WELCOME to Kay's Financial Services
CLEAN UP YOUR REPORT AND INCREASE YOUR SCORE!
Where our goal is to empower you on your credit journey. We're not just a self-service credit repair company, we're your dedicated partner in reaching your financial goals.
We Are Here to Make Your Financial Life Easier.
WELCOME to Kay's Financial Services
Where our goal is to empower you on your credit journey. We're not just a self-service credit repair company, we're your dedicated partner in reaching your financial goals.
We Are Here to Make Your Financial Life Easier.
How Credit Repair Works
You can’t drive how you want, you have to follow the traffic laws. Just like traffic laws the banks, credit bureaus, and creditors have credit laws they need to follow. A lot of times banks, credit bureaus, and collection agencies don’t follow these laws when reporting derogatory accounts. So, it's our job to help you by giving you all the tools you need to dispute inaccurate and unverifiable item on your credit report.
Try SmartCredit® for 7 days $1.99
To discover what’s on your credit report and determine which tools you can use to address factors affecting your credit score, enroll in a SmartCredit® membership today using this link: CLICK HERE
Identify Negative Items
Once you have your report, review the personal information section, noting any outdated details, then identify and mark all accounts with negative statuses such as "In Collection," "Charged Off," "Late Payments," or "Bankruptcy.
(Highlight all negative accounts)
Identify Your Hard Inquiries
Next, make sure to circle, highlight, or jot down all the hard inquiries not tied to an open account. These inquiries should be challenged for removal.
Example if you have a capital one credit card you must keep that inquiry on your report.
It's time to make your financial life easier
Once you have your list of negative items, these are the accounts you should focus on challenging to get removed from your credit report. You will use one of the services below to start your credit journey!
How Credit Repair Works
You can’t drive how you want, you have to follow the traffic laws. Just like traffic laws the banks, credit bureaus, and creditors have credit laws they need to follow.
A lot of times banks, credit bureaus, and collection agencies don’t follow these laws when reporting derogatory accounts. So, it's our job to help you by giving you all the tools you need to dispute inaccurate and unverifiable item on your credit report.
Try SmartCredit® for 7 days $1.99
To discover what’s on your credit report and determine which tools you can use to address factors affecting your credit score, enroll in a SmartCredit® membership today using this link: CLICK HERE
Identify Negative Items
Once you have your report, review the personal information section, noting any outdated details, then identify and mark all accounts with negative statuses such as "In Collection," "Charged Off," "Late Payments," or "Bankruptcy.
(Highlight all negative accounts)
Identify Your Hard Inquiries
Next, make sure to circle, highlight, or jot down all the hard inquiries not tied to an open account. These inquiries should be
challenged for removal.
Example if you have a capital one
credit card you must keep that inquiry on
your report.
It's time to make your financial life easier
Once you have your list of negative items, these are the accounts you should focus on challenging to get removed from your credit report. You will use one of the services below to start your credit journey!
ABOUT US
Empower every individual to achieve the credit scores they DESERVE to live the lifestyle they desire.
We are here to provide transparent, quality service to all our clients by providing them with the guidance and services needed to repair and build a positive credit profile to reach their financial goals.
ABOUT US
Empower every individual to achieve
the credit scores they DESERVE to
live the lifestyle they desire.
We are here to provide transparent, quality service to all our clients by providing them with the guidance and services needed to repair and build a positive credit profile to reach their financial goals.
Credit Repair Services
Don't have time to fix your own credit? We've got you covered. See if you qualify for our exclusive credit membership.
This mentorship is designed for anyone who:
Needs expert guidance to navigate the complex world of credit repair.
Wants access to personalized strategies that fit their unique financial situation.
Is looking for a company to not just work on their credit but mentor them through the entire process.
Seeks ongoing mentorship to not only repair but also maintain and build a strong credit profile.
Take the first step towards financial freedom today!
Credit Repair Services
Don't have time to fix your own credit? We've got you covered. See if you qualify for our exclusive credit membership.
This mentorship is designed for anyone who:
Needs expert guidance to navigate the complex world of credit repair.
Wants access to personalized strategies that fit their unique financial situation.
Is looking for a company to not just work on their credit but mentor them through the entire process.
Seeks ongoing mentorship to not only repair but also maintain and build a strong credit profile.
Take the first step
towards financial freedom today!
HOW WE WORK
How Our Credit Repair and Restoration Works
Speak with a Credit Specialist
Once you book your call or complete the form, a credit specialist will reach out to review your credit report. They’ll help identify any inaccuracies or negative items impacting your score, explain our program in detail, answer any questions you may have, and guide you in selecting the best package tailored to your needs.
Enroll Online
Next is the enrollment process which will be done online. Once you get the enrollment form done you will have access to our 24-hour client portal to track updates each month and communication with staff. All communication is done through your client portal. On-boarding shouldn't take no more than 15 minutes.
It's time to make your financial life easier
Our mission is to empower every individual to achieve the credit scores they DESERVE to live the lifestyle they desire. We are here to provide transparent, quality service to all our clients by providing them with the guidance and services needed to repair and build a positive credit profile to reach their financial goals.
Let the Restoration Process Begin
Now that you’ve spoken with a specialist and enrolled, it’s time to kick off the restoration process! Our dedicated team will begin by identifying and disputing any errors on your credit report, ensuring your credit history truly reflects your financial behavior.
Next, we'll send letters to the three major credit bureaus and creditors to address each negative account. While we work on the deletions, you’ll focus on building your credit history and maintaining positive credit habits to make this process smoother. While we can’t guarantee specific results or timelines, after reviewing your credit report, we’ll provide an estimated timeframe for how long the process may take.
HOW WE WORK
How Our Credit Repair and
Restoration Works
Speak with a Credit Specialist
Once you book your call or complete the form, a credit specialist will reach out to review your credit report. They’ll help identify any inaccuracies or negative items impacting your score, explain our program in detail, answer any questions you may have, and guide you in selecting the best package tailored to your needs.
Enroll Online
Next is the enrollment process which will be done online. Once you get the enrollment form done you will have access to our 24-hour client portal to track updates each month and communication with staff. All communication is done through your client portal. On-boarding shouldn't take no more than 15 minutes.
Let the Restoration Process Begin
Now that you’ve spoken with a specialist and enrolled, it’s time to kick off the restoration process! Our dedicated team will begin by identifying and disputing any errors on your credit report, ensuring your credit history truly reflects your financial behavior.
Next, we'll send letters to the three major credit bureaus and creditors to address each negative account. While we work on the deletions, you’ll focus on building your credit history and maintaining positive credit habits to make this process smoother. While we can’t guarantee specific results or timelines, after reviewing your credit report, we’ll provide an estimated timeframe for how long the process may take.
It's time to make
your financial life easier
Our mission is to empower every individual to achieve the credit scores they DESERVE to live the lifestyle they desire. We are here to provide transparent, quality service to all our clients by providing them with the guidance and services needed to repair and build a positive credit profile to reach their financial goals.
WHY CHOOSE US
Benefits of Better Credit Score and Restoration
Approval for Higher Limits
Unlock higher credit limits with an improved credit score.
Qualify for Better Options
Access better loan and credit card options with ease.
More Negotiating Power
Gain leverage in negotiations for favorable rates and terms.
WHY CHOOSE US
Benefits of Better
Credit Score and Restoration
Approval for Higher Limits
Unlock higher credit limits with an
improved credit score.
Qualify for Better Options
Access better loan and credit card
options with ease.
More Negotiating Power
Gain leverage in negotiations for
favorable rates and terms.
PRICING PLAN
Our Self Service Options
Join Wealthy Women
Society Group
$55.00 A MONTH
Guidance on disputing personal information, inquiries, collections, charge-offs, and repossessions.
Our membership provides all you need to boost your credit score or build your business credit
Get access to education, live videos, Q&A sessions, resources, expert advice, community support.
Weekly accountability zoom calls
Tools for negotiating removal of negative items from credit reports
Guidance on building positive credit history and practices.
Access to community group
Learn all the credit HACKS!
Enjoy monthly guest speakers
Empowering individuals to take control of their credit journey and financial future
Most People See Results as Little as 30 Days
DIY KIT
$45.99 ONE TIME FEE
Guidance on disputing personal information, inquiries, collections, charge-offs, and repossessions.
Template letters included for disputes and resolution for any negative item on your credit report
Additional resources provided Pay-to-delete, goodwill, MOV, and debt validation letters
Access to third-party credit bureau and monitoring services
Tools for negotiating removal of negative items from credit reports
Guidance on building positive credit history and practices.
Empowering individuals to take control of their credit journey and financial future
Most People See Results as Little as 30 Days
The Credit Recipe
$39.99/MONTH
Dispute Any Account with all 3 credit bureaus
Mail Letters for you
The software does all the work for you
You can do it from your smartphone
You can fix your own credit like a PRO
Most People See Results as Little as 30 Days
Just keep your credit monitoring service running while using TCR
No more excuses!!!
Credit Mentorship Program
$995 one-time fee
6 month mentorship with Kay
Choose A trip for Miami or Las Vegas (taxes and fees not included) when you pay in FULL!!
24/7 Client Portal Access
Month to Month Credit Updates
Support via Phone/E-mail
Client Free library to all resources
Credit Education via Email/Text
Building Strategies That works
Unlimited Disputes
Most People See Results as Little as 30 Days
Results in 120 Days or Your Money Back
PRICING PLAN
Our Self Service Options
Join Wealthy Women
Society Group
$55.00 A MONTH
Guidance on disputing personal information, inquiries, collections, charge-offs, and repossessions.
Our membership provides all you need to boost your credit score or build your business credit
Get access to education, live videos, Q&A sessions, resources, expert advice, community support.
Weekly accountability zoom calls
Tools for negotiating removal of negative items from credit reports
Guidance on building positive credit history and practices.
Access to community group
Learn all the credit HACKS!
Enjoy monthly guest speakers
Empowering individuals to take control of their credit journey and financial future
Most People See Results as Little as 30 Days
DIY KIT
$45.99 ONE TIME FEE
Guidance on disputing personal information, inquiries, collections, charge-offs, and repossessions.
Template letters included for disputes and resolution for any negative item on your credit report
Additional resources provided Pay-to-delete, goodwill, MOV, and debt validation letters
Access to third-party credit bureau and monitoring services
Tools for negotiating removal of negative items from credit reports
Guidance on building positive credit history and practices.
Empowering individuals to take control of their credit journey and financial future
Most People See Results as Little as 30 Days
The Credit Recipe
$39.99/MONTH
Dispute Any Account with all 3 credit bureaus
Mail Letters for you
The software does all the work for you
You can do it from your smartphone
You can fix your own credit like a PRO
Most People See Results as Little as 30 Days
Just keep your credit monitoring service running while using TCR
No more excuses!!!
Credit Mentorship Program
$995 one-time fee
6 month mentorship with Kay
Choose A trip for Miami or Las Vegas (taxes and fees not included) When you pay in FULL!
24/7 Client Portal Access
Month to Month Credit Updates
Support via Phone/E-mail
Client Free library to all resources
Credit Education via Email/Text
Building Strategies That works
Unlimited Disputes
Most People See Results as Little as 30 Days
Results in 120 Days or Your Money Back
TESTIMONIALS
Our Client Reviews
Reeby Lindsey
Today I took Kay’s Credit Masterclass & I got a better understanding about so many things regarding credit! The class was so informative & she made things easy to understand! She has a credit group on Facebook as well, so she’s just helpful on a regular basis! She also didn’t hesitate to make sure we understood everything. lf y’all missed this class, y’all better catch the next one! We leaving bad credit in 2022!
Jeanette
This lady has a beautiful soul she is a great mentor/coach. She knows her stuff very humble, and her customer service is a 10+. She goes above and beyond to help you get to where you want to be. She is the reason why i got motivated to open up my first 2 credit cards in 32 years. Her credit course was amazing BEST COURSE I EVER TOOK! I just love how she teaches. Book her she is great you will be happy with your results. Thank you for being you.
Jennifer
This company is amazing, affordable, reliable, and trustworthy! The CEO Kay is an intelligent, knowledgeable, kind-hearted, and professional woman. I highly recommend all of Kay's Financial Services; you will not regret investing in yourself (I paid for academy credit course and business credit webinar). Kay shares so much knowledge, information, tips, advice, and so much more with you. Kay genuinely wants to help you win and will set you up for success.
TESTIMONIALS
Our Client Reviews
Reeby Lindsey
Today I took Kay’s Credit Masterclass & I got a better understanding about so many things regarding credit! The class was so informative & she made things easy to understand! She has a credit group on Facebook as well, so she’s just helpful on a regular basis! She also didn’t hesitate to make sure we understood everything. lf y’all missed this class, y’all better catch the next one! We leaving bad credit in 2022!
Jeanette
This lady has a beautiful soul she is a great mentor/coach. She knows her stuff very humble, and her customer service is a 10+. She goes above and beyond to help you get to where you want to be. She is the reason why i got motivated to open up my first 2 credit cards in 32 years. Her credit course was amazing BEST COURSE I EVER TOOK! I just love how she teaches. Book her she is great you will be happy with your results. Thank you for being you.
Jennifer
This company is amazing, affordable, reliable, and trustworthy! The CEO Kay is an intelligent, knowledgeable, kind-hearted, and professional woman. I highly recommend all of Kay's Financial Services; you will not regret investing in yourself (I paid for academy credit course and business credit webinar). Kay shares so much knowledge, information, tips, advice, and so much more with you. Kay genuinely wants to help you win and will set you up for success.
Ready To Take Your Credit To
The NEXT LEVEL?
Our Guides Help You Remove
Ready To Take Your Credit To
The NEXT LEVEL?
Our Guides Help You Remove
Frequently Asked Questions
How Long Before I See Results
We get this question asked a lot. It really depends on your profile and your goals. Everyone profile is different with credit repair you can't put a time frame on it you must trust the process. Most of our clients see results within the first 30-60 days. That’s actually one of the best parts of choosing Kay's Financial Services. We help you reach your goals so that you can live the financial life you want to live.
How Long Does It Take To Fix Bad Credit?
There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation. Our program is designed for you to complete the program within 90-180 days. We work with you, but we also need you to work with us.
Can I Repair My Credit On My Own?
Yes, you can. We offer our own DIY (Do it yourself) kit that will walk you through the steps you need to fix and build your own credit. Join our FREE fakebook group to get started. https://www.facebook.com/groups/2839651116285734/ OR check out our self-service option. The Credit Recipe (creditmyreport.com)
If You Remove An Item From My Credit Report, Does It Eliminate The Debt?
No, removing an item from your credit report does not automatically eliminate the underlying debt. If an item is removed, it means that the information related to that particular debt will no longer appear on your credit report, but it doesn't erase the debt itself. You would still be responsible for paying off the debt, and the creditor or collection agency could pursue collection efforts or legal action to recover the amount owed. It's essential to address and resolve any outstanding debts even if they are no longer on your credit report.
Why does different websites show different scores?
There can be several reasons why your credit scores might vary between Experian and other websites. Each credit bureau uses its own scoring models and algorithms to calculate credit scores, resulting in potential variations. Additionally, different websites may use different credit scoring models or versions, which can lead to differences in the scores you see. Furthermore, credit scores are dynamic and can change over time as new information is reported to the credit bureaus. If you want to see your most accurate credit score, go to the Experian website.
Frequently Asked Questions
How Long Before I See Results
We get this question asked a lot. It really depends on your profile and your goals. Everyone profile is different with credit repair you can't put a time frame on it you must trust the process. Most of our clients see results within the first 30-60 days. That’s actually one of the best parts of choosing Kay's Financial Services. We help you reach your goals so that you can live the financial life you want to live.
How Long Does It Take To Fix Bad Credit?
There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation. Our program is designed for you to complete the program within 90-180 days. We work with you, but we also need you to work with us.
Can I Repair My Credit On My Own?
Yes, you can. We offer our own DIY (Do it yourself) kit that will walk you through the steps you need to fix and build your own credit. Join our FREE fakebook group to get started. https://www.facebook.com/groups/2839651116285734/ OR check out our self-service option. The Credit Recipe (creditmyreport.com)
If You Remove An Item From My Credit Report, Does It Eliminate The Debt?
No, removing an item from your credit report does not automatically eliminate the underlying debt. If an item is removed, it means that the information related to that particular debt will no longer appear on your credit report, but it doesn't erase the debt itself. You would still be responsible for paying off the debt, and the creditor or collection agency could pursue collection efforts or legal action to recover the amount owed. It's essential to address and resolve any outstanding debts even if they are no longer on your credit report.
Why does different websites show different scores?
There can be several reasons why your credit scores might vary between Experian and other websites. Each credit bureau uses its own scoring models and algorithms to calculate credit scores, resulting in potential variations. Additionally, different websites may use different credit scoring models or versions, which can lead to differences in the scores you see. Furthermore, credit scores are dynamic and can change over time as new information is reported to the credit bureaus. If you want to see your most accurate credit score, go to the Experian website.
Been searching for a
supportive community?
JOIN OUR COMMUNITY GROUP!
Been searching for
a supportive community?
JOIN OUR COMMUNITY GROUP!
Kay's Financial Services
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Kay's Financial Services