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Key Credit Repair

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59 User Reviews

4.9

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.

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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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Star Rating

3.2

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59 Reviews

Review Breakdown

5 grade

46%

4 grade

7%

3 grade

7%

2 grade

5%

1 grade

36%

Sentiment Criteria

Value

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Quality

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Service

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Verified Customer

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Review Source

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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.

1 year 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”

6 years ago

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Verified Customer

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Review Source

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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.

1 year 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.

6 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!

6 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!

6 years ago

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Verified Customer

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Review Source

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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.

1 year 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.

3 years ago

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Reply from Key Credit Repair

Vasili-Thank you so much for your kind words.

Apr. 21st, 2020

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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!

5 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!

6 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.

6 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

6 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!!!

6 years ago

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Verified Customer

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Review Source

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Alfredo Bran Anaheim, CA

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

1 year 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!

6 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.

6 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.

6 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!

6 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!

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.

3 years ago

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Reply from Key Credit Repair

Thank you so much for kind words:)

Apr. 21st, 2020

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Caitlin Brockton, MA

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

6 years ago

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Emily Redwood City, CA

A fabulous experience - I won't look anywhere else next time.

6 years ago

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Chris Quackenbush Keene, NH

The customer service was outstanding!

6 years ago

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Jim Spinale Redwood City, CA

Very professional.

6 years ago

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Tim Chan Redwood City, CA

Great Company!

6 years ago

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Tony Armata Redwood City, CA

Hands down deserves a 10 rating

6 years ago

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shaw Melrose, MA

The best credit repair company yet !!!

8 years ago

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