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Key Credit Repair

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59 User Reviews


Overall Score

LAST UPDATED: June 24th, 2021

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.


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.


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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59 Reviews

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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.

1 year ago


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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.

1 year ago


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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.

1 year ago

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