Dispute. Sue. Build. Leverage.
Most credit repair companies send letters and hope. We document violations and take legal action. When agencies and creditors break federal law, we escalate to attorneys and go after them on your behalf.
We analyze every item on your report for inaccuracies, unverifiable data, and federal reporting violations.
We dispute every eligible item and document every response from agencies and creditors in real time.
If an agency or creditor fails to comply, we escalate. Intent-to-sue notices, attorney involvement, and legal action when necessary. No extra charge to you.
Credit sweeps, fake police reports, and identity theft affidavits are illegal, ineffective, and targeted by the FTC. They do not work. What works is knowing the law and using it.
We built every part of our process around FCRA and FDCPA compliance, so every dispute we file is airtight, and every violation we find is documented and enforceable.
"I had 14 negative items on my report and honestly didn't think any of them would come off. King Credit removed 11 in four months. I bought a house six months later."
"I tried two other companies before this. Both used sweeps and neither one worked. King Credit is completely different. They actually know the law and they use it."
"My score went up 87 points in 90 days. Collections removed, late payments cleaned up. I feel like I finally have control of my financial life again."
We sit down with you, review your credit situation, and build a clear picture of what is on your report, what needs to go, and exactly how we are going to get there. No pressure, no obligation.
We file disputes, document every response, send certified mail, and escalate to attorneys when the law is violated. Every move is tracked and reported to you in your client portal. Agencies that do not comply face legal consequences.
Most clients see movement in the first 35 days. We keep working until your file is clean, accurate, and set up for long-term success. Along the way we help you add positive accounts and give you the financial education to keep your credit strong for life.
Discounts do not stack. Applies to Silver, Gold, and Platinum only.
Essential credit cleanup: personal info, inquiries, charge-offs, collections, and closed accounts.
Full dispute coverage with unlimited rounds, late payments, repos, and a money-back guarantee.
Everything in Silver, plus bankruptcies, dedicated manager, and phone disputes.
The full package: evictions, public records, CoreLogic, ChexSystems, and strategy calls.
Attorney Packet
$250
Review RequiredSummons Defense
$150
Review RequiredCredit repair is the process of correcting inaccurate, outdated, or illegally reported information on your credit report. Most companies use generic letters. We use a legal-backed credit restoration system that disputes errors, audits compliance, monitors for federal violations, and escalates to attorneys when necessary. Our approach focuses on accuracy, enforcement, and long-term results, not shortcuts.
Most credit repair attempts fail because they used identity theft affidavits, fake police reports, or credit sweeps. These methods are targeted by the FTC, no longer work, and often cause more damage. We do not use any of those. Our system is built on federal compliance, forcing agencies and collectors to follow the law, documenting violations when they fail, and escalating through intent-to-sue notices and attorney involvement when necessary. This is enforcement, not guesswork.
No legitimate company can guarantee specific deletions. What we do guarantee is this: if you complete your onboarding, follow our process, and see zero improvement after six full months, you get a full refund. In most cases, by month six we are already in the legal escalation or lawsuit preparation phase, and that legal action continues even if a refund is issued.
Yes. In most cases, bad credit is the result of inaccurate or illegally reported information. Collections, charge-offs, repossessions, late payments, and other negative items frequently contain reporting errors or compliance violations. We analyze every account for accuracy and legality, dispute what is incorrect, and escalate when the law is not being followed. If it is being reported incorrectly, it can be challenged.
Most clients see movement within the first 60 to 90 days. Full results depend on the complexity of your file and how many items need to be addressed. We continue working until your report is accurate, compliant, and clean. There is no artificial end date on your case.
All of these are covered. Collections are handled under the FDCPA. Charge-offs and bankruptcies are challenged when reporting is inaccurate, incomplete, or unverifiable. Many creditors are unable to properly validate accounts that have been sold or transferred, which creates strong grounds for removal. We also handle evictions, repossessions, hard inquiries, and secondary agency data including LexisNexis and CoreLogic.
Choose the path that works best for you.
Talk to a credit specialist who will review your situation, answer your questions, and build a plan specifically for you. No pressure, no obligation.
Already know what you need? Pick your plan, complete onboarding, and we start working on your credit immediately. No call required.