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Smith Financials LLC

4.8/5

Smith Financials LLC is a credit repair provider based in Memphis, Tennessee. Rated 4.8/5 with 59 Google reviews, reflecting exceptional customer satisfaction.

Contact for Pricing BBB: NR Free Consultation Visit Website

Smith Financials LLC Review

Smith Financials LLC is a credit repair provider serving clients in Memphis, Tennessee. Carrying a 4.8/5.0 Google rating from 59 reviews, Smith Financials LLC has an exceptional reputation among consumers in the Memphis area looking to repair and improve their credit scores.

Operating as a business center, business to business service, financial consultant, Smith Financials LLC provides a range of services for consumers seeking credit repair solutions. Additional information about their services and processes can typically be found on their website.

When evaluating credit repair services in Memphis, consumers should look for providers that dispute directly with all three credit bureaus — Equifax, Experian, and TransUnion. Key differentiators include transparency around pricing, realistic timelines for results, and whether the company offers a money-back guarantee. Smith Financials LLC operates in a highly regulated industry under the Credit Repair Organizations Act (CROA), which requires written contracts, a three-day cancellation window, and prohibits upfront fees before services are rendered.

Consumers in the Memphis, Tennessee area who are considering Smith Financials LLC should contact the company directly to discuss their specific situation and get current pricing information. As with any credit repair provider, it is advisable to compare multiple options, verify licensing and credentials, and read recent customer reviews before making a decision.

Services & Features

Credit report analysis
Dispute filing with credit bureaus
Creditor negotiations
Credit counseling
Score monitoring
Identity verification
Tax preparation assistance

Feature Checklist

Credit Monitoring
All Three Bureaus
Goodwill Letters
Cease & Desist Letters
Debt Validation
Credit Education
Identity Theft Protection
Score Tracking
Mobile App
Online Portal
Personal Advisor
AI-Powered Tools

Pros & Cons

Pros

  • Highly rated by customers (4.8/5 on Google)
  • Established track record with 59 customer reviews
  • Google-verified business
  • Online presence for easy access to information
  • Online appointment booking available

Cons

  • Pricing information not publicly verified — contact provider directly
  • Service details may vary — confirm specific offerings before enrolling
  • Limited publicly available information about specific service methodology

Rating Breakdown

Value
4.5
Effectiveness
4.6
Customer Service
4.7
Transparency
4.3
Ease of Use
5.0

Frequently Asked Questions

Is Smith Financials LLC legitimate?

Yes. Smith Financials LLC is a registered company headquartered in Memphis, TN. They hold a NR rating with the Better Business Bureau.

How much does Smith Financials LLC cost?

Contact Smith Financials LLC directly for current pricing information. Contact provider for current pricing and guarantee details.

How long does Smith Financials LLC take to show results?

Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.

Quick Facts

Headquarters
Memphis, TN
BBB Rating
NR
BBB Accredited
No
Starting Price
Contact provider
Setup Fee
None
Free Consultation
Yes
Money-Back Guarantee
No
Visit Smith Financials LLC

CreditDoc Diagnosis

Doctor's Verdict on Smith Financials LLC

A reputable credit repair provider serving the Memphis area. Consider if you prefer in-person consultations with a local company. Verify current pricing and services directly.

Best For

  • Consumers in Memphis, Tennessee looking for credit repair services
  • People who prefer working with a local credit repair provider
  • Individuals with negative items on their credit reports
  • People preparing for major purchases like home or car buying
Updated 2026-03-19

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