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KCM Credit Service's

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Frequently Asked Questions

They say knowing is half the battle. This is especially true in any matter that concerns your wealth and finances. Below are some of the most frequently asked questions we get here at KCM Credit Service's Inc. We hope you find them useful. Feel free to contact us should you need further help.

What can I expect from signing up with you?

Our team will be with your from start to finish, guiding you through the entire process and preparing all the documents you need. You won’t need to communicate with creditors and bureaus nor try to understand the complicated techniques and regulations of credit reporting yourself.

As credit repair experts, we have extensive experience working with various creditors and credit bureaus. We’ve spent a great deal of time educating ourselves about credit scoring and the laws that’ll help you improve your rating. We’re confident enough about our services.

Is it worth my time and money?

Credit bureaus may have you believe otherwise, but credit training and repair really do work—granted, of course, that you get advice from honest, experienced professionals. If your credit score falls under 720, our services will grant you long-term benefits

Note, however, that there are two main factors that may prevent you from getting the results you desire. These include your current financial situation and the time frame in which you need to improve your credit rating. So long as these two factors are in the green, we can help you remove any item from your credit report, even the accurate ones. This can happen if the creditor for these items makes any mistakes or can’t provide proof within the required time frame.

Why are your results different?

There are always two sides to the credit repair battle. Sometimes, we are successful in challenging the items in your report. Other times, the creditors and bureaus are able to respond to our challenge, leaving us with no case against them. Our clients are able to remove an average of 70% of the negative items appearing on their credit reports.

Will the removed items come back?

Items that have been removed from your report cannot come back as long as they are current or are paid at the time of removal, or if the collection has already lapsed by three years. There are only very rare circumstances in which this may not hold true.

What items can you help me challenge?

We have had great success in helping clients with the following:

  • Bankruptcies
  • Foreclosures
  • Collections
  • Charge-Offs

  • Repossessions
  • Medical Bills
  • Credit Card Debts
  • Inquiries

  • Late Payments
  • Judgments
  • Tax Liens
  • Student Loans