I had the pleasure of working with Cheryl who helped me get myself back on the right track with my finances, credit, and budget. While this is a credit counseling organization, by the time you finish the credit counseling, you’ll have the needed tools to check, understand, and build your credit. While I knew about credit very vaguely, I must say, life happened and I really just did not understand how to start building my damaged credit. Now, I’m well on my way to understanding how to check my credit, build my credit, and keep my credit intact. I thank Total Credit Solutions for working with me.They’ll even work with you if your budget is very limited. I thank Cheryl for taking the time to not only help me start the repair process, but I also thank her for correcting me in my financial wellness journey. I thank her for always being there and for being so patient in this whole process. If you don’t know where to go to get yourself back on the right path with your credit, then you should definitely reach out to Total Credit Solutions. I recommend you ask that Cheryl be your advisor.

I had a wonderful conversation with the young man on the phone today. He was extremely helpful and helped me to understand the system the offer at this company. I’m so excited to see how my credit changes after I start this process. Thank you so much for your help.

Let’s me save you all some time...Cheryl and her team at Total Credit Solutions are hands down, without a doubt, who you need to go to for all your credit needs! I am a financial professional myself, but I’m a firm believer in when you need a specialized service, your got to a quality specialist, and that is exactly who Cheryl is! I had an issue with old medical bills going to collections, from my days as a college athlete. I had no idea about the bills, as my school was supposed to handle them, and was never even given a notice by the hospital. Cheryl and her team got the derogatory marks off of my credit report and my credit score went back up to its high 700 levels within 4 months. I am truly a believer in the work of Cheryl and her team, and I would recommend them to anybody with inquiries or need surrounding credit! Thank you Cheryl and Total Credit Solutions for all your help and JOB WELL DONE!

Ms. Smith is doing an excellent job. I saw an increase in my score instantly. I would highly recommend this service to anyone looking to improve their credit score..

Total Credit Solutions works with our clients after an experience with homelessness in Memphis/Shelby County, Tennessee. They help clients to manage/navigate their finances once they have obtained housing and employment. Their efforts help to take away the stress and burden of learning to function under a new normal, and their work is very vital to our success with this population. We are GRATEFUL for the partnership!

I would like to thank Ms. Cheryl at Total Credit Solutions for taking the time and helping me through a rough patch. I appreciate how she explained to me the step by step process and also kept me updated frequently. I thought it would be a difficult but after all is said and done, it’s pretty simple with little to no worries. So thank you Ms. Cheryl for helping me with my credit.

Cheryl and her team are very professional and knowledgeable about credit. Cheryl taught me how to manage my accounts and how important it is not to fall behind. She is very patient, and treats you as if you are her only client. If you have concerns about you credit, call Total Credit Solutions. You won’t be disappointed.

I’m so happy I’m team #TotalSolutions. Getting on track so that my dreams can become reality. So thankful for help and guidance I am receiving so far.

It was a great experience! I still reach out for guidance and information and get great help. I definitely recommend Total Credit Solutions!!!! Thanks for all of your help and I’ll continue to reach out with my different questions.

I am happy with my choice. I enjoyed all the helpful information Cheryl Smith gave me. I know she can help me out.

Cheryl was so kind and sweet, she’s a very understanding person who has great intentions on helping others fix their problems!

Very professional. I never seen results happen so fast. Nice doing business and will send more people your way.

This was the best experience with talking with someone about fixing my credit ever I would recommend everyone to check them out ! 😁👍

I would like to say thank u to Cheryl Smith she is a nice lady and she is doing great with my credit,she is a big help I would refer anyone to her because she fixed your credit within a timely manner, thanks again great job

I went from being denied for everything to being approved for everything Thanks TCS!! My score went from low 500’s to almost mid 700’s in just a little over 90 days!!

This is the optimum level of professionalism!!I had just one goal and that was to purchase a new home. Total Credit made it happen in less 90 days.

Cheryl was great, she explained to me the importance of having good credit, and how to be financially savvy. I recommend her wholeheartedly.

Great and professional!!! Very fast and dependable

Cheryl really knows what she is doing. There were fraudulent things on my credit report that I just couldn’t seem to get rid of but Cheryl got them off with ease. There were also things on there that I didn’t know existed or that they were contributing to my low score until my score climbed over 100 points. Cheryl is a master at what she does.

Used credit services and saw great results! Would highly recommend!

She has integrity and believes honestly in helping people.

Ms. Cheryl was very helpful and nice.

Total credit solutions help me increase my credit scores!

Total credit solutions ave me the plan to get my credit score above 800 when I purchased a home. Full disclosure: this is my sisters business. But it still worked for me!

She dose what she says she going to do and she allways keep u update with what going on

She is like no other she does a great job this lady is all about business if you need your credit fix ASAP she is the one