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Average credit score in Memphis is about 607 while national average is around 687. Memphis has one of the lowest credit score in the whole Memphis Metro area when compared with other cities like Nashville TN ( 668 ), Knoxville TN ( 686 ), Collierville TN ( 738 ), Madison TN ( 614 ). Germantown TN has the hightest credit score among all these cities with a average credit score of ( 758 ). If you are living in Memphis metro area and have poor credit, it's easy to be tempted by promises of quick fixes. There is no Quick Fix to a bad credit. Get a free Credit Repair Memphis TN by calling our local number 901-979-9730. Take the first step towards you credit repair today.