FAQ
I was a victim of identity theft. Can you help?
Yes. If accounts were opened without your permission, we dispute them and work to get them removed. If you have a police report or identity theft affidavit, even better — it speeds things up.
How long will it take to see results?
Most people see changes in 30–90 days. Full results may take longer. It depends on your situation, but we start working right away. This isn't an overnight fix. It’s a process.
Can you remove any negative item from my credit?
No one can remove everything, but if something is inaccurate or can’t be verified, it has to go. That’s where we come in. We challenge the items and make the bureaus prove them.
How does disputing work?
We challenge items using federal law. The credit bureaus have 30 days to prove the info is accurate. If they can’t, they must fix it. Simple.
Can I repair my own credit?
Yes. But most people don’t have the time, patience, or knowledge to do it right. We know the laws and what works. That’s why people hire us.
Will my credit go up right away if items are removed?
Not always. It depends on what’s left on your report. But every negative item removed is a step in the right direction.
Is credit repair legal?
100% legal. The law gives you the right to challenge anything that’s inaccurate, outdated, or unverifiable. We just know how to use the law effectively.
Will paying off collections boost my score?
Not necessarily. The damage was already done. Paying it may help with future approvals, but we’ll help you decide what’s worth paying and what we can challenge.
Can you help with business credit too?
Yes. We help you build business credit that doesn’t rely on your personal credit. Whether you’re starting out or scaling up, we help you do it the right way.
What if the bureaus ignore my disputes or verify bad info?
Then we escalate. We ask for proof, file complaints if needed, and keep pushing. We don’t stop at the first “no.”
Can I still apply for credit while working with you?
You can, but we recommend waiting until disputes are done. New applications can trigger alerts or slow things down.
Do you work with all three credit bureaus?
Yes — Experian, Equifax, and TransUnion. We also go directly to creditors and collectors if needed.
How do I track my progress?
You get access to your own client portal. It shows all disputes, updates, and changes in real time. We also send you regular updates. You're never in the dark.
What happens if I cancel or pause my subscription?
All work stops. No disputes, no follow-ups. Consistency matters — if you stop, your progress stalls.
Do you offer any guarantees?
We guarantee hard work, honesty, and legal compliance. We can’t promise results (no one can), but we’ll give it everything we’ve got.
Is this a one-time fix or ongoing process?
It’s a process. Most reports need multiple rounds. We stay with you and adjust strategy as we go.
Take Control of Your Credit and Create the Future You Deserve
TestimonialS
Danielle J.
"When I joined Kim and Kim Consultant Group, my credit was in bad shape after a tough divorce. Within a few months, they helped remove several collections and guided me through rebuilding. Now I’m driving my own car again and feeling proud of my progress."
Marcus B.
"Before working with Kim and her company, I couldn’t get approved for anything. Six months later, my score jumped over 100 points and I finally got approved for an apartment. They were honest, patient, and made the whole process easy to understand."
Tanya R.
"I’ve tried other companies before, but Kim Consultant Group were the first ones who truly cared. They explained every step and kept me updated each round. My score went from 540 to 678, and I can finally see a way forward."
Jerome L.
"Working with Kim was more than just credit repair. They helped me understand how to rebuild and stay consistent. Old medical bills are gone, and now I’m preparing to buy a home next year. They really care about helping you move forward."
Latasha W.
"Kim got to work right away. I saw my first deletions in just a few weeks. They kept me updated through my dashboard and always answered my calls. If you’re serious about fixing your credit, this is the team to trust."
Derrick and Monique P.
"My wife and I signed up together, and both our scores increased by more than 90 points. We were finally approved for a mortgage we’d been dreaming about for years. Kim and her company treated us like family and supported us every step of the way."
