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Kaydem Credit Help

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LAST UPDATED: May 10th, 2024

Kaydem Credit Help has been in business since 2008 and provides credit restoration and repair services at a wide variety of price-points that fit nearly any budget. Even if you have excellent credit, but several credit inquiries showing up on your reports, Kaydem Credit Help can help you remove these inquiries that are negatively affecting your score. Kaydem offers a money back guarantee after six months, but this guarantee carries processing fees. And with no attorneys on staff, customers might consider working with another credit repair company that can represent them in legal matters.

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The Good

  • Straightforward Pricing Model 
  • Six-Month Money-Back Guarantee 
  • Requests Credit Reports on Clients' Behalf 

In terms of pricing transparency, Kaydem Credit Help does more than most other companies. Customers can select plans for either individuals or couples, then select the thoroughness of that plan. For basic credit repair, an individual can pay a one-time fee of $347; meanwhile, couples seeking a more comprehensive 12-month plan will pay up to $1,697, which is still less expensive than some comparable plans. Kaydem Credit Help will also pull your credit reports for you; many companies require their customers to either sign up for supplemental credit monitoring or purchase periodic credit reports throughout the credit repair process.

Straightforward Pricing Model

Kaydem discloses exact pricing for each of its services plans.

Six-Month Money-Back Guarantee*

Customers can apply for a refund after six months with Kaydem Credit Help.

Requests Credit Reports on Clients' Behalf

Provides updated credit reports for customers.


The Bad

  • No Attorneys on Staff 
  • Processing Fees Attached to Guarantee 

Unfortunately, Kaydem Credit Help falls short in certain areas. The company does not provide legal representation for its customers, which can be problematic for those who require legal assistance with creditors, debt collectors, and even the credit bureaus themselves. And though the company provides a money back guarantee, this guarantee cannot be applied until six months after signup, and even then, customers must pay processing fees for items removed as well as the number of people on the plan.

No Attorneys on Staff

Kaydem cannot legally represent customers in court.

*Processing Fees Attached to Guarantee

At cancellation, customers must pay fees per individual and per item removed. 


The Bottom Line

Kaydem Credit Help is ahead of many credit repair companies because it provides customers with an accurate expectation of how much they will have to pay for services rendered. The company also absorbs the cost of pulling regular credit reports into its cost structure, meaning that customers will not need to pay additional subscription or purchase fees to procure their reports themselves. However, Kaydem does not have access to legal services; so if you require legal help in putting a stop to collection calls, or pursuing a lawsuit against creditors or reporting agencies, Kaydem Credit Help may not be the right company for you. 

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10 Reviews

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John Smith

I would give them a 0 out of 5 if possible. What a trash repair company. I waited one whole year for them to just delete one negative report on my credit report. There still 8 more left, but at the beginning they were blowing up my phone and email for me to enroll with them. Please avoid these scammers, as they will not do anything but send cookie cutter dispute letters to the creditors. This is an ineffective strategy and is a waste of time. I am seriously thinking of contacting the Florida Attorney general on this matter.

2 months ago

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Liana Ricci Palm Harbor, FL

Working with Jillian at Kaydem Credit Help has been an absolute pleasure. I'd been disputing things myself for months, and getting nowhere. I'd forget when I sent out my last disputes, and often ended up losing the bureau responses. Kaydem has organized everything and sends me frequent updates and reminders. I had 90% of the negative items on my TransUnion report removed in one dispute cycle with Kaydem. Thanks to their hard work, I've been able to begin rebuilding my personal credit - where before I was only getting denied. Excellent service, very professional, and excellent follow-through.

8 years ago

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Sabrina C Orlando, FL

I Give ZEROOOOOO stars this was a waste and it hurt me more than help me they literally went in and disputed ONLINE no letters sent ONLINE and disputed EVERYTHING I have never spoke with anyone they did not consult me to as if this correct or incorrect what a shame FUND and GROW need to do better in recommending these PPL all the reviews the 4 on their website are lies reading outside of that you see that they are terrible beyond.. The PPL are rude yo do your job you are being paid for if you can not assist then bow out gracefully I am going to the BBB about this they should be ashamed of themselves you think you take one foot and they push you 10 BACKWARDS SMH

2 years ago

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Prince Shiva New York, NY

Kaydem Credit Help pushed by Fund & Grow is a bad, really bad credit repair company. They grab your money and then seat on it for months unend without doing absolutely nothing for you. I paid them in full. after 6 months they hadn't file a single dispute on none of my issues. when I protested, they filed one and then when the credit bureaus didn't respond Kaydem did nothing in response. Zero star would be a good assignation for them.

1 year ago

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Janina Sukhu Northridge, CA

3/2/23 They actually do require you to get your own credit report and pay a monthly fee to, whatever company you chose, do they can monitor it. It is NOT included ! And you have to upload any correspondence you receive from the credit companies. Lots of work!

1 year ago

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Austin Broom Los Angeles, CA

Kaydem Credit I'm sure has sweet people and they try to help but I got zero results and not the best customer service in hiring them. They asked me to hire them again If I wanted to move forward but in their hard inquiry disputes I never received mail from credit bureau's that they said I needed to move forward. Just my personal Experience but a terrible service... Save your money. I would not ever use them again or refer them.

1 year ago

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Heavenly Frederick, MD

COMPLETE waste of time and money! In 7 months of working with them, I NEVER once received any letter from any of the 3 bureaus!!! They are a SCAM!!! Requested a refund 3 months ago and nothing! Then suddenly today they debited my account another $199???!!! Talking to my lawyer right now, they are a FRAUD!!! RUN!!!!

3 years ago

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Noreen Ranelli Old Lyme, CT

Absolute waste of time and money. It was like pulling teeth to get them to follow up WITH ME. I think they may be operating in a basement with 1 employee. I had to remind them to do things. Basically I could have done a better job on my own.

4 years ago

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Melissa Boston, MA

They are very nice and friendly and have responsive customer service. However despite their claims to get 70 to 80 unauthorized inquiries removed, I have haven't been able to have one removed from any bureau in two rounds. For me this was a complete waste of money. I sent in my own letters and had more success.

8 years ago

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Shea T. Richton Park, IL

A complete waste of my time and money. This particular company takes forever to even contact their Clients back either by phone or email. I have not seen any credit score increase yet.

5 years ago