Question 1

What is your 100% money back guarantee?

Accepted Answer

You are entitled to a 100% refund on all monthly payments if:
-We do not remove any negatives worked on.
-You have had 120 days (4 consecutive months) from the time that you retain our services.
-You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.
-You have had no new collections or missed payments during the time frame we are assisting you.
-You have maintained credit monitoring services at all times during the time frame we are assisting you.
-You agree & have sent updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt.You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.

Question 2

Is credit repair legal?

Accepted Answer

​Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Question 3

​Is credit repair and education worth my time and money?

Accepted Answer

Contrary to what credit bureaus want you to believe, credit repair does work, but it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

Question 4

In addition to starting the credit dispute process with KCS, what can I do to help raise my credit score?"

Accepted Answer

- Pay your bills on time, EVERY time. This includes your utility bills, mortgage, rent, car note, and all of your revolving lines of credit such as credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here.
 
-Never charge more than 20% of the available balance (credit limit) on any of your credit cards. Lendors like seeing on time payments and several credit cards that are not "maxed-out". If you have high balances on your credit cards, make paying them down below 20% a priority. A common misconception about credit is, to cut your credit cards or stop using them to increase your credit. That is farthest from the truth, USE your credit cards!!! Use your cards responsibly and with a purpose. If you are afraid that you cannot handle your credit cards correctly, try what I call making your credit score jump like Jordan! Pay your cheapest bill, such as Netflix and Apple music, on your credit cards each month, then pay the balance in full by the due date. This ensures that your bills get paid on time automatically and as long as you keep the habit of paying off your credit card balance each month your score will continue to increase. Leave the credit cards locked in a safe or drawer at home to make sure you do not use the credit card irresponsibly.
 
- Keep your accounts open as long as possible even if you are no longer using the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active (credit history) is a major factor in your credit score.
 
-Remember that this takes time. Credit repair is a marathon not a sprint. Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight! Do not be discouraged if you do not see results instantly. Develop the above habits to maintain a better financial future and become a #FinancialFreedomWarrior.

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