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Key Credit Repair

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5.0

Overall Score

Author: Kaitlyn Short

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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Star Rating

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3.1

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64 Reviews

Review Breakdown

5 grade

44%

4 grade

6%

3 grade

6%

2 grade

5%

1 grade

39%

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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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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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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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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.

3 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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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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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.

8 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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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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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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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

6 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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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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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

7 years ago

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Devin Daley

Didn't fix my credit at all and I was with them for a long time I believe a year or so.

4 years ago Edited January 10, 2024

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Jorge Caldwell, TX

Because I didn't see a change on my credit

4 years ago

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Christine Wilkerson Chestnut Hill, MA

They failed to fix my credit after paying all that money

4 years ago

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Monica Dallas and Harold Ellis Florissant, MO

Awful took my money and never called me back

4 years ago

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Keoni Mililani, HI

They took $1500 and nothing changed on my credit report

4 years ago Edited January 10, 2024

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jesse ross

Garbage company, I swear its all a scam. Have fun trying to reach someone in customer service. This company is a scam!!

7 years ago

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Jacqueline Lake Charles, LA

I joined Key Credit Repair in Feb 2013 now its July 2013 one account deleted. Did not work out for me so I canceled.

11 years ago