The Credit Firm is based in Memphis and works with clients nationwide. Credit reports are federal, but statutes of limitations, state credit repair laws, and where to complain are not. Pick your state for the local picture.
Credit repair in Tennessee
Average FICO 706 · Tennessee Credit Services Businesses Act (Tenn. Code Ann. § 47-18-1001…
Tennessee page →Credit repair in Mississippi
Average FICO 680 · No dedicated state credit repair statute; federal CROA and the…
Mississippi page →Credit repair in Arkansas
Average FICO 695 · Arkansas Credit Services Organization Act (Ark. Code Ann. § 4-91-201…
Arkansas page →Credit repair in Alabama
Average FICO 692 · No dedicated state credit repair statute; federal CROA and the…
Alabama page →Credit repair in Missouri
Average FICO 714 · Missouri Credit Services Organizations statute (Mo. Rev. Stat. §§ 407.635–407.644)
Missouri page →Credit repair in Kentucky
Average FICO 705 · No dedicated state credit repair statute; federal CROA and the…
Kentucky page →Credit repair in Louisiana
Average FICO 690 · Louisiana Credit Repair Services Organizations Act (La. R.S. 9:3573.1 et…
Louisiana page →Don't see your state? We still serve it. Request a free consultation and we'll walk through your state's rules in the call.
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.