Key Credit Repair

Name: Key Credit Repair
Rating: 3.1

3.1

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64 User Reviews

5.0

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3.1

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64 User Reviews

5.0

Overall Score

Compare

The Good

The Bad

Bottom Line

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Company Details

Upfront Cost

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Monthly Fee

Starting at

$146.45

Number of Reviews 64

info Source of Information

LAST UPDATED: October 23rd, 2023

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 (Transunion, Experian, and Equifax), an updated client portal, a progress report, and more.

Key Credit Repair also works with the credit bureaus 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.

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The Good

Dedicated Consultants
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 will try 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.

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 company also provides the following services:

Dedicated Consultants

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

Customers can communicate with these dedicated consultants 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 and refund can contact the company directly.

Unlimited Disputes

Unlike some of its credit repair business competitors, there is no limit to Key Credit Repair's dispute attempts.

Solid Customer Service

The company's customer service department can be contacted toll-free any time 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, each Key Credit Repair consumer can obtain access to a dedicated success manager who can be contacted directly via phone/email, and who can answer questions regarding their case and credit file.

Helpful Resources

The company 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.

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The Bad

Limited State Availability

Limited State Availability

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

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

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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 provide services to consumers in all credit repair-legal 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.

View Best Credit Repair Companies

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User Reviews

Star Rating

3.1

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64 Reviews

Review Breakdown

5 grade

44%

4 grade

3 grade

2 grade

1 grade

39%

Sentiment Criteria

Value

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Quality

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Service

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Verified Customer

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William A. Las Vegas, NV

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.

4 years ago

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Verified Customer

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Don Q Green Bay, WI

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.

4 years ago

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Verified Customer

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Andy San Francisco, CA

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.

4 years ago

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Akhtar Mirshahi 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”

9 years ago

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Verified Customer

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Anthony San Pablo, CA

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.

4 years ago

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Verified Customer

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Andrew Morris Plains, NJ

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.

4 years ago

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Verified Customer

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Anonymous

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.

4 years ago

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Verified Customer

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Eric San Jose, CA

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.

4 years ago

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Lionel 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.

9 years ago

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Jackie Kemp 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!

9 years ago

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Nancy Lalakidis 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!

9 years ago

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Verified Customer

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John Norfolk, VA

Very attentive and professional when they answer your questions. They were good in getting the derogatory stuff off your credit.

4 years ago

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Verified Customer

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Twyla Enfield, NC

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.

4 years ago

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Vasili Fort Lee, NJ

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.

6 years ago

Reply from Key Credit Repair

Vasili-Thank you so much for your kind words.

Apr. 21st, 2020

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Verified Customer

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Kenneth Bloomfield, NJ

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.

4 years ago

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Jacob

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!

8 years ago

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Carl Matheus 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!

9 years ago

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Dimitra 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.

9 years ago

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Jorge K 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

9 years ago

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Nyota 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!!!

9 years ago

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Judy Fred Wakefield, RI

Key Credit Repair was able to remove inaccurate items from my credit report. Amazing! They took the frustration out of trying to deal directly with the 3 big credit bureaus (next to IMPOSSIBLE). love this company, and they have a great rating with the BBB! Call me happy.

2 years ago

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Verified Customer

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Kemar Milton, MA

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.

4 years ago

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Verified Customer

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Anthony Flat Rock, NC

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.

4 years ago Edited January 10, 2024

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Verified Customer

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Anonymous Hendersonville, NC

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.

4 years ago

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Mark Bowlin Bedford, IN

Would give them a zero but it's not available. This company is a joke . They Use the consumer protection agency to try and get things removed Illegally and it will come back to you.they do not return calls they take your money though. I disputed 4 things and got 3 removed they tried to take credit for them .I'm a 52 yr Old Marine Vet who has Served over seas and just went through a bad divorce once with a 790 score and needed help getting things cleared up that was not mine .instead what I got was a lecture from. A punk kid telling me That I should've paid my bills and I wouldn't be in this position,they never got any thing done just a theft game and I called them out on it. If you want credit repair do not use this company do it yourself go to each bureaus and Starr disputing . Read up on it look at YouTube videos. This compa6 will steal and rob you blind. And no refunds. I did report to FTC. and the consumer protection agency. I now have a local atty and filing a law suit to get my funds returned Due to the credit repair laws it's actually against the law for any credit repair company to take money without providing and kind of services for it. No money up front. This company has bad intentions fro. The start and limited staff no way can the cover the amount of people to do this job. Beware and you have been warned. Please look at the BBB reviews it's one after the other.

2 years ago

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Jazmyn F Encinitas, CA

Ha! Key Credit Repair as a "best" company??? Don't even get me started. Let's just say I should have done my homework before hiring them -- I was naive and desperate to fix a past mistake I made during a tough time in my life that was still impacting my credit score. I turned to Key Credit Repair without looking further into their business ethics, history and customer experiences first. Really stupid error on my part. If you're here doing your homework on them because you're considering hiring them...good on ya! Don't waste your energy, money or time. If the reviews from customers of Key Credit Repair on the Better Business Bureau don't speak volumes, themselves, then perhaps the joint lawsuit by state and federal authorities filed against Key Credit Repair might shed some light on how they do business. Preying on naive people that find themselves in a vulnerable financial situation when they are sincerely trying to fix things, and snaking their way through apparent loopholes in the legal system, is what these guys seem to be "best" at. * Their portal "status updates" are bogus. It showed 3 items were "deleted" off my credit reports. When I checked in with the credit bureaus, themselves, as well as the company that had reported this...it still showed them on my records. Nothing was deleted. Total BS. * It's illegal for them to charge a single cent for their credit-repair services BEFORE achieving the promised results and BEFORE giving consumers a consumer report more than 6 MONTHS after achieving the results to demonstrate the results. * The "free coaching" they advertise you can get in 5 minutes with a quick Google search of "how to fix my credit score". No secret sauce. Implement whatever basic steps you find online and you'll get the same results and save yourself months of time plus the $150 they'll charge you monthly while they string you along. Why 'Key Credit Repair' is even featured here as a "best" company is beyond me.

2 years ago

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brenda osman Shepherdsville, KY

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!!!!!!!!!

7 years ago

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Steve Vodic 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.

7 years ago

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Angela Buchanan

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.

7 years ago

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Verified Customer

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Alfredo Bran Anaheim, CA

They raised 100 score points that raised my credit from 525 to 650.

4 years ago

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Verified Customer

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Joseph Clarksdale, MS

Key Credit Repair made a big difference with my credit. Customer support was not easy to get in contact with.

4 years ago

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brenda osman 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.

7 years ago

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Christopher 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.

7 years ago

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D.J. 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!

9 years ago

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Angel Nieves Redwood City, CA

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

9 years ago

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Steve IL

They worked on my file for about a year, although there were a number of items removed, they were very slow, hard to get in touch with, would not return calls, kept me waiting on the phone for ever until I had to hang up; they also keep setting me up with quick credit reporting companies to get them report updates then having me cancel before changes. I dropped their service.

9 years ago

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William Chamberlain Omaha, NE

I got the accelerated program and I seen 40 deletions in the first month. Currently I am on my 4 month and I have 70 deletions.

9 years ago

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Verified Customer

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Fausto Miguel matos

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.

4 years ago

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Verified Customer

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Gloria Cocoa, FL

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

4 years ago

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Verified Customer

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Kristi Anna, TX

I haven't had anything changed yet and I haven't had any communication from them at all.

4 years ago

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George Johnson Cleveland, OH

I just asked for a refund the guy gave me the run around I want a refund not happy with communication and they didn’t inform me that all my accounts are legitimate and can’t anything be done in the first place . George Johnson Cleveland Ohio

1 year ago

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Jhesiry West Palm Beach, FL

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

5 years ago

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Tanya 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

8 years ago

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Angelia 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!

9 years ago

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Aggie 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!

9 years ago

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Verified Customer

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LCorona Corpus Christi, TX

Very unhappy with this organization. My credit did not improve and I paid lots of money. Very disappointed.

4 years ago

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Verified Customer

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John Granby, CO

Helpful and kind. Works diligently with you

4 years ago

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Esteban Melchiade Orlando, FL

They provided misleading information just to get me signed up for the service. Once I made the payment t i never heard back again from them neither any information on how the process is going. For me, this is fraud

1 year ago

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Andrey Shabura Meridian, ID

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

6 years ago

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Erica Deane Key West, FL

I love them just like family. This company really cares about you and your future.

6 years ago

Reply from Key Credit Repair

Thank you so much for kind words:)

Apr. 21st, 2020