Our process begins with an initial Credit Analysis which costs $29.95 (select quarterly plan) This includes setting up an account to access all 3 of your Credit Reports and All 28 of your FICO Scores. After you complete this step, you will send your login information to your Credit Specialist for yourCredit Analysis.
A wave is for 45 days and payment is paid at start of Wave. Letters are created on your behalf, then once letters are created you will receive an invoice by mail for the $100 fee. Once your invoice has been marked as paid, your letters will be mailed out and the 45 day waiting period will begin. The restoration program wave is for 45 days with no contracts, after the first 45 days we re-evaluate your Credit Profile to see if you need to continue or if you are where you you want to be, and if not we would do another wave (each wave is for 45 days) which is another $100 for each wave. The Credit monitoring that you set up is required throughout the process to be keep up to date and is how I monitor your improvement and scores. The total for each wave (45 days is $140. ($100 for the wave and the $40 monthly you pay for Credit Monitoring). *THE CREDIT MONITORING IS REQUIRED DURING THE PROCESS OF RESTORATION TO BE KEPT UP TO DATE AND IF NOT UP TO DATE, RESTORATION WILL STOP UNTIL PAID.
***If you decide after your Analysis that you do not want to continue Credit Restoration, you may cancel your Credit Monitoring and not be charged any further***
Restoration includes challenging of negative items and negative inquires and the time spent auditing each individual credit report, mailing and faxing challenge letters, and ongoing education you will receive throughout the process. Items are challenged based on compliance.
***PLEASE NOTE: The fee that you pay does not guarantee any deleted items, but is for the work done, however improvement of scores when completely following the program is typically seen within 45 days*** I like to be as transparent as possible and up front and this process will not be just sending dispute letters to just each Bureau it is a very aggressive attack on each negative creditor as well as each Bureau and can be roughly 30 letters sent at one time.
If you decide that you are ready to sign up for services, then you will click the sign up button below and complete your personal information. The only things you need to fill in are those marked with a RED STAR. (As seen in picture example above). You DO NOT need to complete anything else. (THE ONLY FIELDS YOU WILL PUT INFO IN IS FIRST AND LAST NAME, EMAIL, STREET NAME & NUMBER, BIRTHDATE(00-00-0000) AND LAST 4 DIGITS OF YOUR SOCIAL. IF YOU INCLUDE ANY OTHER FIELDS YOU MAY GET AN INVALID ERROR MESSAGE!!) Enter birthday using two digit month, two digit day and 4 digit year and use dash (-) in between.
At the bottom where you see "Add Images", here is where you will upload a copy of your ID/Driver's License and a utility bill that shows your current address. If you do not have a current utility bill you can add a Bank Statement here instead.
**You will need to actually include the bill and not just the envelope the bill comes in**
These items are needed to prove your identity to the Credit Bureaus so please make sure these items are legible and clear.
***SOCIAL SECURITY CARD IS OPTIONAL UNLESS YOU DO NOT HAVE ANY MAIL AT YOUR ADDRESS THAT CAN BE USED TO PROVE IDENTITY INSTEAD***
Create an account for $1 with Identity IQ and send your Credit Specialist the login credentials. Within 48 hours, this account will no longer be needed and your Credit Specialist will let you know to cancel it and you will never be charged again. This allows your Specialist to import your Credit Reports.
Are you having a hard time getting approved for even a Secured Credit Card? Look no further! KCPR offers access to a Secured Card with no Credit Check meaning NO HARD INQUIRY. All you have to do is pay a $200 deposit. ***CANNOT BE IN ACTIVE BANKRUPTCY!!!
This book is written by the CEO of KCPR Services, LLC, LaKeshia Johnson-Armstrong also known as Author K.LaNae. This guide is an easy to understand book on how Credit works and how to dispute inaccurate information to increase your Credit Score. It also provides access to Facebook Support Group for those looking to improve their Credit. Purchase today and you will not be disappointed!!!
Join the Facebook Group, "Goal"Digging Credit Addicts to be surrounded by others fixing their ownCredit and on a journey to understand the Credit process and to have access to exclusive content and access to quick responses to Credit questions by Author K.LaNae.
Like us on Facebook @KCPRSERVICES for access to Tax Tips and to have access to exclusive contests and giveaways. This page is dedicated to Tax information. Like this page to have all your Tax questions answered.