Better credit starts
with a clear plan.
We review inaccurate and outdated reporting across all three bureaus, map practical rebuilding steps, and help you work toward your home, vehicle, or business goal — with no guaranteed results and no charge before the work is done.
Free 30-minute consultation · Review your goals and next steps · No obligation
What are you working toward?
Pick the goal that fits you. Each path carries your selection through to your consultation — so we start on the right foot.
Mortgage ReadinessI want to own a home
Work toward the credit profile lenders look for on an FHA, VA, or Conventional mortgage — no guarantee of a specific score or approval.
Explore this path
Auto FinancingI want to purchase a vehicle
Address what's reporting so you're in a stronger position at the dealership — we don't promise a specific rate or approval.
Explore this path
Business Funding ReadinessI want to fund a business
Prepare the personal credit profile many funders review — no guarantee of a funding amount, rate, or approval.
Explore this pathA clear, compliant process — no promises we can't keep
No guaranteed score increases, no guaranteed deletions, no guaranteed approvals. Just an honest look at your reports and a written plan.
We discuss your goals
A free 30-minute consultation. Tell us what you're working toward — a home, a vehicle, business funding — and where your credit stands today.
We review your reports
Through an approved process, we look at what's reporting across your files and identify inaccurate or outdated items that may be disputable.
You get a written scope & fees
Before any paid service begins, you receive a written agreement with the recommended plan, exact fees, and billing schedule. No charge before work is performed.
Ongoing education
Practical rebuilding steps and credit education throughout your engagement, so the habits that got you here don't return.
What's Free, What's Paid & What's Required
The exact plan, fees, and billing schedule are confirmed in a written agreement during your free consultation. We never collect payment through these lead forms, and no charge is taken before the month's work is performed.
$0
- Account registration
- Learning Center & credit guides
- Free 3-bureau analysis & consultation
- Standard$90/mo
- Enhanced$115/mo
- Premium$170/mo
Month-to-month, cancel anytime. Your written agreement confirms the recommended plan — we don't auto-select or auto-upgrade you.
Monitoring
Active 3-bureau monitoring is required so we can audit your reports without hard inquiries.
- Billed directly by the monitoring provider
- Separate from your KT Credit service fee
The current monitoring cost is confirmed before you enroll — we don't quote a third-party price we can't verify.
Are you ready to start?
A quick self-check. No score estimate, no credit pull — just a sense of where to begin.
Check the boxes that apply — this is just a quick self-check, not a credit pull.
This checklist is educational only and is not individualized legal or financial advice. No company can guarantee specific score increases, item removals, approvals, or timing.
Practical Questions, Honest Answers
No guarantees, no hype — just how this actually works.
Yes. Under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA), you have the right to dispute items on your credit report that are inaccurate, unverifiable, misleading, or incomplete — and you can do that yourself, for free.
5 Common Credit Report
Mistakes
Not ready to start today? That's fine. Download the free guide first — the five most common credit-report mistakes, why each one backfires, and the compliant way to handle it. No spam, no CPNs, no gimmicks.
- 01
Ignoring report errors
Pull all three reports. The same account can show differently across bureaus — and you can dispute specific errors yourself, for free.
- 02
Confusing reporting limits & lawsuit deadlines
Most negatives report for about seven years, but the credit-reporting period and state deadlines to sue on an old debt are different. Get guidance before you pay.
- 03
Closing a card without considering utilization
Closing a card can reduce your available credit and raise your utilization — and it doesn't instantly erase the account's history either.
- 04
Treating all scores as identical
Different lenders use different scoring models, versions, and bureau data. Your banking-app score may not match the score a lender actually pulls.
- 05
Expecting automatic deletion or a fixed timeline
Disputes generally take about 30 days, sometimes 45. Accurate, current negatives aren't removed just because they're disputed.
CROA compliant
No illegal CPNs or upfront fee promises
5 common mistakes
The five most common credit-report mistakes
Plain-English PDF
Read it in 10 minutes, fix the right thing first
Ready to look at your credit together?
Book a free 30-minute consultation. We'll review your goals and the next steps — no obligation, no hard inquiry to talk.