Got Credit? Offers DIY Credit Repair
to Georgia Residents

Got Credit? has helped countless individuals and families across Georgia take control of their credit and work toward financial success.

In Georgia, operating a for-profit credit repair services organization is illegal and considered a misdemeanor offense. This prohibition is outlined in the Georgia Code § 16-9-59, which defines a credit repair services organization as any entity that, in exchange for payment, offers services aimed at improving a buyer's credit record, obtaining an extension of credit, or providing related advice or assistance. The law excludes certain entities from this definition, such as those authorized to make loans under state or federal laws, banks insured by federal agencies, nonprofit organizations exempt under Section 501(c)(3) of the Internal Revenue Code, licensed real estate brokers, practicing attorneys, registered broker-dealers, and consumer reporting agencies as defined by the Fair Credit Reporting Act. Violating this statute by operating a credit repair services organization is classified as a misdemeanor in Georgia.

Despite these legal restrictions, credit health remains a critical factor affecting Georgia residents' financial well-being. A strong credit score can influence one's ability to secure loans, obtain favorable interest rates, and access various financial services. Conversely, a poor credit score can lead to higher borrowing costs and limited financial opportunities.

Our mission is to ensure that every resident has access to a fair and accurate credit report while equipping them with the tools to improve their personal and business credit. Even though we cannot fix your credit directly in Georgia, we offer a DIY credit repair program that includes credit monitoring and AI-assisted credit repair, allowing you to take charge of the process with expert guidance.

For many in Georgia, navigating financial challenges can feel isolating. Whether you’re an entrepreneur building your business or someone striving to improve your credit, the journey can be overwhelming without the right support. You may encounter discouragement from others who don’t share your drive for financial success.

A key principle to remember is: “Your network shapes your net worth.”

Surrounding yourself with motivated, financially-minded individuals can help you achieve more and stay focused on your goals. If you're ready to take the next step toward financial freedom, we're here to provide the tools and support you need.

YOU DESERVE TO BE AMONG OTHER WINNERS IN GEORGIA

Financial Data for Georgia

Having bad credit in Georgia can significantly impact your financial health, particularly concerning housing and auto loans. Here's a breakdown:

• Median Household Income: $74,664.

• Median Home Price: $374,500.

• Average Monthly Mortgage Payment (10% Down): Approximately $2,148.

• Average Rent Price: $1,530 per month. 

Top 5 Growing Small Businesses in Georgia

1. Tech Startups:

   • Why They're Growing: Cities like Atlanta are becoming innovation hubs, with startups focusing on software development, fintech, and cybersecurity. The presence of institutions like Georgia Tech fosters a strong talent pool and entrepreneurial ecosystem.
   • Credit's Role: Entrepreneurs with good credit can secure funding to scale their operations, while those with poor credit may struggle to access venture capital or small business loans.

2. Renewable Energy Contractors:

   • Why They're Growing: Georgia's commitment to renewable energy has increased demand for businesses specializing in solar panel installation and energy-efficient solutions.
   • Credit's Role: Access to financing is critical for purchasing equipment and managing labor costs.

3. Local Food Producers:

   • Why They're Growing: Farm-to-table initiatives and consumer demand for locally sourced food have driven growth for small producers and markets.
   • Credit's Role: Good credit enables these businesses to invest in refrigeration, transportation, and distribution networks.

4. Fitness and Wellness Centers:

   • Why They're Growing: Boutique gyms and wellness studios offering specialized classes and holistic services are gaining traction.
   • Credit's Role: Business owners rely on strong credit to lease spaces, purchase equipment, and market their services.

5. Food Trucks:

   • Why They're Growing: The flexibility and lower startup costs of food trucks appeal to entrepreneurs looking to enter the food industry without the overhead of a traditional restaurant.
   • Credit's Role: Good credit facilitates the purchase of a food truck, kitchen equipment, and necessary permits.

Top 5 Failing Small Businesses in Georgia

1. Traditional Retail Stores:

   • Why They're Failing: The rise of e-commerce continues to challenge brick-and-mortar shops, especially in smaller towns.
   • Credit's Role: Limited access to credit prevents retailers from investing in online platforms or revamping their business models.

2. Independent Restaurants:

   • Why They're Failing: High operational costs and competition from chain restaurants have led to closures, particularly in smaller cities.
   • Credit's Role: Without strong credit, owners struggle to adapt by upgrading facilities or offering delivery services.

3. Independent Auto Repair Shops:

   • Why They're Failing: Advances in vehicle technology have made it difficult for smaller repair shops to keep up with required tools and certifications.
   • Credit's Role: Poor credit restricts their ability to invest in updated diagnostic equipment or specialized training.

4. Print Shops:

   • Why They're Failing: The shift to digital marketing has decreased demand for traditional printing services.
   • Credit's Role: Business owners with bad credit may be unable to diversify their offerings or invest in digital printing technology.

5. Coal Mines and Related Services:

   • Why They're Failing: The decline of coal as a primary energy source has led to the closure of many small mining businesses.
   • Credit's Role: Owners often face difficulties securing funding to transition to renewable energy sectors or retrain their workforce.

It's important to note that approximately 25% of Georgia businesses fail within the first year, highlighting the challenges entrepreneurs face in the state. 

Maintaining good credit is essential for small business owners to secure financing, invest in necessary resources, and adapt to market changes.

Got Credit? Helping Georgia Residents
Take Control of Their Credit

Got Credit? has worked with clients all over the country, helping them remove inaccurate and unverified negative accounts from their consumer credit reports. For over 14 years, we’ve assisted clients in disputing inaccurate negative items, including collections, late payments, charge-offs, bankruptcies, and more.

While we do not offer our credit repair services in Georgia, we do offer a powerful DIY credit repair program that gives you the tools and guidance needed to improve your credit on your own. Our DIY program includes credit monitoring and AI-assisted credit repair, making the process easier and more efficient.

The primary advantage of joining our community is the network of financially driven individuals you’ll become a part of. You’ll connect with people who have mastered the financial game—individuals who understand your journey and aspirations.

We go beyond just providing tools; we build lifelong partnerships. Our DIY credit repair program and community are designed to help you take control of your credit, build strong business credit, and achieve financial success.

What You Get With Our DIY Program:

✔ AI-Assisted Credit Repair Tools – Get step-by-step guidance on how to dispute and remove negative items from your report.
✔ Credit Monitoring – Stay on top of your credit with real-time updates.

Many of our clients say that after just a few months in our program, they’ve learned game-changing credit-building techniques that made the entire investment worthwhile.

Even though we can’t repair your credit for you in Georgia, we’re giving you everything you need to do it yourself—and do it successfully.

Join the other Georgia residents taking control of their financial future today. See you on the inside!