how it works

How Credit Repair Works

If arguable negative items are damaging your credit, removing those items can improve your credit report. Heres how:

1. Analyze

We review your concerns and help you identify the negative items that are hindering your score

2. Resolution

We challenge those negative items with the bureaus as well as creditors

3. Investigate

Challenge inaccurate and unverifiable accounts

4. Update

Provide support, 24/7 access to tools and portal


Credit Tools

CreditHub is able to help the majority of our customers in 1 of 2 ways — business funding and business credit repair. Based out of Chattanooga, Tennessee, and Atlanta, Georgia, we help businesses across the metropolitan area with all of their credit management needs.


We’re passionate about helping businesses find funding. Even if you have been told no in the past, we’ll turn that into a YES!


Identity theft protection from CreditHub offers a peace of mind by providing you with monitoring and recovery services.

Credit Monitoring

It can be difficult to reestablish credit after negative marks have impacted your score, but it can be done and CreditHub can help!

I Have Questions

Frequently Asked Questions

We’re proud to offer two levels of services, depending on your credit repair needs. Our most comprehensive service level assists in essential credit repair services. Get help with score tracking & analysis, tools to protect and manage your identity, and additional legal interventions for abusive third-party debt collectors.

Over the course of a 30-year home loan, you could end up paying as much as hundreds of thousands more in interest with average credit, compared to someone with good credit. This is given if you can get approved for a mortgage loan in the first place. Try our Credit Cost Calculator and determine where you can improve your credit score, and how much bad credit is costing you.

Good credit doesn’t stop at getting approved for a mortgage loan. Any lender who offers credit will take your score into consideration for car loans, credit cards, and home equity loans. The better your credit score, the more you’ll save in the long run with a lower interest rate. Many other entities such as insurance providers, apartment leasing, and employers might use your credit score to make decision about you.

Do you have more questions about your business credit score? Take a look at our most frequently asked questions.




Q: How is my credit score calculated?

A: The formula used to calculate your credit score includes information based on several factors:

  • 35% on your payment history
  • 30% on the amount you currently owe lenders
  • 15% on the length of your credit history
  • 10% on the number of new credit accounts you’ve opened or applied for (fewer is better)
  • 10% on the mix of credit accounts you have (mortgages, credit cards, installment loans, etc.)
Q: Will paying off delinquent debts improve my credit score?

A: Probably not. Still, it’s better to have fewer negative items on your report. To see the real score improvement, however, you’ll have to wait until the negative items are all gone or have aged off.

Q: Is there anything that can not be removed from my credit report?

A: No, all information reported by the credit bureaus are subject to the same laws and criteria. We may challenge on your behalf any items you request and the credit bureaus must investigate these items.

Q: Is credit restoration legal?

A: Absolutely. The Fair Credit Reporting Act allows anyone to dispute inaccurate items on their credit reports. There’s nothing we do that you cannot do yourself when it comes to fixing your credit situation. Individuals can restore their credit on their own but this can take time and a lot of knowledge when it comes to the credit laws. That’s why we are here to help since we have the experience and knowledge to get you the positive results.

Q: How do mistakes appear on my credit report?

A: It is estimated that as many as 80% of credit files have errors. If your credit report contains errors, it is often because the report is incomplete, or contains information about someone else. This typically happens because:

  • 1.) You applied for credit under different names (for example, Margaret Jones versus Margaret Jones-Smith)You applied for credit under different names (for example, Margaret Jones versus Margaret Jones-Smith)
  • 2.) Someone made a clerical error in reading or entering name or address information from a hand-written application
  • 3.) You gave an inaccurate Social Security number or the number was misread by the lender Loan or credit card information was inadvertently applied to the wrong account
Q: How soon will I start seeing results?

A: Although no guarantees can be made, on average, our clients typically start seeing results within the first 30 days or less. However, you should note that the FCRA allows the credit bureaus 30 to 45 days to investigate disputes, depending on how you obtained your credit report. This is why we recommend our clients to “buy” their credit reports versus getting them for free through www.smartcredit.com/creditdocs

Free Resources Access

10 Ways To Boost Your Credit in 2020

10 Ways To Boost Your Credit in 2020

Trying to figure out how to raise your credit score might seem like a massive challenge. After all, it’s not like you’re handed a “book on your life’s financials” when you become an adult. (Some of us think that would be a great idea, however.) It can seem like your...

How Business Owners Can Plan for 2020

How Business Owners Can Plan for 2020

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What’s bad credit and how to correct it?

What’s bad credit and how to correct it?

When you're talking about credit, or essentially the level of trust potential lenders have that you're going to repay money you've borrowed, you might fall anywhere on a scale from having very bad credit, meaning no one is going to give you any money, to outstanding...

5 Ways to improve your Credit Score

5 Ways to improve your Credit Score

1. Monitor your credit history. Before you start trying to increase your credit score, it’s important to learn more about your credit history and the various accounts that affect it. Regularly examine your credit report for mistakes. Incorrect credit limits, late...

The most frequently asked business credit myths debunked

The most frequently asked business credit myths debunked

A lot of people don’t understand the consumer credit system, and many more don’t understand the business credit system. Today I’m going to cover a couple of common business credit “myths”, and explain the truth that can be learned from them. Myth #1: Business Credit...

Lending Hub


Do you need help qualifying for funding and accessing financing for your business? CreditHub is the go-to source for business capital, to help entrepreneurs build a better future. Using our various resources and years of experience, our Tennessee and Atlanta based company is prepared to help you accomplish your goals. In addition to our expert financial team, we use an online platform that is designed for entrepreneurs like you in mind.

Improving your business credit doesn’t have to be hard, and it doesn’t have to take forever — not with CreditHub”s help. We’re proud to help business personnel and families alike. If you are in need of credit repair assistance, business funding advice or help to get incorporated, we’re the team for the job.

As your business grows, graduate in better options

After you have been funded, you and your lending specialist are going to work through a plan in the future to get you better lending products. We’ll be there to help you take the next step when that time comes. 

lending hub

How the Funding Process Works

Complete one simple application.

Answer just a few questions about your business to see which products you are eligible to lend. CreditHub has leaders in every financial category, so you can be assured that you have access to the best products on the market.

Connect with a specialist in lending.

We will be joining you with an experienced lending specialist to consult with you and to get to know your business. Every company is unique. Our goal is to find a product that fits your needs perfectly.

As we shop your options, sit back.

You don’t need to shop, we’re doing it for you. Our technology matches you with the products you are qualifying for, and your lending specialist is working for you to find your best options.

Compare numerous offers—together.

Your lending specialist will guide you through the details of your offer. We’re here to help you compare your offers, crunch numbers, and find for you the absolute best product.

Choose a product that best suits your lending needs.

With your specialist’s advice and a clear understanding of your options, you can move forward confidently with the product that best suits the needs of your business.

We’re on your side.

Comparing your options is free.

Comparing your options is free. Discover all your options

Comparing your options is free. Discover all your options free of charge in one place. Once you are funded, we get a percentage from the financial provider — meaning you’re never going to pay a cent to CreditHub.

Your interest is our greatest concern

We are not encouraged to work more than others with certain financial providers. Our job is to provide pressure-free advice to help you find your best-fit lending product.

AR/PO Finance

We offer Account Receivable Installments Loans and Credit Lines with Rates of 1% and less

Business Credit Builder

Get Credit for your EIN That’s not linked to your SSN

Business Funding

Unsecured Credit Lines up to $150,000. Even for Startups

401K/Securities Financing

We offer financing for many different, even unique property types.

Equipment Finance

Purchase Order Financing and Inventory Credit Lines

Revenue Finance

Revenue Lending and Cash Advances with 72 Hour Funding

Commercial Real Estate

We offer financing for many different, even unique property types. With our commercial real estate financing, you can acquire the funding you need

business services

Business Credit Tools

Types of Credit We Help You Access

  • Set up your business to meet lender and credit issuer credibility standards to get automated approvals
  • Set up and activate your credit profile with Dun & Bradstreet, Experian, and Equifax Commercial and get your free D-U-N-S number (which is essential to building great business credit.)
  • Get initial trade credit to build your business credit reports with no personal credit check.
  • Access up to $150,000 in unsecured credit with 0% rates that you can secure even as a startup.
  • CreditHub helps you get your business set up the right way to meet lender and credit issuer approval requirements, and get approved for initial business credit that reports and builds your profile with Dun & Bradstreet, Experian, and Equifax Commercial.

Helping businesses get off the ground or out of a bad spot is highly rewarding for us. Equally as rewarding is when we are able to assist a business in establishing or restoring their credit. Using a cutting-edge financial suite we are able to guide you through the credit building process. Our program will easily walk you step by step through a streamlined process that is proven to produce results.process that is proven to produce results. 

In order to run and build your successful business, you need to qualify for loans and credit lines at the best loan rates possible. Business credit is essential to make this happen, and it helps you access money even when you can’t qualify for a loan. The CreditHub Business Credit Software helps you build your business credit (that’s not linked to your SSN) step by step using a proven, highly personalized and comprehensive process. By using our user-friendly & intuitive software and the only full-service business credit adviser team in the industry, you’ll be guided step by step from beginning t end, simplifying your experience of obtaining business credit.

Incorporate Your Business

in Any State

Business Credit Cards

Find out if you quality for business financing.

cloud communication system

As your personal financial marketplace, we make it a priority to get you in the best financial position you’ve ever been in.

get incorporated

Take your future into your own hands and utilize Start your Business Today. Any State

merchant services

Apply for merchant services now!

CredithuB HQ

200 W M L King Blvd suite 1000

Chattanooga Tn 37402

training center

121 Perimiter Center W Floor 2
Atlanta, GA 30346