Welcome to XTS Credit, your trusted source for professional credit repair, score recovery, and financial education. Founded by Zaria Woolridge, we proudly serve Memphis and clients nationwide who are ready to take control of their credit future. We’re committed to delivering results with transparency, integrity, and urgency.
Whether you’re dealing with inaccurate items, credit denials, or you just want to qualify for that next big purchase, our experienced team is here to help. With personalized strategies and compassionate guidance, XTS Credit is where your financial comeback begins.
About Us
Our Mission Statement
At XTS Credit, our mission is to educate and empower individuals to take control of their credit and unlock financial opportunities. Through personalized repair services, real-time support, and honest strategies, we aim to remove barriers and help our clients build lasting credit strength and financial confidence.
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Our Vision Statement
Our vision is to become a national leader in credit repair and financial empowerment — a trusted brand that equips everyday people with the tools, support, and knowledge to change their lives. We believe credit health is a gateway to freedom, and we’re here to open the door.
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About the CEO: Zaria Woolridge
Zaria Woolridge, founder and CEO of XTS Credit, is a champion for financial transformation and credit recovery. Known for her work in tax services and professional mentorship, Zaria brings the same expertise, care, and dedication to the world of credit repair.
She understands that credit struggles can be stressful and discouraging — and that’s why she created XTS Credit as a space for hope, honesty, and real results. Her programs are built on the belief that anyone can rebuild with the right guidance.
From disputing inaccuracies to providing budgeting tips and lending education, Zaria leads with passion and purpose. She’s helped countless clients increase their scores, qualify for homes, and secure new financial opportunities — all while educating them for long-term success.
Her motto? Repair. Rebuild. Rise. At XTS Credit, Zaria’s vision fuels a mission to help every client unlock their full financial potential.