Credit Repair & Student Loan Credit HelpCredit Repair in Atlanta, GA
Get past late or defaulted student loans, fix inaccurate items on your reports, and build credit that holds up in one of the South’s most expensive housing markets.
- Free review of all three credit reports, with no obligation
- A plan for student loan late payments and defaults
- Work with us by phone or online, no office visit needed
Get My Free Credit Analysis
Takes about 30 seconds. Checking your credit with us will not lower your score.
Four steps from first call to a clear plan
We call you
A specialist reaches out within 1 business day to learn your goals and timeline.
We review all 3 reports
We look for errors, outdated accounts, duplicate collections and anything that can’t be verified.
You get a written plan
What to dispute, what to pay down, what to leave alone, and the order to do it in.
You decide
Enroll, or take the plan and do it yourself. Either way, there’s no cost for the analysis.
Credit help for Atlanta residents
Credit Analysis
A line-by-line review of your Equifax, Experian and TransUnion reports and a personal action plan.
About credit analysis →Credit Repair & Restoration
We dispute inaccurate, outdated or unverifiable collections, charge-offs and late payments, and send you progress updates.
About credit repair →Credit Building
Add positive history with tools such as secured cards, plus guidance on balances and on-time payments.
Credit building options →Student loan delinquency in Fulton County is above the national rate
According to the Urban Institute’s latest release (credit data from August 2026), about 1 in 5 Fulton County student loan borrowers with payments due is behind, and collections here tend to be larger than the national median.
Source: Urban Institute, Debt in America: An Interactive Map, updated Nov. 10, 2026 (credit data from August 2026). Shares are of people with a credit record. Red marker = U.S. average.
What this means for you
Student loans are often the largest account on a young borrower’s report, and servicer transfers have left many with errors: payments marked late during a transfer, duplicate accounts, or the wrong status after a default was resolved.
- Check every loan. Each loan can be reported as a separate account, so one mistake can repeat several times.
- Look at the status. A rehabilitated or consolidated loan shouldn’t still show as in default.
- You can dispute for free. We handle the paperwork and follow-up for you.
Behind on student loans?
We’ll show you how your loans are reported and which errors or options to tackle first.
Student loans dragging down your credit? Here’s what you can do.
Federal student loans are generally reported late after 90 days and go into default after about 270 days of missed payments. Collection of defaulted federal loans has resumed, so it pays to act before things get worse.
Four ways forward with student loans
1. Dispute reporting errors
Late payments reported during a servicer transfer, duplicate loans and wrong balances can be disputed with the bureaus and the servicer.
2. Rehabilitate a defaulted loan
Rehabilitation usually means 9 agreed payments within 10 months. Afterward the default notation is removed, though earlier late payments remain. It’s generally a one-time option.
3. Consider consolidation
A Direct Consolidation Loan can bring defaulted loans back into good standing faster, though the earlier default history stays on your report.
4. Pick a payment you can keep
Income-driven plans can lower payments. Staying current from here on matters most for your score over time.
Thinking about buying? Lenders count your student loan payment in your debt-to-income ratio. The Georgia Dream Homeownership Program from the Georgia Department of Community Affairs offers down payment assistance for eligible buyers through participating lenders.
Get a free plan for your student loans.
Get My Free Credit AnalysisCredit help that fits life in Atlanta
Masters Credit Consultants works with Atlanta-area clients by phone, email and a secure online portal, so you never need to visit an office or take time off work.
Students & grads
From Georgia Tech, Georgia State and Emory to Clark Atlanta, Morehouse and Spelman, many clients are managing student loans.
Renters ready to buy
Most of the work happens before you apply. We’ll show you what to fix first.
Young professionals
Building a thin credit file? We’ll help you add positive history the right way.
Identity theft victims
We’ll help you dispute fraudulent accounts and set up freezes and alerts.
Veterans
Fulton County is home to more than 38,000 veterans (Census ACS). Our Military Financial Readiness Program™ can help.
Families rebuilding
Collections and late payments can be addressed one step at a time.
Common questions
Can late student loan payments be removed?
Does rehabilitating a student loan help my credit?
Will a student loan in forbearance hurt my credit?
Will checking my credit hurt my score?
How long does credit repair take?
How much does it cost?
Serving the Atlanta area
We work with clients throughout metro Atlanta, including:
Other Georgia cities
Ready to see what’s on your credit report?
Get a free, no-obligation credit analysis. We’ll explain what we find in plain English.