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