Downtown Memphis, Tennessee skyline above the Mississippi River
📍 Memphis & the Mississippi · Memphis
Photo: Quintin Soloviev, CC BY 4.0, via Wikimedia Commons

Credit Repair: Know Your RightsCredit Repair in Memphis, TN

Not every credit repair company plays by the rules. Learn the protections federal law gives you, spot the red flags, and get honest help with your reports.

  • Free review of all three credit reports, with no obligation
  • No upfront fees, as federal law requires
  • Work with us by phone or online, no office visit needed
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What happens after you submit

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We look for errors, outdated accounts, duplicate collections and anything that can’t be verified.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.

Our services

Credit help for Memphis 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We dispute inaccurate, outdated or unverifiable collections, charge-offs and late payments, and send you progress updates.

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Credit Building

Add positive history with tools such as secured cards, plus guidance on balances and on-time payments.

Credit building options →
🏠Avoiding scamsGet loan-ready in Memphis 🎖️Military Financial Readiness Program™Active duty, veterans, Guard & families 📋Packages & pricingBasic, Expedited, Premier
Shelby County credit snapshot

Nearly 4 in 10 Shelby County residents have debt in collections

According to the Urban Institute (credit data from August 2026), 39% of Shelby County residents have debt in collections, and auto, card and student loan delinquency are all well above the national average.

39%
have debt in collections
U.S. average: 24%
11%
delinquent on auto or retail loans
U.S. average: 6%
9%
delinquent on credit cards
U.S. average: 6%
20%
student loan delinquency rate
U.S. average: 16%

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

When credit problems are common, so are companies promising quick fixes. Legitimate help focuses on items that are inaccurate, outdated or unverifiable, and it follows federal rules.

  • Errors are common. Duplicate collections, wrong dates and mixed files can all be disputed.
  • Accurate items can’t legally be removed just because you pay someone.
  • You can dispute for free. Anyone can dispute directly with the bureaus at no cost.

Burned by a credit repair company before?

We’ll review your reports and explain what can and can’t be disputed, with no upfront fees.

Get My Free Credit Analysis

Know your rights

Looking for credit repair in Memphis? Know the rules first.

The federal Credit Repair Organizations Act protects consumers from misleading credit repair practices. Any company you hire should follow it.

Four protections under federal law

1. No upfront fees

Credit repair companies can’t charge you until the services they promised are fully performed.

2. A written contract

You must receive a written contract that spells out the services, total cost and how long it will take.

3. Three days to cancel

You can cancel within three business days of signing, without penalty.

4. No false promises

A company can’t promise to remove accurate information or tell you to create a new credit identity.

Thinking about buying? Memphis homes cost about 40% less than the Tennessee median. The Tennessee Housing Development Agency (THDA) offers homebuyer loan programs and down payment assistance for eligible buyers through participating lenders.

Get a free, honest credit review.

Get My Free Credit Analysis
OptionsCredit repair vs. debt settlementDisputesDo online dispute letter templates really work?TimelineHow long does credit repair take?CollectionsCan credit repair remove collections?
Credit help for Memphis

Credit help that fits life in Memphis

Masters Credit Consultants works with Memphis-area clients by phone, email and a secure online portal, so you never need to visit an office or take time off work.

Downtown Memphis, Tennessee skyline above the Mississippi River
Memphis & the MississippiDowntown Memphis sits on bluffs above the Mississippi River, a short walk from Beale Street and the riverfront parks.Photo: Quintin Soloviev, CC BY 4.0, via Wikimedia Commons

People burned by bad advice

We’ll explain what’s legitimate and what isn’t, in plain English.

Logistics & warehouse workers

Shift work makes it hard to call creditors. We’ll handle the follow-up for you.

Car buyers

Behind on an auto loan? We’ll help you understand your options.

Students & grads

From the University of Memphis to Southwest Tennessee Community College, many clients are managing student loans.

Veterans

Shelby County is home to more than 40,000 veterans (Census ACS). Our Military Financial Readiness Program™ can help.

Renters ready to buy

Most of the work happens before you apply. We’ll show you what to fix first.

Memphis credit repair FAQ

Common questions

Can a credit repair company remove accurate negative items?
No. Accurate, verifiable information can be reported for its full legal period. Legitimate credit repair focuses on items that are inaccurate, outdated or unverifiable.
Can a credit repair company charge me upfront?
No. Under the Credit Repair Organizations Act, companies can’t charge until the promised services are fully performed.
Can I fix my credit myself?
Yes. You have the right to dispute errors with the bureaus for free. A credit repair company can save you time, but it can’t do anything you couldn’t legally do yourself.
Will checking my credit hurt my score?
No. Reviewing your own credit is a soft inquiry and doesn’t affect your scores.
How long does credit repair take?
The bureaus generally have 30 days to investigate a dispute (up to 45 in some cases). Timelines depend on how many items are involved and how creditors respond. Results vary, and no one can legally guarantee a specific score or deletion.
How much does it cost?
The credit analysis is free. If you choose to enroll, you can compare our packages. Under the federal Credit Repair Organizations Act, we can’t charge for services before they’re performed, and you can cancel within three business days of signing.

Serving Memphis and the Mid-South

We work with clients throughout the area, including:

GermantownColliervilleBartlettCordovaWhitehavenMillingtonArlingtonLakelandSouthaven, MS

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.

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✓ No obligation✓ Won’t affect your score✓ 90-day guarantee (terms)✓ Confidential✓ Founded in 2014
Masters Credit Consultants, LLC, founded in 2014, is a credit services organization, not a law firm, lender or credit bureau. Results vary and are not guaranteed. You have the right to dispute inaccurate information in your credit report yourself, free of charge, by contacting the credit bureaus directly. Local statistics are county, city or state averages from the sources cited and don’t describe any individual’s credit.
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