Chattanooga, TN

Credit Repair & Financial Services in Chattanooga

Review 8 credit repair companies, personal lenders, and financial services in Chattanooga, Tennessee. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Tennessee avg credit score: 695 Median income: $63,109 Poverty rate: 13.4% Payday loans: Legal Tennessee overview →

Featured Provider Profiles in Chattanooga

8 companies
Consumer Credit Counseling Service of Chattanooga logo

Consumer Credit Counseling Service of Chattanooga

Non-profit credit counseling agency serving Chattanooga and Tennessee River Valley for 40+ years, offering debt management, credit counseling, and housing counseling with no listed cost.

4.4/5

Google rating from 8 reviews

BBB: NR

Profile signals: Chattanooga and Tennessee River Valley residents with maxed-out credit cards seeking debt elimination through managed payment plans, Homebuyers in the service area needing first-time buyer education and housing counseling

Basf Chattanooga logo

Basf Chattanooga

BASF Chattanooga FCU is a member-owned credit union serving BASF Corporation employees in Chattanooga since 1959, offering savings accounts, loans, and retirement planning.

BBB: NR

Profile signals: BASF Corporation employees in Chattanooga seeking member-owned credit union benefits and personalized service, Retirees and pensioners from BASF who maintain eligibility and want to consolidate financial services

Builtwell Bank logo

Builtwell Bank

Community bank offering personal and business banking services with FDIC insurance, located in Tennessee and Northwest Georgia, emphasizing personalized local service.

BBB: NR

Profile signals: Customers in Tennessee and Northwest Georgia seeking relationship-based community banking, Small business owners needing treasury management and commercial banking services

Cccs of Rochester-Chattanooga logo

Cccs of Rochester-Chattanooga

CCCS of Rochester-Chattanooga is a non-profit credit counseling organization offering debt management plans and financial guidance to help individuals regain control of their finances.

BBB: NR

Profile signals: Individuals struggling with multiple debts seeking structured repayment plans, Consumers who have overpaid or experienced billing issues with their debt management service

Chattanooga Area Schools logo

Chattanooga Area Schools

Chattanooga Area Schools FCU is a member-owned credit union serving educators and school employees with online banking, mortgages, and financial services.

BBB: NR

Profile signals: Chattanooga-area school employees and educators seeking member-owned financial services, Homebuyers in the region looking for fixed-rate mortgage options with potential member pricing

Epb Employees logo

Epb Employees

EPB Employees Credit Union is a member-owned financial cooperative serving EPB employees, retirees, contractors, and families in the Chattanooga area since 1954.

BBB: NR

Profile signals: Current and retired EPB employees seeking member-owned financial institution with employer connection, EPB contractors and their immediate family members needing full-service banking and lending products

Credit Unions in Chattanooga

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Basf Chattanooga logo

Basf Chattanooga

BASF Chattanooga FCU is a member-owned credit union serving BASF Corporation employees in Chattanooga since 1959, offering savings accounts, loans, and retirement planning.

BBB: NR

Profile signals: BASF Corporation employees in Chattanooga seeking member-owned credit union benefits and personalized service, Retirees and pensioners from BASF who maintain eligibility and want to consolidate financial services

Chattanooga Area Schools logo

Chattanooga Area Schools

Chattanooga Area Schools FCU is a member-owned credit union serving educators and school employees with online banking, mortgages, and financial services.

BBB: NR

Profile signals: Chattanooga-area school employees and educators seeking member-owned financial services, Homebuyers in the region looking for fixed-rate mortgage options with potential member pricing

Epb Employees logo

Epb Employees

EPB Employees Credit Union is a member-owned financial cooperative serving EPB employees, retirees, contractors, and families in the Chattanooga area since 1954.

BBB: NR

Profile signals: Current and retired EPB employees seeking member-owned financial institution with employer connection, EPB contractors and their immediate family members needing full-service banking and lending products

I B E W 175 logo

I B E W 175

IBEW 175 Federal Credit Union is a member-owned financial institution serving union members and their families since 1961, offering competitive loan rates, savings accounts, and digital banking services.

BBB: NR

Profile signals: IBEW Local 175 union members seeking competitive auto and vehicle financing, Credit union members prioritizing 24/7 digital banking and mobile app access

Banks in Chattanooga

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Builtwell Bank logo

Builtwell Bank

Community bank offering personal and business banking services with FDIC insurance, located in Tennessee and Northwest Georgia, emphasizing personalized local service.

BBB: NR

Profile signals: Customers in Tennessee and Northwest Georgia seeking relationship-based community banking, Small business owners needing treasury management and commercial banking services

Rockpointbank, National Association logo

Rockpointbank, National Association

RockPointBank is an FDIC-insured national bank based in Chattanooga, TN, offering personal and business checking, savings, CDs, loans, and digital banking services.

BBB: NR

Profile signals: Chattanooga-area residents and businesses seeking relationship-based community banking, Small to mid-size businesses needing comprehensive banking and treasury management services

Free Help in Chattanooga

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Consumer Credit Counseling Service of Chattanooga logo

Consumer Credit Counseling Service of Chattanooga

Non-profit credit counseling agency serving Chattanooga and Tennessee River Valley for 40+ years, offering debt management, credit counseling, and housing counseling with no listed cost.

4.4/5

Google rating from 8 reviews

BBB: NR

Profile signals: Chattanooga and Tennessee River Valley residents with maxed-out credit cards seeking debt elimination through managed payment plans, Homebuyers in the service area needing first-time buyer education and housing counseling

Cccs of Rochester-Chattanooga logo

Cccs of Rochester-Chattanooga

CCCS of Rochester-Chattanooga is a non-profit credit counseling organization offering debt management plans and financial guidance to help individuals regain control of their finances.

BBB: NR

Profile signals: Individuals struggling with multiple debts seeking structured repayment plans, Consumers who have overpaid or experienced billing issues with their debt management service

Your Rights in Tennessee

Tennessee Consumer Protections: Tennessee allows payday lending with a $500 cap and 15% fee limit. Borrowers are limited to two simultaneous loans. The Department of Financial Institutions regulates all consumer lenders, and complaints can be filed with the Department or the Attorney General.

Interest Rate Cap: Tennessee usury cap: 24% for consumer finance loans; payday loans regulated under Deferred Presentment Act.

Key Regulations:
  • Payday loans (deferred presentment) capped at $500 with maximum fee of 15% of the advance.
  • Maximum loan term is 31 days.
  • Borrowers limited to two outstanding payday loans at a time.
  • The Tennessee Consumer Protection Act provides additional safeguards against deceptive lending.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Tennessee Attorney General Consumer Protection Division.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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