Key Credit Repair has over 10 years of experience in the financial services industry and is based out of Boston, Massachusetts. 

The credit repair company has a walk-in location in Boston and, in terms of credit services, the company offers free credit coaching, a free credit consultation to go over each client's credit file, dispute letters that are sent to the three major credit agencies, an updated client portal, a progress report, and more. 

Key Credit Repair also works with the three major credit reporting agencies and creditors on behalf of clients. Additionally, the company's credit repair service includes an unlimited number of disputes and credit repair process repetition until the customer receives positive credit score results.

Read on to learn more about the company's credit repair services and to see Key Credit Repair reviews from real clients.

The Good

  • Dedicated Success Managers
  • 90-Day Money-Back Guarantee
  • Unlimited Disputes 
  • Solid Customer Service
  • Helpful Resources

Key Credit Repair is BBB accredited as well as A-Rated and adheres to credit laws.

The company also provides consumers with a free credit report copy with credit score, and notifies consumers upfront regarding what they are able to do before charging any fees or payments for its credit repair services during the initial free consultation. 

After the initial consultation, consumers are given a customized action plan that features a timeline of expected completion dates for each step in the process. 

It is important to note that Key Credit Repair does not charge consumers any upfront fees. Those who choose to continue with the dispute process are charged a monthly fee only. 

During the dispute process, the credit repair agency also provides the following credit services:

Dedicated Success Managers

All Key Credit Repair clients will receive a dedicated success manager - one who knows the client's credit file- upon service enrollment. 

Customers can communicate with these dedicated success managers directly to ask questions and to receive credit repair updates. 

90-Day Money-Back Guarantee

Key Credit Repair offers a 90-day, money-back guarantee to call clients. This type of guarantee is fairly rare within the credit repair industry. 

Those who are interested in learning more about this guarantee can visit the Key Credit Repair corporate website and/or contact the company directly.

Unlimited Disputes

Unlike some of its credit repair business competitors, Key Credit Repair will work with credit reporting agencies in order to remove negative items from a customer's credit report. 

There is no limit to these attempts. Some other credit repair companies only work with one credit bureau, whereas Key Credit Repair strives to work with all three of the bureaus. 

Solid Customer Service

The company's customer service department can be contacted toll-free anytime day or night. There are a number of positive testimonials from customers and proof of deletion items on the corporate website. 

Third-party reviews available online also speak highly of the company and recommend its repair services.

As mentioned previously, Key Credit Repair customers also obtain access to a dedicated success manager who can be contacted directly via phone/email, and who can answer questions regarding a client's case and credit file. 

Helpful Resources

Key Credit Repair provides a number of helpful resources for customers. The Key Credit Repair service includes an online portal that provides clients with full access to track their credit repair progress. 

Additionally, the company's website gives customers access to a helpful blog, credit fact and credit law pages, a frequently asked questions page, customer reviews, over 500 free credit education videos, and success stories.

The Bad

  • Cannot Negotiate Debt Settlements
  • No Licensed Attorneys on Staff
  • Limited State Availability

Though Key Credit Repair services nationwide they are a smaller reputable credit repair firm located in the Boston area.

Consumers should be aware of the following things before deciding to work with a credit restoration company.

Cannot Negotiate Debt Settlements

Key Credit Repair cannot negotiate debt settlements on behalf of its clients. 

Those who are in need of debt settlement negotiation services must seek assistance from a separate company. 

No Licensed Attorneys on Staff

Unlike some other credit repair companies, Key Credit Repair does not have licensed attorneys on staff to help consumers with various credit-related legal obstacles. 

Limited State Availability

Key Credit Repair does not provide credit repair services to consumers in all 50 states. 

Those who have questions regarding the company's state availability must contact the company directly to learn that information.

The Bottom Line

Key Credit Repair appears to be a legitimate and reputable credit repair company with over 10 years in the industry. The credit repair firm offers an initial free consultation with a comprehensive action plan that includes a detailed timeline. 

Key Credit Repair does not force commitments or obligations upon clients and does not charge an upfront fee for its services. The company is known to clearly explain to consumers what it can or cannot do before enrollment. The company also discloses its certifications clearly on its corporate website and has received numerous positive reviews. 

Additionally, Key Credit Repair offers customers a credit consultant, an online client portal, relatively fast repair services, 24/7 customer service, and more. The company also works with more than one credit bureau throughout its credit repair process. 

Unfortunately, the company does not negotiate debt settlements on the behalf of clients, does not have any licensed attorneys on staff, and does not provide services to consumers in all 50 states. 

There is also no guarantee of negative item removal or good credit results. Luckily, the company does offer a 90-day money-back guarantee.

If you have bad credit, it is recommended that you conduct your own research, visit the company's website, and read a few verified Key Credit Repair reviews before enrolling in credit repair services. 

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User Reviews

Star Rating

3.2
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59 Reviews

Review Breakdown

5 star
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Erica Deane

November 18th, 2017 Key West, FL DETAILS arrow_drop_down
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I love them just like family. This company really cares about you and your future.

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Reply from Key Credit Repair

Apr 21, 2020

Thank you so much for kind words:)

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Vasili

November 10th, 2017 Fort Lee, NJ DETAILS arrow_drop_down
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I can't say enough good things about Nikitas and Key Credit, they are on the forefront of technology and using it to stay on top of your credit. In this world you can't do anything without good credit. My scores are in the 800 because of them.

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Reply from Key Credit Repair

Apr 21, 2020

Vasili-Thank you so much for your kind words.

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Kemar

May 8th, 2020 Milton, MA DETAILS arrow_drop_down
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Poor lack of communication and accountability for not for filling obligations in which I was up for. Abruptly closed location without warning. Total bad business. No change in credit.

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Jorge

May 8th, 2020 Caldwell, TX DETAILS arrow_drop_down
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Because I didn't see a change on my credit

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LCorona

May 8th, 2020 Corpus Christi, TX DETAILS arrow_drop_down
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Very unhappy with this organization. My credit did not improve and I paid lots of money. Very disappointed.

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John

May 8th, 2020 Granby, CO DETAILS arrow_drop_down
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Helpful and kind. Works diligently with you

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Fausto Miguel matos

May 4th, 2020 DETAILS arrow_drop_down
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They are very slow with the service and you have to pay him monthly and the case has no end so he has to pay you until they say.

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Christine Wilkerson

May 4th, 2020 Chestnut Hill, MA DETAILS arrow_drop_down
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They failed to fix my credit after paying all that money

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Alfredo Bran

May 4th, 2020 Anaheim, CA DETAILS arrow_drop_down
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They raised 100 score points that raised my credit from 525 to 650.

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Devin Daley

May 4th, 2020 DETAILS arrow_drop_down
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Didn't fix my credit at all and I was with them for a long time I believe a year or so.

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Gloria

May 4th, 2020 Cocoa, FL DETAILS arrow_drop_down
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Hard to make contact and receive help they call immediately until you sign up then no phone calls back from valarie to help after or anyone else

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Monica Dallas and Harold Ellis

May 4th, 2020 Florissant, MO DETAILS arrow_drop_down
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Awful took my money and never called me back

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Anonymous

May 1st, 2020 Hendersonville, NC DETAILS arrow_drop_down
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I would say they were very polite, but I did not see any emails and their was no communication after they started deducting money from my account. Did not repair my credit.

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Don Q

May 1st, 2020 Green Bay, WI DETAILS arrow_drop_down
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They did a good job on my credit… but they only do so much. I don’t have a lot of bad things on my credit report, but there were a lot of things on there that were false. And Key Credit Repair didn’t do what I asked them to do. I was satisfied with them up to a point, and then it was like they couldn’t do anything more. I had them for 7 or 8 months, and for the last 2 months, nothing was done. I contacted them a couple of times and asked them about certain things. They said they were working on it but it didn’t seem like they were working on what I wanted them to work on.

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John

May 1st, 2020 Norfolk, VA DETAILS arrow_drop_down
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Very attentive and professional when they answer your questions. They were good in getting the derogatory stuff off your credit.

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Andy

May 1st, 2020 San Francisco, CA DETAILS arrow_drop_down
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Really great customer service. I always get a response back weekly. It really helped me get a second chance in building new purchases, like the house I have today. I really recommend them to all our friends.

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Kenneth

May 1st, 2020 Bloomfield, NJ DETAILS arrow_drop_down
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The process was good, it just didn't give me the results that I wanted in the 3 months I had them. They're pretty response - answered all my questions.

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Anonymous

May 1st, 2020 DETAILS arrow_drop_down
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Started working witht hem a year ago and they've only removed one item from my credit histroy and with that, my credit score has only slightly increased. They don't seem to be in a hurry to help out my credit score and they haven't met my expectations. They have been response when I've had questions and I'm usually able to get ahold of someone.

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Kristi

May 1st, 2020 Anna, TX DETAILS arrow_drop_down
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I haven't had anything changed yet and I haven't had any communication from them at all.

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Anthony

May 1st, 2020 Flat Rock, NC DETAILS arrow_drop_down
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They went over our contract time, kept taking money out of my account, and would not discontinue my contract for months. Hard to talk to someone when you have something negative to say to them. I wil never use them again.

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Twyla

May 1st, 2020 Enfield, NC DETAILS arrow_drop_down
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I could never get in touch with someone. No one ever called me to discuss anything after they said they would. There was just no contact whatsoever. They only time they called me was when I tried to cancel my membership. They just wanted to get more money out of me.

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Joseph

May 1st, 2020 Clarksdale, MS DETAILS arrow_drop_down
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Key Credit Repair made a big difference with my credit. Customer support was not easy to get in contact with.

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Keoni

May 1st, 2020 Mililani, HI DETAILS arrow_drop_down
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They took $1500 and nothing changed on my credit report

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Andrew

May 1st, 2020 Morris Plains, NJ DETAILS arrow_drop_down
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Within a month of signing up with them, my score shot up at least 50 points. I did have an issue trying to cancel my membership, but they eventually helped me.

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William A.

May 1st, 2020 Las Vegas, NV DETAILS arrow_drop_down
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When I had some issues, I was unable to get a copy of my Equifax credit report for almost 2-3 months. It wasn't really their fault... I just didn't know I needed to verify my identity. But they are one of the few companies that is actually good at what they do because some companies can't remove items. I just don't like the length of time it takes.

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Eric

May 1st, 2020 San Jose, CA DETAILS arrow_drop_down
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They made a mistake. The first person who contacted me was an eager sales person. She way over promised and over sold the company. Even I wondered if she should be promising me an 800 credit score. She said the small things I needed to remove from my credit score would be so easy to fix. I told her if she could promise all that I would give them the $150/month. And they said they could do everything I wanted within a month. In the end, they did not impact my score at all. I already had really good credit. I only went with them because I wanted to see if I could go from really good to perfect basically. And in the very beginning they had promised me that. After a few months, they said they were really sorry that the initial sales person told me all these things and that what she said was not true. At that point I feel like they should have refunded me everything because they promised things that they couldn’t provide. They were super friendly, nice, helpful people. Maybe they can actually help people with damaged credit. But my experience is that they tricked me and I lost all the money that I didn’t want to spend. Overall, they completely failed me and they were a piece of crap. But they were really nice.

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Anthony

May 1st, 2020 San Pablo, CA DETAILS arrow_drop_down
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They only got 1 thing taken off of 1 credit report and there were many more things I wanted done. I don’t know if they were sending any letters, I was just told to keep uploading things and nothing changed. They were very responsive with emails and we communicated very well. I was able to upload everything they needed, but nothing ever changed while they said they were resolving the issue.

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Jhesiry

February 26th, 2019 West Palm Beach, FL DETAILS arrow_drop_down
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I call for rent to own number and end up paying 14.99 for help with credit a case number provide but never agree to pay 129.99 dollars monthly out of my account which I despite I felt so stupid because the omitting the real true is scam just to pay

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Andrey Shabura

March 13th, 2018 Meridian, ID DETAILS arrow_drop_down
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I am a struggling person trying to desperately repair his credit. This company instead of helping with my credit and my finances. They only made it worse. I'm very angered and saddened by it

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brenda osman

October 23rd, 2017 Shepherdsville, KY DETAILS arrow_drop_down
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Can you say class action law suit??? Can you say class action law suit???? Any one else scammed by these con artist feel free to contact me. I am consulting with an attorney about a class action law suit. I started out with a 610 ended up with a 586. After these people scam you out of hundreds of dollars a month ...boost your score instantly in the first month but when you cancel after 4 months of no more gain in your credit score. You go back furter than you started with > THIS IS COMPLETE BS 16 one stars CHECK THEM OUT ON YELP WHERE THEY CANT MANIPULATE THE FAKE REVIEWS BBB as well [10] Negative Reviews Nothing new reported on my credit report the points just mysteriously disappeared as fast as they came. EVEN AFTER YOUR REPLY I STILL STAND BY MY REVIEW TO BE 100 % TRUE AND ACCURATE...YELP IS THE ONLY SITE YOU CANT FAKE YOUR REVIEWS. I HAVE HAD NOTHING NEW REPORTED NO RECENT LATE PAYMENTS DONT OWN A CREDIT CARD SO YOUR LYING HERE AGAIN.........YOUR MAKING MY CASE FOR ME......THANK YOU SO YOUR FULL OF IT JUST LIKE THE COMPANY YOU RUN THAT SCAMS PEOPLE OUT OF THEIR HARD EARNED MONEY. I STARTED WITH KEY CREDIT INSTANTLY WENT UP 60 POINTS AFTER JUST SITTING THERE FOR 4 MONTHS PAYING ALL MY BILLS ON TIME NOTHING............SO I CANCELED NOW IM LOWER THAN WHAT I BEGAN WITH YOU. ITS OK YOU CAN CLAIM WHAT YOU WANT I HAVE SEVERAL PEOPLE ON BOARD AND AN ATTORNEY. YOU SHOULD BE ASHAMED OF YOURSELF! RESEARCH THIS COMPANY PEOPLE THEY ARE SCAM ARTIST Key credit repair from boston ma on yelp is a 2 star barley Go to bestcompany dot com Key Credit Repair Logo Key Credit Repair 1.7Overall Score I suppose all those one star reviews are lying as well!!!!!!!!!

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brenda osman

October 21st, 2017 Floyds Knobs, IN

Can you say class action law suit???? Any one else scammed by these con artist feel free to contact me. I am consulting with an attorney about a class action law suit. I started out with a 610 ended up with a 586. After these people scam you out of hundreds of dollars a month ...boost your score instantly in the first month but when you cancel after 4 months of no more gain in your credit score. You go back furter than you started with > THIS IS COMPLETE BS Nothing new reported on my credit report the points just mysteriously disappeared as fast as they came.

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Steve Vodic

September 25th, 2017 Sioux Falls, SD

I have a very good experience with this company. They have provided me right advice and now I am eligible to apply for a Home Loan. I believe Key Credit Repair has changed my credit reputation.

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jesse ross

May 25th, 2017

Garbage company, I swear its all a scam. Have fun trying to reach someone in customer service. This company is a scam!!

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Angela Buchanan

May 8th, 2017

This place is ridiculous! Told me up front that within 6 mos. My score would raise to 700. Charged me $130 mo. For 1 YEAR, 4 mos. I was in hospital with crohns disease and Cancer. She knew that and I finally said no more, they took 2 more unauthorized pmts out. I had to send envelopes full of correspondence from companies to them all yr and she wouldn't return calls or emails, notjibg changed, the "pie chart" that was to show the progress never moved! Went to BBB and they told then I was trying to rip them off, cussed then out and was unreasonable. That's RICH!! Will not give me even a portion of my money back, so goes the 100% customer satisfaction guarantee.

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Christopher

March 7th, 2017 Lehigh Acres, FL

I wish there was a negative 34 that's what I would give this company. First off there's NO I mean NO money back gaurentee 2nd they will charge your card everyday till funds are available sometimes before it's due. Then send out emails text messages stated your account is on hold. Already it takes 45 for there debt validation letter. And NOTHING changed on my profile so waste of money. This site misrepresents key credit repair.i read all the reviews here and wonder how they got there.... Pretty good scam just saying ....with kick backs.

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Tanya

May 5th, 2016 Killeen, TX

Pricier than others, definitely cut corners. They want your log in & password so they can access your credit report rather than doing a soft pull. Seemed fishy to me so I went with Lexington. They were professional, did not cut corners or try and make me do half the work and less expensive. Good luck

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Jacob

November 5th, 2015

The customer service was out of this world good! The client rep that I'd spoken was very detailed in explaining to me the areas that needed most attention and how the program works. I was impressed!

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Lionel

July 1st, 2015 CA

This company truly defines " Excellence" because they are passionate at what they do. I joined Key Credit Repair after I had 2 horrible experiences with 2 other so called " Credit Repair Services". I was a little skeptical at first. My credit score was exactly 560 when I joined. At this time I am super blessed to say my as of today is 730. The customer service is great and they actually communicate with you and go out of their way to answer any questions or concerns you may have regarding your credit or just general questions. Thanks so much! and continue the great work.

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Chris Quackenbush

June 29th, 2015 Keene, NH

The customer service was outstanding!

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Caitlin

June 26th, 2015 Brockton, MA

Key Credit Repair has great customer service! They work hard to make their customers feel valued.

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Angelia

June 25th, 2015 Henderson, NV

Thanks to credit repair I was able to finally get the new car I'd been needing to get out of my old unreliable one!

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D.J.

June 25th, 2015 Dedham, MA

I wanted a new car but my credit was holding me back, my brother referred me to KCR and now I am driving a brand new car! Thanks, Key Credit!

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Aggie

June 25th, 2015 Brooklyn, NY

Key credit repair really saved me from my past credit mistakes! Because of them I got great financing to buy a new car!

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Carl Matheus

June 25th, 2015 Quincy, MA

Key Credit repair helped me out of an endless cycle of debt and credit card issues, and thanks to all of their hard work, I was recently able to put a down payment on the house I've always dreamed of! Thank you!

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Jackie Kemp

June 25th, 2015 Dedham, MA

I was with key credit repair for 3 months and in that time they pulled my score from a 615 to a 715! excellent customer service, they gave awesome advice and everyone was so friendly! they give you several ways to contact them and always return calls, unlike other companies i was with in the past! i have referred my entire family and all my friends and they are all doing great as well! best credit repair company by far!

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Dimitra

June 25th, 2015 Boston, MA

They were able to remove all the negative items that were damaging my credit score for years in only 5 months. I would recommend them to anyone that needs help repairing their credit.

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Angel Nieves

June 25th, 2015 Redwood City, CA

The information was extremely useful and the quick turn around time was impressive. I would highly recommend using the services.

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Jim Spinale

June 25th, 2015 Redwood City, CA

Very professional.

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Tim Chan

June 25th, 2015 Redwood City, CA

Great Company!

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Tony Armata

June 25th, 2015 Redwood City, CA

Hands down deserves a 10 rating