The Credit Builders Group

Credit Restoration & Education Services

Better Credit Starts With Understanding Your Credit.

The Credit Builders Group was established in 2017 as the credit restoration division of Memphis Tax Company. We help consumers better understand their credit, identify potential reporting issues, and develop healthier credit habits for the future.

Our Credit Restoration Program provides personalized credit analysis, dispute assistance, credit education, and ongoing support based on each client's individual credit profile.

Ready to work on your credit?

[ APPLY FOR CREDIT RESTORATION SERVICES ]

Applications are reviewed to determine program eligibility.

Apply Here

Understanding Credit Repair

Credit repair is the process of reviewing your credit reports and addressing information that may be inaccurate, incomplete, outdated, or otherwise improperly reported.

Consumers have the right to review their credit reports and dispute information they believe is inaccurate or incomplete. Credit restoration does not mean that accurate negative information can simply be erased from a credit report.

Our role is to help you understand what's being reported, identify potential issues, assist with the dispute process when appropriate, and provide education to help you build a stronger credit profile going forward.

Why Credit Repair Matters

Your credit profile can affect many areas of your financial life. Stronger credit may help you qualify for more favorable financing opportunities, including mortgages, auto loans and credit cards. Depending upon the circumstances, credit information may also affect rental applications and certain insurance decisions.

Improving your overall credit profile may help you:

Qualify for better financing opportunities
Potentially receive more favorable interest rates and loan terms
Strengthen your position when preparing for homeownership
Improve your overall financial readiness
Better understand how credit utilization, payment history and inquiries affect your credit
Develop healthier long-term credit habits

Credit restoration isn't just about a number. It's about understanding your credit and making better financial decisions moving forward.

Credit Restoration Program

$199 Initial Service $99 Ongoing Service Cycles

Our program is designed for consumers who want individualized assistance understanding and addressing issues affecting their credit profile.

Your Initial Service May Include

✓ Three-bureau credit report review
✓ Comprehensive credit analysis
✓ Review of individual tradelines and reported information
✓ Identification of potentially inaccurate, incomplete, outdated or unverifiable information
✓ Personalized credit action plan
✓ Initial client-file preparation
✓ Credit education and recommendations

Ongoing Services May Include

✓ Review of credit bureau and furnisher responses
✓ Updated credit-report analysis
✓ Preparation of appropriate follow-up disputes
✓ Progress evaluation
✓ Credit education
✓ Personalized recommendations based upon changes to your credit profile
✓ Ongoing communication regarding your file

Individual results vary. We do not guarantee deletions, specific credit-score increases or approval for any financial product.

How Our Program Works

01 — APPLY

Complete our Credit Restoration Program Application. We'll ask questions about your current financial situation, credit concerns and goals.

02 — APPLICATION REVIEW

Your application is reviewed to determine whether our program is appropriate for your current situation.

Not everyone who applies will necessarily be accepted.

03 — AGREEMENT & CONSUMER DISCLOSURES

Approved applicants receive the required program agreement, consumer disclosures and information regarding their rights.

04 — COMPLETE ONBOARDING

Complete the required onboarding process, including identity verification, proof of address and enrollment in the required credit-monitoring service.

05 — CREDIT ANALYSIS

Your credit reports are reviewed to identify reported information requiring additional examination and to develop your individualized action plan.

06 — CREDIT RESTORATION PROCESS

When appropriate, disputes are prepared concerning information believed to be inaccurate, incomplete, outdated or otherwise improperly reported.

Responses and changes are reviewed before determining the appropriate next steps.

07 — EDUCATE & REBUILD

Credit restoration is only part of the process.

We'll also provide education and recommendations to help you understand credit utilization, payment history, inquiries and other factors that can affect your credit profile.

Add a footnote if this applies to your business

Credit Monitoring Is Required

All clients accepted into the Credit Restoration Program are required to maintain active three-bureau credit monitoring for the duration of the program.

Credit monitoring allows us to review changes to your credit reports, monitor bureau responses and evaluate your progress.

Approximate cost: $29.99/month

Credit monitoring is provided by a separate third-party provider and is not included in The Credit Builders Group's program fees.

Failure to maintain required credit monitoring may prevent us from continuing to provide services.

Is This Program Right for You?

Our program works best when you're prepared to actively participate in improving your overall credit profile.

Applicants should have a stable source of income, be able to remain current on their existing financial obligations, maintain the required credit-monitoring service and complete requested onboarding tasks and documentation.

Please wait to apply if:

You're currently unable to remain current on your monthly obligations, cannot maintain the required credit-monitoring service, have an active bankruptcy, or aren't currently able to commit to the program requirements.

Previously discharged or dismissed bankruptcies may be considered following review of your credit profile.

While You're in the Program

Protecting your credit profile during the restoration process is important.

Clients should avoid unnecessary applications for new credit and unnecessary hard inquiries while actively working through the program. If you're considering a mortgage, vehicle purchase or another major financial transaction, talk with us first so we can discuss how it may affect your current credit strategy.

Clients must also maintain required credit monitoring and complete requested program tasks.

Can I Repair My Own Credit?

Absolutely.

You have the right to review your credit reports and dispute inaccurate or incomplete information yourself, at no charge.

You can also take steps to strengthen your credit by paying bills on time, reducing outstanding balances, limiting unnecessary credit inquiries and regularly reviewing your credit reports.

Some consumers choose professional assistance because they want help analyzing their reports, organizing the dispute process, reviewing responses and developing an overall credit improvement strategy.

That's where The Credit Builders Group comes in.

Planning to Buy a Home?

Credit Goals + Homeownership Goals

If homeownership is one of your goals, let us know on your application.

Credit restoration clients preparing for future homeownership can request additional information about the homebuying process and the steps involved in becoming mortgage-ready.

April Davis-Cunningham, REALTOR®
Licensed in Tennessee & Mississippi
KAIZEN Realty

Credit restoration services are provided through The Credit Builders Group/Memphis Tax Company. Real estate brokerage services are provided separately through KAIZEN Realty.

Frequently Asked Questions

Is credit repair legal?

Yes. Federal law gives consumers the right to dispute information on their credit reports that they believe is inaccurate or incomplete.

The Credit Builders Group provides professional assistance to consumers exercising those rights. We do not promise to remove accurate information or guarantee a particular credit score.

How long does credit restoration take?

There is no universal timeline. Every credit profile is different, and the process can depend upon the number and type of accounts involved, responses received, documentation available and other individual circumstances.

We review your progress throughout the program and determine appropriate next steps based upon what occurs with your file

Will my credit score increase?

We cannot guarantee a particular credit-score increase.

Credit scores are calculated using information contained within your credit reports, and numerous factors can influence them. Our focus is on the accuracy of your credit reporting, credit education and helping you develop healthier credit-management habits.

Can you remove anything from my credit report?

No legitimate credit restoration company can guarantee the removal of accurate, current information simply because it is negative.

Our process focuses on information that may be inaccurate, incomplete, outdated, unverifiable or otherwise improperly reported.

Can I repair my credit myself?

Yes. Consumers can review their credit reports and dispute inaccurate information themselves without hiring a credit repair company.

Our service is for consumers who prefer professional assistance analyzing their reports, organizing and managing appropriate disputes, reviewing responses and understanding their credit.

Why is credit monitoring required?

Three-bureau monitoring allows us to review changes occurring across your credit reports and evaluate responses and progress.

Clients must maintain active monitoring while participating in the program.

Do you guarantee results?

No. Every person's credit situation is different. We cannot guarantee deletions, a particular credit score, financing approval or a specific outcome.

The Credit Builders Group

Credit Restoration & Education Services

Understanding Credit Repair

Why Credit Repair Matters