Frequently Asked Questions

  • How does your free consultation work?

    It’s simple. Click here, share your contact information, and request an appointment date. From there, we confirm your free consultation and credit evaluation.

  • How much are your services?

    Our Credit is Key flat rate is $500, with absolutely no hidden costs. We also offer payment plan options if that works better for your budget.

    TCS is not a one-and-done company; we are in this relationship for the long haul. Unlike other companies that charge up to $130 per month and take an average of six months to repair your credit, at TCS, you will pay a flat fee. Our work guarantee service saves you money and makes our advisors work harder to repair your credit quickly. And if the process takes longer than expected for any reason, you will not pay extra.

  • Other companies only charge $99 down and $99 per month. Why should I pay TCS $500 now?

    The Total Credit Solutions team strives delivers results within 3 to 6 months, while other companies, like those who charge a monthly fee, take up to 12 months to resolve negative accounts. We offer more than credit repair, including financial planning, credit education, home ownership “classes”, and one on one guidance from a Credit Expert.

  • What is the TCS work guarantee?

    We are committed to getting results for our customers, even if it takes longer than we expect. For example, if it takes one of the credit bureaus longer than six months to address your issue and we have not totally resolved your account, we will keep working on it at no extra cost.

  • How long does it take to rebuild my credit?

    TCS customers have seen results in as little as 30-45 days. We designed our program to deliver results within 180 days. However, some situations and credit circumstances can take longer.

  • How soon will I see results?

    After enrollment, you may see progress and updates within 30 days.

  • How can I track my progress?

    You will get access to credit monitoring and personalized sessions with your credit advisor to discuss updates and ask questions.

  • How quickly can I purchase my dream home?

    We have relationships with lenders and other organizations connected to the home-buying process to support your dream home purchase. Schedule an appointment for a detailed walk-through of this service here

  • What is the Experian® CreditCenter ™?

    Experian CreditCenter is a free benefit offered to Total Credit Solutions customers to deepen their credit knowledge. Experian Credit Center provides access to Credit Monitoring, Experian Credit Report and VantageScore, Credit Limit and Usage Alerts, Positive Credit Activity Alerts, VantageScore Tracker, VantageScore Simulator, and Dormant Account Alerts.

  • What is the difference between a credit score and a credit report?

    Your credit score is a three-digit number that helps lenders determine how likely you are to repay a debt on time, such as a loan or credit card. Scoring models, such as the FICO® Score and VantageScore®, analyses and uses the credit history data in your credit report to produce a score ranging from 300 to 850, from lowest to highest. Lenders view people with higher credit scores as more likely to repay their loans and those with lower credit scores at greater risk of nonpayment. Credit score factors include your payment history, credit utilization, and length of credit history.

    Your credit report is a record of how you manage your debts. All three major credit bureaus, Experian®, TransUnion®, and Equifax®, keep separate reports on your history. Credit reports list all of your current and past debts reported by your lenders and creditors and show if you paid them back as agreed or were 30, 60, or 90 days late. Your credit report also lists bankruptcies, collection accounts, car repossessions, and home foreclosures. For more on the difference between your credit score and credit report, click here.

  • Will checking my credit report affect my credit?

    No. Considered a soft inquiry, checking your credit report will never hurt your credit scores because it’s not part of the credit scoring model that makes up your credit score. Other soft inquiries that do not affect your credit are promotional offer checks or existing lender account reviews.

  • What is a good credit score, and what are the different credit score ranges?

    Credit score ranges fall between 300 and 850, with most consumers landing between 600 and 750. The higher your credit score, the more likely lenders will consider you more likely to repay your debts as agreed. Lower scores indicate higher repayment risk for lenders and creditors, resulting in you paying higher interest rates and down payments. Here’s a snapshot of the score categories on the VantageScore range.

    1. Very Poor 300-499
    2. Poor – 500-600
    3. Fair 601-660
    4. Good 661-780
    5. Excellent 781-850
  • What is a tradeline?

    A tradeline is a large line of positive credit that you are attached to that positively affects your score. All credit accounts on our credit report are tradelines. The term tradeline refers to adding large lines of credit that will positively impact your credit score. For example, if you do not have any negative accounts on your credit report, and a $20,000 tradeline is added, it will appear as a line of credit, which can boost your VantageScore.

  • How do I reach customer service?

    Our knowledgeable customer service agents are available 24/7/365 at 901-270-1444 or

  • How does your referral program work?

    If you have a family or friend who wants to unlock new possibilities with TCS, let us know. When your referral schedules a free consultation and joins the TCS family, you’ll receive a $25 Amazon e-gift card. Referrals must mention your name during their appointment to complete your eligibility for the e-gift card.