Key Credit Repair has over 9 years of experience in the financial services industry and is based out of Boston, Massachusetts.

Rank Chart
Monthly Price
Company Rating
Review

#1

$99.95
9.4

#2

$99.95
9.0

#3

$59
8.9

#10
Key_Credit_Repair-compressor

$99.95
7.7

The Good

Key Credit Repair notifies consumers upfront regarding what they are able to do before charging any fees for services during the initial free consultation. Consumers are given a customized action plan that features a timeline of expected completion dates for each step in the process. Consumers who choose to continue with the dispute process are charged a $99.95 monthly fee.

During the dispute process, the company also provides the following services:

  • Negotiation With Creditors
  • Unlimited Disputes
  • Debt Settlement Services
  • Licensed Attorneys on Staff
  • 100 Percent Satisfaction Guarantee
  • Video Answers to Commonly Asked Questions

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 services.

The Bad

Though Key Credit Repair services nationwide they are a smaller company located in the Boston area.

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

  • Some negative items may take longer than expected to dispute
  • There are no guarantees for permanent removal of negative credit report items

The Bottom Line

Key Credit Repair appears to be a legitimate and reputable financial services company with over 9 years in the industry. The company offers consumers an initial consultation with a comprehensive action plan that includes a detailed timeline. There are no commitments or obligations and the company clearly details to consumers what it can or cannot do before enrollment. The company discloses its certifications clearly on its corporate website and has received numerous positive reviews.

Frequently Asked Questions 

How much does Key Credit Repair services cost?
Customers will be pleased to know that there are no upfront fees when using Key Credit Repair. In addition, those interested in using the service can meet with a credit counselor for a free consultation to review your case and situation. Once you decide to use Key Credit Repair, you can choose the date on which you make your first payment, and you will pay on a month-to-month basis.

Does Key Credit Repair allow me to enroll more than one person or my whole family?
Key Credit Repair will allow only one person to enroll.

How does Key Credit Repair repair my credit?
It all starts with an initial consultation where a specialist will go over your personal situation and make a plan to improving your credit. The company will then go through the three credit reporting agencies and dispute erroneous reporting and credit information. This will be followed by negotiations from the credit reporting agencies to settle outstanding collections and to remove unauthorized inquiries.

Does Key Credit Repair provide Credit Monitoring?
Yes. This is a 24/7 service.

How long will it take before I start to see results with (company)?
Within 90 days, customers can see a 90-point jump in credit score.

What results can I expect from (company)?
In addition to the score improvement referenced above, customers can expect to see 33 percent of questionable items removed within the first 90 days. The company will all clean up erroneous records and will help resolve bankruptcies, judgments, liens, late payments and foreclosures.

How can I contact (company)?
Prospective customers may reach Key Credit Repair by calling toll free at 877-842-5215 or via telephone at 647-265-7900.

Published Results

Key Credit Repair claims to be able to improve a person’s credit score by 90 points within 90 days. In addition, the company purports to remove up to 33 percent of questionable reporting during this time frame. In addition, Key Credit Repair says that some customers can see score improvements in as little as 30 days after enrolling. With these results, customers have been better able to pass background checks, secure jobs and obtain loans.

How it Works

After your free consultation, you will enroll as a customer. Then Key Credit Repair will go to work for you.

  1. Your case will be thoroughly reviewed by a certified credit repair counselor. Then a strategy will be developed that is aimed at tackling the issues causing your credit.
  2. Key Care Credit will next begin looking at the three major credit reporting agencies and assessing your negative and erroneous reports. The company work on all issues from the first day you enroll, thus speeding up the process and helping you see quick improvement to your credit score.

Key Credit Repair will work directly with the credit reporting agencies to remove negative and false records. The company will be persistent in its efforts and will communicate frequently with the credit reporting bureaus until issues are resolved. Key Credit Repair prides itself on helping customer raise their scores within 90 days, sometimes even as little as 30. By doing so, customers have more borrowing and purchasing power and can have the peace of mind that their credit is healthy.

Price Breakdown 

Once you decide to enroll as a customer, you will pay $99 a month to Key Credit Repair as the company works on your case to repair your credit. You won’t have to make your first payment until you decide when to start paying. There is only one type of pricing structure and plan for customers. There is, however, a money-back guarantee if you are not satisfied with the service you are receiving. Such a guarantee is usually a positive sign that the company is confident in its products and services and that you will be pleased with the results. Another nice aspect of the pricing is that you won’t have to pay anything up front to use Key Credit Repair. The only costs you’ll be responsible for are the monthly payments.

What to Expect when Signing Up

  1. Customers can expect prompt attention and quick results when working with Key Credit Repair. The company will get started on your case from the moment you sign up.
  2. Key Credit Repair will map out a clear picture to you of what is lowering your credit score and how it can be repaired. There will be no mistaking what the process will be.
  3. You can also expect rapid results. This won’t be a matter of waiting months for your credit to improve. Your score should go up within a month.
  4. Key Credit Repair will also keep you informed on the results of your case and what negative issues are being eliminated from your credit score.

What Can Be Removed? 

While no credit repair company can remove legitimate information or issues from your report, there are some items that Key Credit Repair has proven able to get rid of for customers. The removal of these items can significantly raise your credit score and help set your current financial picture on more solid footing. These removable items include:

  • Erroneous credit reporting
  • Erroneous credit information
  • Settlement of outstanding collections
  • Questionable collections
  • Unauthorized credit inquiries

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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24 Key Credit Repair Reviews

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  1. User Score

    1

    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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  2. User Score

    10

    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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  3. User Score

    10

    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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  4. User Score

    10

    June 29th, 2015 Keene, NH

    The customer service was outstanding!

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  5. User Score

    10

    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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    2

  6. User Score

    10

    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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  7. User Score

    10

    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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  8. User Score

    10

    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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  9. User Score

    10

    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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  10. User Score

    10

    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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  11. User Score

    10

    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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  12. User Score

    10

    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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  13. User Score

    10

    June 25th, 2015 Redwood City, CA

    Very professional.

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  14. User Score

    10

    June 25th, 2015 Redwood City, CA

    Great Company!

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  15. User Score

    10

    June 25th, 2015 Redwood City, CA

    Hands down deserves a 10 rating

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  16. User Score

    10

    June 25th, 2015 Redwood City, CA

    A fabulous experience – I won’t look anywhere else next time.

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  17. User Score

    10

    June 25th, 2015 Redwood City, CA

    KCR remove my old collections and helped me improve my fico scores to over 700! Needless to say, I am extremely happy with the results and glad I chose Nik and his company, can’t say enough good things about them

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  18. User Score

    10

    June 24th, 2015 Romulus, MI

    The Key Credit Repair Team are wonderful! My score jumped 100 points in a few months. With their help I was able to get rid of old items that had wrecked my credit for years. GREAT JOB GUYS!!!

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  19. User Score

    10

    June 24th, 2015 Boston, MA

    I have been with Key Credit Repair since September 2014. I can’t even begin to express how grateful I am to them. After our foreclosure and bankruptcy I thought we would never be able to buy a house or even a car. Thanks to Key Credit my 490 credit score is now at 690 and my Bankruptcy, foreclosure and other derogatory accounts have been removed and erased. Great service and AMAZING customer Service. Thank you Nik & Team!

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  20. User Score

    10

    May 27th, 2015 Washington, DC

    My Bad Credit was ruining my life. I couldn’t get any loan or credit card from any bank, until I found KEY CREDIT REPAIR.com. It seems a miracle happened in my life. It is unbelievable how they removed my nag items from my credit report. I have so many nag items, to be honest I didn’t believe they could remove all of them. Today I checked my disputed items by KEY CREDIT REPAIR and I noticed that they have removed 33 nag items off my credit report. I have only been in their program for three months. MS. Jennifer Hadayia I truly appreciated all your hard working and that’s a great job done by you, “Thank you very much for your efforts”

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