2024
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Our goal is to connect people with the best local professionals. We scored Clarksville Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
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Providers
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Featured Provider
(10602)Why choose this provider?
Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.
- Credit Audit
- Credit Repair
- Money Back Guarantee
- Credit Restoration
- Credit building
Expertise.com Rating
Why choose this provider?
Credit Repair Finest addresses the financial troubles of people in the Clarksville community. It offers credit repair solutions for clients looking to obtain auto loan and mortgage approvals and a positive credit history. The team sends reports of utility, mobile plan, and rent payments to various credit bureaus, such as TransUnion, Experian, and Equifax. Additionally, Credit Repair Finest offers credit counseling, tax services, and life insurance products. The company has been working with clients facing credit score issues for over five years.
- Credit Repair
- Tax Services
- Credit Counseling
Lexington Law
Free Credit Report Consultation
Why choose this provider?
Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.
- Consumer Credit Services
- Credit Repair
Expertise.com Rating
Review Sources
- 5.0 (19)
Why choose this provider?
Founded in 2018, Prime Credit Works LLC is a credit repair firm based in Clarksville. The credit advisers are members of CCA and specialize in providing consultation and repair. Through client education and unlimited communications, the firm promotes financial independence and tailored services for its clients. The company issues online client portals where credit monitoring and monthly tracking progress can be checked in real time. Prime Credit Works partners with capital lenders and offers funding for new businesses.
- Credit Audit
Expertise.com Rating
Review Sources
- 4.0 (10)
Why choose this provider?
Credit Bros is a credit repair company that serves Clarksville and the surrounding areas. It helps clients legally repair their credit rating through consumer protection laws such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The company's personalized services include challenging erroneous information on clients' credit reports, credit education, audit analyses, and credit building. Credit Bros can help in clearing various records such as charged-off accounts, tax liens, collections, and late payments.
- Credit Audit
- Credit Dispute
Why choose this provider?
Credit Factory USA is a credit repair business serving the Clarksville metro. Using strategies such as dispute methods, the company helps customers repair scores and establish, re-establish, or maximize credit. The credit repair process starts with a consultation and filling out a dispute sheet. Credit service specialists then deal with credit bureaus in order to remove late payments, collection records, charge-offs, tax liens, identity theft, and judgments from the credit report. The client is kept informed through weekly progress updates.
- Debt Consolidation
Expertise.com Rating
Review Sources
- 5.0 (4)
Why choose this provider?
Jatavious Jackson is a credit repair company that serves individuals and businesses all over the Clarksville metro. It provides assistance in removing inaccurate, unverifiable, and erroneous items from its clients' credit reports. Its process includes consultation and reports assessment, coaching by an experienced analyst, and optional after-service mentoring in funds management. Its owner, Jatavious Jackson, is a credit specialist, notary, and tax preparer who founded the company in 2016 and has since provided a full line of services based on his qualifications.
- Credit Monitoring
- Credit Dispute
Compare our Top Credit Repair Companies
| Name | Expertise Rating | Address | Promotions | Learn more |
|---|---|---|---|---|
| Credit Saint | Free Credit Evaluation | View More | ||
| Credit Repair Finest | Free Consultation | View More | ||
| Lexington Law | Free Credit Report Consultation | View More | ||
| Prime Credit Works | 200 Providence Boulevard, Clarksville, TN37042 | View More | ||
| Credit Bros | 810 Dominican Avenue, Nashville, TN37228 | View More | ||
| Credit Factory USA | 2720 Clarksville Pike, Nashville, TN37208 | View More | ||
| Jatavious Jackson | 1165 Meachem Drive, Clarksville, TN37042 | View More |
FAQs
How long does a repo stay on your credit report?
A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.
Do credit repair companies work?
Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.
How long does it take to repair credit?
Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.
- Inaccurate late payment: 30-45 days
- Inaccurate missed payment: 30-45 days
- Numerous issues from multiple creditors: A few months
- Fraud or identity theft: Several months to a year or more
- Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
Can I repair my own credit?
Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.
Can credit repair companies remove charge offs?
Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.
Can credit repair companies remove bankruptcies?
A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.
Can a credit repair company remove late payments?
Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.
Is credit repair legal?
Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.
How do you repair credit after identity theft?
Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.
- Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
- Report the issue to the Federal Trade Commission.
- Make a report to the local police to get an official report document.
- Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
- Check credit reports and look for inaccurate information related to the fraud.
- Work with a credit repair company to dispute that information.
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