Contact Us
At XTS Credit, we specialize in professional credit repair and financial restoration services. Backed by Xzotic Tax Solutions and led by CEO Zaria Woolridge, our Memphis-based team is passionate about helping clients take control of their credit health. Whether you’re rebuilding, correcting errors, or preparing to make a big financial move, we’ll help you create a stronger financial future — one step at a time.
XTS CREDIT
Why Choose Us?
Credit Expertise:
With extensive knowledge of credit laws and reporting systems, we help you dispute inaccuracies and raise your score with confidence.
Flexible Plans:
Choose from affordable monthly or pay-per-deletion options — we tailor our services to your goals and budget.
Faster Results:
Many clients see improvements within 30 to 90 days — and we keep working until you’re satisfied with your results.
Credit Monitoring:
Track progress in real time with secure client portals and identity protection tools.
Referral Rewards:
Earn bonuses when you refer family, friends, or coworkers looking to improve their credit scores.
Free Consultations:
Book a no-pressure consultation to assess your credit needs — completely free of charge.
Our Services
Tailored Credit Solutions for Every Client
We don’t believe in one-size-fits-all. Our credit restoration services are customized to fit your goals, challenges, and timeline. Explore what we offer and book a consultation to create your personalized plan.
- Dispute inaccurate and outdated items
- Monthly service with flexible cancelation
- Secure client portal access
- Real-time progress tracking
- Tradeline consultation and access
- Advanced credit coaching
- Score analysis and forecasting
- Letter customization for each bureau
- Identity theft protection services
- Student loan and medical debt review
- Pay-per-deletion options available
- Referral incentives and bundles
How to Get Started
We make credit repair easy. Here’s how we help you take control of your financial future — step-by-step.
1. Speak with an Expert
We begin with a phone consultation to learn about your situation, answer questions, and make sure our services are the right fit for you.
2. Get the Show on the Road
Signing up only takes minutes. We collect your basic info and request a credit report from each bureau to begin your case file.
3. Client Enrollment
You’ll complete onboarding and gain access to your personal client portal where we track progress and updates.
4. Credit Analysis
Once enrolled, we perform a detailed credit analysis and build your customized strategy to improve and restore your score.
5. Challenges Sent
We mail certified disputes to the bureaus and creditors. You’ll begin seeing updates and results in the first few weeks.
6. Ongoing Support
We don’t stop there. You’ll have direct access to our team for continued support, education, and updates every step of the way.
Start Today
Life-Changing Results!
“My credit score went up 112 points in just two months. I didn’t think it was possible until Zaria’s team took over. Truly grateful for XTS Credit!”
Transparent & Effective
“They showed me every step and stayed in touch throughout the process. I’m now pre-approved for my first home loan — thanks to XTS Credit!”
Excellent Service
“I’ve tried other credit repair companies before, but none compare to the level of professionalism and care I received here.”