Our Professional Credit Services
A clear look at what's free, what's paid, and what each service includes — so you know exactly what you're getting before you start.
Comprehensive Credit Repair
We analyze your credit reports across Equifax, Experian, and TransUnion to dispute inaccurate, obsolete, or unverified items.
- Inaccurate late payment removals
- Collection accounts & charge-off disputes
- Public records, bankruptcies & tax liens
- Hard inquiry audits & removals
Debt Solutions & Consolidation
Stop harassment and structure a manageable debt settlement or payoff strategy that preserves your credit score trajectory.
- Structured creditor negotiation
- Interest rate reduction strategies
- Debt paydown acceleration plans
- Collection agency validation demands
Business Funding Readiness
Prepare your business entity and personal guarantee to qualify for uncollateralized business credit cards and lines of credit.
- EIN & Paydex score acceleration
- DUNS registration setup
- Tier 1, 2, and 3 vendor credit building
- Unsecured funding readiness ($25k-$150k)
What's Free, What's Paid
CROA-compliant, month-to-month billing — you're never charged before the month's work is delivered. No auto-billing.
$0
- Free account registration
- Learning Center & credit guides
- Free credit analysis & consultation
Month-to-month service tiers:
- Standard$90/mo
- Enhanced$115/mo
- Premium$170/mo
Billed month-to-month. Cancel anytime. No charge before the month's work is done.
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
Confirm current provider pricing during your free analysis.
Pricing reflects current service tiers as published on this site. Your advisor will confirm the exact plan, fees, and billing schedule in a written agreement before any paid service begins.
Real-Time Credit Monitoring Services
Before we can audit your credit reports, you need active monitoring through our approved provider portals. This allows us to track real-time score updates and bureau responses without incurring hard credit inquiries.
Soft Pull Only
Checking your scores via monitoring does NOT affect your credit score or leave hard inquiry marks.