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credit repair process

How It Works

Step 1, simply call for a free consultation. No contracts or obligations. We’ll begin right away to customize a credit plan. Step 2, Enroll. Step 3, just sit back & relax. MORE »

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Success Stories

“I never thought I would be able to buy a house. But with their hard work and advice, I am now a new homeowner! They are very good at what they do. Thank you, Key Credit Repair! — KT, on April 6

FAQ's credit repair


Call 24/7 877.842.5215 to request a free consultation. Our experts will conduct an orientation and walk-thru of the credit repair process. It’s free, and there are no obligations. GET STARTED »

BBB Trusted


Key Credit Repair is top rated, fully insured, bonded, and nationally recognized for “Standards of Excellence.” Learn how we have earned the trust of thousands. Check out our reviews with the BBB.

Clean Up Your Past

Clean Up Your Past

We will work aggressively with the credit agencies and previous creditors to challenge the negative records that are hurting your credit score. We will work vigorously to make sure your credit is accurate!

Monitor Your Progress

Monitor Your Progress

We will monitor your progress around the clock. Our client portal will send you constant reminders of Key target dates and changes. Our team can also assist you with free credit monitoring.

Helpful Resources to Repair Your Credit

Helpful Resources to Repair Your Credit

With more than 500+ free credit education videos our company is prepared and ready to set you up for financial greatness!



While cleaning up your negative marks it's just as important to build up a rock solid credit report with healthy tradelines and activity. Our team of credit experts will guide you through this process and get you all the resources you will need to build up a rock solid credit profile.

Having bad credit problems?

We can understand your plight and we can help you in recovering yourself from its blows.

If you haven’t thought about credit repair at all, think about it now, because a bad score does not only affect your stance on the loans or debts you take, it can make you jobless, homeless, and devoid of every other service or asset you hold so dear to yourself.

Why should I fix my credit score?

Because nearly every business today is leveraging their resources to put you in one pan of the weighing scale and your credit score on the other pan. Nearly each of them first considers your credit score before even talking to you about the deal that you are trying to secure.

You didn’t know this much, right? We can understand your condition as we have dealt with a lot of customers previously who, too, were facing the problems of a bad score. They couldn’t secure a loan, or buy a house, or do things as simple as applying for credit cards. Their years of mismanagement had taken a toll on their way of life. However, you can save yourself from this as we are at your back.

Well, we did state a few of the reasons for having your credit score checked and corrected. However, if you are still not convinced, read on further to know all about credit repair, how to improve your credit score, what credit agencies are involved in calculating your score, how you can increase your credit score, and get other credit help from us.

First, let us present you with some of the reasons to check, and fix your credit score as soon as possible.

1. You can secure low-interest rates on a loan

Those people who have a very low credit score always run into the risks of securing high-interest rate loans. Since none of the companies trust them as they judge them through their credit score, they can ultimately face the consequences in the form of a high-interest rate. Basically, this interest rate if for keeping a strict eye on the borrowers.

However, you can secure yourself from this dilemma by repairing your credit score in no time. You can take the advantage of borrowing a loan with low-interest rate because the financial institution that you’re borrowing loan from would have trust in your financial capacities.

2. You’d be able to pay low-security deposits

Security deposits are a headache. They can get even messier when you have a low credit score because any utility service provider would charge extra money while charging the security deposit from you. They do this to stay on the safe side. In the event that you default, they can then use this money to replace the loss. Simple as that. Therefore, you need to fix your credit score in due time so that you can use any service or any utility without any hassle.

3. You can get a low insurance rate

Insurance makes a larger part of your life, we know this. However, there is a certain catch here and that is only when you have a low credit score. Since your credit score identifies your ability to pay for the insurance, having a bad score would definitely make you liable to pay more for the insurance funds.

In the event of doing this, not only your financial status would be affected, but the amounts could mount up as your scores keep on deteriorating. That’s one of the major drawbacks of a bad credit score.

4. You wouldn’t have to pay cash for everything

Paying upfront cash can be a menace sometimes. As we said above, if you have a bad score, and you’re not looking for credit repair companies to fix credit, you would have a hard time applying for a credit card or securing any other kind of cards for indirect payment.

Having a bad credit score would mean paying for something as simple as renting a car to more complex matters. And by not having access to your card, you wouldn’t be able to enjoy a plethora of different facilities like online shopping.

5. You’d be able to increase your credit limits

Your creditors wouldn’t like crediting money to your card at all when you have a bad credit score. This is where you require credit counseling to understand the repercussion of a not-so-good score. By having our credit repair services, you can repair your credit and fix it for the betterment of your credit limit. As you keep on improving it, you will experience that your creditor will finally increase the credit limit as they’d get to know that you can repay the credit loan that you’ve taken from them.

6. You’d be able to fend off the credit collectors

We all familiar with the harassment of the credit collectors that represent the collection accounts. There’s a good way to fend them off, and that is by fixing your credit score. But if you don’t do it, you can take actions against the debt collectors but since your collection accounts wouldn’t stop until they recover all the debt, you’d experience multiple harassments as they hire different credit collectors.

It is a vicious cycle and you can only stop it by improving your credit score.

7. You can buy a new house or an apartment

A mortgage loan is something that we all need in case we don’t have any upfront money to pay for the cost of the house or the apartment. You wouldn’t be able to secure a loan if your credit score is not up to the mark. This is obvious and you need to have credit help as fast as possible. The house that you have your eyes on might be sold anytime soon, so, what you need to do is approach a best credit repair company like ours.

We can help you regain the reputation to have a better apartment or a house for purchase. Or, you could simply purchase the apartment or the house you have your eyes on.

8. You can rent without any problem

Renting requires you to pay a deposit fee or security fee. However, if you don’t invest in building your credit, you wouldn’t be able to rent any house, car, or any other service that you’re looking for. Therefore, without any further ado, you should consult us and have your credit repaired for your own betterment.

9. You’d be able to get a job

Certain governments, financial institutions, and corporates look at your credit score before deciding your credit score. Therefore, if you don’t have a reasonable and encouraging credit score, it would affect your ability to get a job. This becomes quite of a nuisance for everyone who experiences this. If you don’t want to be among these people, you’d have to repair your score.

10. You can start your own business

Venture Capitalists or any business financing loan providers wouldn’t consider you for the loan if you have a very bad score. When this happens, you wouldn’t be able to start your own business as you wouldn’t have the money.

However, when you consult credit repair companies and credit counseling services, you’d be finally able to have someone that can repair your credit score without charging much and without putting you through major hassles.

So, these were the reasons that you need to have your credit score corrected or fixed before you run into some kind of a risk.

Now, let us consider what effects your credit score?

Your credit score is important in determining your day-to-day life processes and maintaining it as you want. It is an established fact, that nearly every business is trying to put emphasis on the credit score of their customers because that is what determines their abilities and capabilities to cope with any type of loan, services, or any utility. Therefore, considering the importance of the credit score, you ought to improve it for the best of your future.

You might have had a very appreciable credit score before, but it suddenly dropped out seemingly without any reason. While you must think that, let us tell you that there are many reasons and causes that bring down your credit score. So, if you are looking for “how to fix my credit?”, you should first know what damages it.

1. Your ultimate payment history

Did you know that your previous payment history makes 35% of your credit score? If you’ve paid your bills and utilizes in time, your credit score would be improved as it makes a greater chunk of it. However, payment issues, charge-offs, bankruptcy, foreclosure, and other financial issues can seriously bring your credit score down to a very dangerous level.

Therefore, the best practices for you is to pay your bills and make payments on time to fix your credit. But if you are one of those that have fallen into the pitfall already, we can help you in no time.

2. Your debt affects it

30% of your credit score is your debt that you have taken for various purposes. FICO score focuses on the amount of debt you have borrowed, your credit card limit in a ration to your credit limit, and your loan balance related to your original loan capital.

You can either pay down the debts or have your credit score come down to unexpected levels. In the event of not having the amount for paydown, you can rely on our expertise.

3. Your credit age

Credit age makes 15% of your overall credit score. Although you can see that it is a small part, you wouldn’t know that it can affect your credit score beyond your expectations. If you have a younger credit score, it will affect your overall performance in the credit area by 15%. But if it is older, you don’t need to worry about.

For those who are facing the younger credit issues, we have tactics that can mitigate its effects on their credit score.

4. The types of credit accounts that you have

When it comes to credit accounts, there are two types:

a. The resolving accounts.

b. The installment accounts.

Through our experience, we have found that having both of these accounts is beneficial for your credit score by 10%. However, having only one of them also don’t have anything to do with bringing your score down.

We can employ various ways in which we can see how your score can be improved by leveraging the loan types, depending on the provisions of the credit agencies.

5. Inquiries can hurt your credit

One or two credit inquiries are okay. However, when these numbers increase, you can face a lot of resentment on the part of your creditors and also the agencies who are evaluating your score. In the event, you can lose credibility because of constantly making applications.

The best practice, in this regard for you, is to avoid making any applications. However, if you’ve already done it in the last 12 to 24 months, you don’t need to lose hope because we are here to help you in every possible way to get things straight for you.

6. Factors that indirectly affect your credit score

Extending our credit help, we’d now state that there are certain aspects that do not affect your credit score directly. They have an indirect effect.

They are:

  • Your income
  • Your age
  • Employment status
  • Debit or prepaid cards
  • Bank allounces or balances
  • Marital status

Certain aspects such as the income, employment status, bank balance can affect your credit score in some instances, but your age, marital status, and all the other aspects stated above do not.

Factors such as the ones stated above are necessary to be considered if you want to have a healthy credit score. Of course, there are certain tactics that you can apply yourself, but having the expertise of someone like us is important in raising your credit score.

If you’ve been thinking about your score lately, but you don’t have anyone to go to in order to improve it, you can trust our credit repair services to depths.

Why should you choose Key Credit Repair?

We have been in the credit repair industry for far too long and we know the nitty-gritty of fixing your credit score. We have a firm customer base and we have been growing since the time of this company’s creation.

We are top rated credit repair company

Credit counseling and repairing is our forte, so if you are looking for “how to repair credit?”, you should stop short because we can be the right people to approach.

We have expertise in fixing your credit and eliminating every negative element from it in order to bring it towards positive numbers—the numbers that are so dear to you.

We can increase your credit score by 90 points in just 90 days

Credit repair companies would tell you otherwise as their services are outdated and they don’t have any idea of improving credit scores through the means that we do. We have a track record of 90 days in improving your score by 90 points. That sure is a lot of improvement.

You are free to read some of our customer’s testimonials who go at lengths in praising our unique approach to all the activities that we do and tactics that we apply in helping them regain the type of life they had before their scores weren’t bad.

We have a performance tracking system

Unlike most of the credit repair service providers, we have a front-end tracking system which you can use in order to see how we are doing in terms of credit repair. Our unique and intelligent customer portal records every bit of the detail of our work as a credit repair service. It can give you an insight into the way we are improving your credit score, and you wouldn’t even have to pay for that.

We believe in extending satisfaction towards our customers and this is why we let them track our performance without any fear. Because we know that we always come up with the right solution, we are never deterred by this traction. Instead, we feel honored to have been monitored by our customer for their own benefit.

How do we improve your credit score?

All the best credit repair companies out there would tell you stories of their services, while we are someone who shows it by our work. We never believe in words only as we know that action speaks louder than words. You can have your credit score increased in no time in a simple process that we have especially formulated for our customers to make their lives easy.

  1. We review your credit score first by analyzing your credit report. We look at all of the negative aspects that have damaged your scores such as charge-offs, tax lien, later payments, and certain judgments.
  2. After we filter out all the necessary negative elements, we then write to all of the three agencies (Transunion, Experian, and Equifax) to explain your position, the disputes, appeals and all the validation requests. We also write directly to the creditors and provide them the same information.
  3. While we are working on the improvement of your credit score, you can meanwhile check out all of the progress in the client portal. As you’ll monitor us, you’d see how we are able to improve your credit score as we apply different tactics.
  4. Until this step, the majority of the discrepancies would have been removed by us. However, since we know that haste makes waste, we start analyzing your report again and see if anything has been left out. If it turns out that this is the case, we simply repeat the process without delaying anything. This step would be repeated by us every 30-45 days until you are completely satisfied with our performance as credit fixers.

How does our process work?

We started our unique ways of how we improve your credit score. However, before even reaching there, we always take few steps that can help us enroll clients.

Here’s how our process works.

1. Consultation

We’d first explain our services to you so that you can see whether we are a suitable pick for you or not. Also, in the discussion, we’d talk about your options.

2. Enrollment

Once our services and your credit needs are aligned, we’d get enroll you for them. We’d see you through all the process that follows. You’d have our plan of correcting your credit score.

3. Sit back and relax

If you want to remove any erroneous information from your credit score, you should have proper communication with us and believe in persistence.

We guarantee you the effectiveness of our services that can be fruitful for you and your credit score.

How much do we charge?

Unlike other credit companies, we do not fleece our customers. We believe in charging what we deserve as a credit repair company. Our promise of improving your credit score in 90 days by 90 points come with a very reasonable fee that is competitive as compared to the other companies in the industry.

We charge a monthly fee without incurring any additional fee or any hidden fee upon you. This monthly fee covers our direct communication with the 3 top agencies all at once.

How well are we received?

We have an extraordinary reputation in the market. We measure our success story by the interest that people take in us and the details that they entrust us with. So far, if we look into our history, we have served customers according to their demands. This is what makes us stand out among the best credit card repair companies.

If you think we’re over exaggerating, you can see the testimonials given by other people to us by following this link:

Credit repair is necessary if you want to live your life to the fullest without any barriers whatsoever. There are certain individuals that believe the stories on the internet that they can improve their credit score themselves, while they don’t know that the truth is totally different. Any person with a bad score can improve their scores but only when the avail credit counseling and credit repair services. So, why are you wasting your time?