We have extensive knowledge and experience in credit law and disputing credit reporting. With our expertise, we can create a plan for you to dispute items on your credit report for life. We are passionate about credit repair and will go the distance to defend your credit rights.
Get StartedIf you’re reading this, it’s probably because you feel this way:
When your credit report contains entries that do not belong, credit repair examines each one and demands the bureaus and original creditors prove it.
Tell Credit Repair what happened and what you are working toward. Credit Repair will give you a read on what is weighing your score down and whether Credit Repair fits your situation.
Credit Repair pulls all three bureau reports and flags every entry that looks inaccurate, outdated, or impossible to verify.
Credit Repair gives you a recommendation built from your actual report, from a targeted cleanup to a full rebuild with funding support.
Credit Repair files challenges, tracks responses, and keeps pushing each case until it is resolved.
Credit Repair helps you add positive credit history and stays in touch as your Client Success Manager (on applicable support plans).
We know that bizarre schedules come with your job, and credit repair is done by phone, email, and video, so we'll work with you however is most convenient.
You will hear from a person with real progress, not an automated message.
Credit repair plans include credit building, and qualifying clients can receive help pursuing personal funding of $50K+ or business funding of $100K+, a good fit for Memphis’s independent contractors, caterers, barbers, and small shop owners. repair.
Buying a home or signing a lease together? The Credit Repair couple packages let you work on the credit repair side by side for more than two individual plans.
Dispute specialists, client success reps, and a founder‑led strategy group all work on your case.
To empower customers to take control of their money and eliminate confusion and stress.
Integrity and education inform our approach to every client.
Heads Up Enterprises was founded by an educator who believes credit repair should be clear, simple, and honest.
Dispute leads, client success reps, and dedicated disputers work on files, like yours, daily.
Credit Repair follows the Credit Repair Organizations Act (CROA): written contracts, a 3‑business‑day right to cancel, and no promises Credit Repair can’t legally make.
We serve clients throughout the Mid‑South from Germantown to West Memphis. Also reach clients all across the country.
Each plan below suits a different starting point, from straightforward cleanup to funding-focused strategy.
|
Plan |
Starting At |
Best For |
|
Bluff City Plan |
$550 (Reg. $1,000) |
Removing negative items across all 3 bureaus |
|
Oasis Plan |
$1,560 |
Credit repair + credit-building + funding guidance up to $50K |
|
Empire Plan |
$2,560 |
Personal + business credit, LLC setup, funding up to $100K |
|
Guardian Sweep |
$3,000 |
Aggressive dispute campaigns for severe derogatory items |
|
Ascend Mentorship |
$5,000 |
1-on-1 mentorship, credit + business strategy, funding up to $150K |
|
Dynasty VIP |
$7,500 |
White-glove service for entrepreneurs scaling wealth |
Schedule a free consultation and leave with a personalized plan and clear next steps toward your goals.
Sometimes. Medical collections are often reported incorrectly, duplicated, or with balances, and those can be disputed. Accurate, valid debts usually cannot be removed, so we review each item. Tell you honestly what is and is not realistic.
Not at all. Our process runs by phone, email, or video. We can work around your schedule.
No. No legitimate company can. Federal law prohibits credit repair companies from guaranteeing results. We guarantee a dispute process and consistent support.
No. Everything is handled remotely wherever you are in the Memphis area.