Tracy Arnett is a dedicated business owner and respected leader with over 15 years of experience in the credit repair industry. Throughout his career, he has remained deeply committed to helping individuals and families reclaim their financial freedom and build stronger futures. Tracy is the founder and driving force behind a successful credit repair company that has grown to a team of over 30 professionals, serving clients across California and beyond. With operations based in both Sacramento and Los Angeles, he has established a strong presence in some of the state’s largest and most dynamic markets.
What sets Tracy apart is not just his business acumen, but his personal mission to uplift others. he leads with empathy, transparency, and a genuine belief that everyone deserves a second chance. Whether he’s guiding clients through complex credit challenges or mentoring team members, he approaches his work with compassion and integrity.
Outside of his professional achievements, Tracy is a proud father to two sons, ages 16 and 12. His role as a parent is central to who he is, and his boys inspire him daily to lead by example—through hard work, faith, and service. Tracy is also a tech-savvy creative with a passion for building—from custom computers to innovative websites and new business ventures. he thrives on the challenge of taking an idea and turning it into something real, valuable, and sustainable.
Faith plays a foundational role in Tracy’s life. he is a devoted Christian and active member of his church, where he finds strength, guidance, and community. he is also committed to giving back, regularly donating to charitable organizations and supporting causes that reflect his values of compassion, empowerment, and faith in action.
Tracy Arnett is more than a business owner—he is a builder, a mentor, a father, and a man of purpose. His journey is rooted in resilience, service, and a deep desire to make a meaningful difference in the lives of others.
