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Credit Repair Programs for Any Budget

GOLD PROGRAM

  • Corrections with 3 Bureaus at accelerated rate
  • Debt Validation with Creditors
  • Specialized Forensic Audit
  • Personal Credit Concierge™
  • Personalized Credit Education
  • Access to Credit Lines

PLATINUM PROGRAM

  • Credit Report Forensic Audit
  • 3 Bureau Corrections
  • Personal Credit Concierge™
  • Credit Educational Programs
  • Access to Credit Lines

PLATINUM PLUS PROGRAM

  • Corrections with 3 Bureaus
  • Debt Validation with Creditors
  • Credit Profile Forensic Audit
  • Personal Credit Concierge™
  • Exclusive Credit Education
  • Access to Credit Lines

BUSINESS CREDIT PROGRAM

  • Creation of a business credit profile
  • No Personal Guarantees!
  • DUNS Number, and more
  • $50,000 in business credit lines in 6 mo…Guaranteed!*
  • Access to more than 2,900 funding sources

Why Repair Your Credit with 800Credit.com ?

Testimonials

I was quickly approved for business financing and was able to get money to start my new franchise. Thanks for the help!

Adam Thomas

You're the best! You got me approved for funding even when my personal bank turned me down due to bad personal credit.

Dorothy Lowell


My personal credit is not that good. After getting turned down at multiple banks, I signed up with your business credit program. I have made really good progress and obtained $10,000 so far. Thanks, I appreciate it!

Brett Russell

I can't thank you enough! I was able to get enough capital to cover the expenses we had during our closed season. Thanks to your help, I just got funded based on my accounts receivable. I also received a loan for miscellaneous expenses.

Maria McClure


I figured I had business credit since I have been in business almost 10 years, but I found out I didn't have any history at all. With your help, I was able to build my business credit and was able to obtain financing really fast.

Steve Trigg

Donna is a highly professional business associate with fantastic results in her field of expertise! I would recommend Donna to anyone needing her advice and or consulting expertise! Hat's off to Donna!

Denise Yeagle


Frequently asked questions

1What is Credit Repair?
Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).
2How does our service work?
Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).
3What items can be removed?
This is a tricky question. For one, we can't tell you upfront that ANY item can or will be removed from our clients' credit reports. Again, like all legally compliant credit repair agencies, we can only remove items that show to be inaccurate, outdated, or unverifiable. However, MANY items on most people's reports could fall into one of those categories. For a list of items we have helped remove in the past, check out our results page
4How long does this service take?
We provide all our clients with an estimated time frame for service. In general, clients are usually with us from 6 to 12 months. However, this is not saying all items will be removed in that time frame or that all items will be removed at all. This is just the usual time frame people choose to stay in our program.We work to achieve your goals as fast as possible.
5Why do I mail my own letters?
Most other credit repair companies mail your correspondence for you. They do this to hide their tactics from you. They don't want you to see that all they do is claim the items are "not yours" over and over. In our service, you print, sign, and mail your own dispute letters. We, of course, create all of this correspondence for you, so your job is very easy. The reason we do things this way is quite simple. The FCRA allows the bureaus to ignore any letter that does not come directly from the consumer. They can't claim the letter didn't come from you if it has your signature, includes your proofs of identity, and was mailed from your zip code.
6Why do I have to prove my identity?
The simple answer is because the credit bureaus say so. Unfortunately, there is wording in the law to require you to give them information. If you don't supply the proof of your identity and address, the bureaus will simply ignore your dispute and you will get nowhere. Below is a list of what can be used as proofs.
1How much will my score go up?
As much as we would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the "human factor". We don't know what you are going to do during this process. You might get new lates, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service. REMEMBER! KC Credit Services is hired only to help remove items from your report that you wish for us to work on, the score change is simply a byproduct of our service.
2Will I get approved for my house, car, funding, etc?
We must make it very clear, KC Credit Services does not give any type of loans or financing. Therefore, we can not tell you if you will be approved for any of those things. Many people come to us with very poor credit and hope to be approved for loans or funding programs with very strict financing guidelines. Remember from above, if we can't promise you ANY item is going to be removed from your report, how could we possibly assure you that you will be approved for a loan after working with our program? We are here to help and we help hundreds of people, but please do not expect
3Is there any way to speed up the process?
Short and sweet... NO. We want this service done as fast as possible. Think about it, we don't get deletion fees until items are removed. We would love for there to be a legal way to make things "disappear" in seven days. However, it just doesn't exist. Now for a little more detail... From the time the credit bureaus receive your dispute, they have 30 days to respond. This leads some people to believe that if it has been more than 30 calendar days, then they MUST remove those items. This is simply not the way it works. There are sections of the law that allow them additional time under certain conditions.
4What about "online" disputes?

Some companies try to speed up their service by using online disputes. There are a whole host of reasons NOT to do this. Additionally, you should never dispute online either. Here's why:

When a dispute is entered online, it goes into EDRP or expedited dispute resolution process. This sounds great until you read a little further unto the FCRA. It clearly states that if a dispute goes into EDRP then the bureaus do not have to comply with certain sections of the FCRA.

Did you hear that? They get to ignore the law!

The sections they don't have to comply with are also quite handy in the credit repair process. One section is the "Method of Verification" section. If an item comes back as verified, they don't have to tell you "HOW" it was verified. Another section is the "Re-Insertion Letter" section. Usually, if an item is deleted, there are steps the bureau must follow in order to be able to re-insert that item. One of these steps is to send you a re-insertion letter before placing the item back on your report. The simple cost of creating and sending this letter drastically limits the amount of re-inserted items. If an item is processed under EDRP, THIS LETTER IS NO LONGER REQUIRED! They can just put the item back whenever they get good and ready.

Just take our advice... Don't dispute online.

5Why do I have to have a monitoring account?
Credit repair is kind of like getting your car fixed... The mechanic is going to need to see under the hood. You keeping a monitoring service is our way of looking under your proverbial credit "hood". It allows us to see exactly what needs to be done and check up on the bureaus and creditors. When they say something has been changed, we want to make sure it is REALLY changed.
6Why don't my scores match?
Many people are confused by the online services that offer credit scores. People obviously assume that their credit score is the same at all these sites. This simply is not the case. Each site uses their own scoring model which could be a little (or a lot) different than the next.

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