Kredit Koncepts
About Us
Kredit Koncepts is celebrating our sixteenth year helping Americans with credit recovery, credit building and credit protection. We have built a reputation for excellence by treating each client empathetically as we diligently work to increase their credit score. Our simple application of experience and innovation has allowed us to keep our promise to thousands of clients. Thank you for helping us maintain an A+ Rating
Founded in 2009 due to the global financial crisis, Kredit Koncepts has been diligently helping Americans build better credit profiles. Bad credit leads to being denied on loans, and leasing apps and could affect employment. Therefore, it was necessary to provide a service that assists with credit recovery and educates consumers on the United States credit system. We have achieved this and more.
Why choose Seven Corporare
Applied Innovation
2016 was the year of innovation for Kredit Koncepts, as we launched the 1st. Credit Education Center in New York City developed the first-of-its-kind Credit Kiosk (launching in spring of 2017) and created the KK Mobile App. Our Credit Center is located at 1175 Castle Hill Avenue in Bronx, New York. It is a beautiful retail location that provides community-driven solutions to the credit problem. We use the Credit Center to meet the community face-to-face and collaborate on empowering people for economic prosperity.
Our Packages
Poor or Insufficient credit has become a growing epidemic in America. Nearly a third of Americans have a credit score lower than 601 — the distinction between bad and fair credit — according to credit bureau Experian. If you suffer from poor credit, it is costing you more than you know. You are spending thousands of hard-earned money in higher interest and down payments. The fact is that 70% of all credit reports have errors on them and we are experts in identifying erroneous, inaccurate and unverifiable accounts.
For those with challenged credit, we’ve developed a 3-tier approach.
- Restore
- Rebuild
- Protect
Restore - Credit Builder +
Rebuild - Seasoned Tradelines
Protect
Restore - Credit Builder +
Restore – Credit Builder +
The Credit Builder + is our most effective tool for bringing credit scores up 100+ points. This is accomplished by combining credit building with credit report error removals, debt settlement, identity theft protection, credit monitoring and credit card protection.
We specialize in assisting clients with restoring credit reports. We assist in improving your credit by removing negative items you identify as inaccurate, misleading or unverifiable. This Membership includes:
- Bankruptcies
- Liens
- Judgements
- Late Payments
- Garnishments
- Foreclosures
- Partial Payments
- Collections
- Charge Offs
- Repossessions and more….
Rebuild - Seasoned Tradelines
Rebuild – Seasoned Tradelines
We have some exciting news about our Credit Building Program. We now offer Seasoned Tradelines!
What is a season Tradeline?
Seasoned Tradelines are an account that has an established payment history. The history can range from six months to 30 years. The length of the history the higher the limit the more it impacts your score. This also determines the price of the Tradeline.
Is this legal?
Lenders have used seasoned Tradelines for nearly 40 years. Adding seasoned Tradelines to your credit report to boost your score became a popular way to increase scores as a result of the Equal Credit Opportunity Act of 1974. This law allowed the process to attach positive credit accounts (tradelines) legally to someone else.
How long does it take to increase your score?
Once we have selected an appropriate seasoned Tradelines the score increase is immediate. As soon as the seasoned Tradelines hits your report, your score should increase right away. The real question is, “how long does it take to get the seasoned Tradelines onto my credit report?” This can take anywhere from 15 to 45 days. If adding the lines takes longer than 45 days, it may be due to company mismanagement, fraud alerts or security freezes on your credit report preventing the lines from posting, etc.
How much will my score increase?
How much your credit score will increase is impossible to answer without looking at your credit report. We’ve seen situations where our clients have gone from the mid-500s to over 600 with the addition of 3-4 seasoned Tradeline around $10,000.00 in limit and 3 years in age (in just 30 days). We have also seen clients’ scores increase about 40 points with the addition of 2 very substantial tradelines (over $30,000.00 limits and over 10 years of age). It depends on what’s on your credit report and the skill to select seasoned Tradelines to counter the negatives and improve your score.
What type of Tradelines are there?
Authorize users are an account on by a third-party that’s giving you access to the payment history and balances of the account to show up on your credit report.
How long does the Tradelines stay on your report?
Tradelines are only listed as “open accounts” on the report for 45-60. You can request an extension 5 days prior to the closing date for a fraction of the retail cost.
My Tradelines are posted, what now?
As soon as the Seasoned Tradelines are posted on your report, HIT THE GROUND RUNNING. Rember you have a limited time at the maximum peak of your new score, use it wisely.
Protect
Protect
The 2017 Identity Fraud Study, released by Javelin Strategy & Research, found that $16 billion was stolen from 15.4 million U.S. consumers in 2016, compared with $15.3 billion and 13.1 million victims a year earlier. In the past six years identity thieves have stolen over $107 billion. Our clients receive Free Identity Protection powered by Equifax that include:
- Lost Wallet Assistance
- Unlimited access to your Equifax report
- $1Million dollars of identity theft protection
- Activate the Automatic Fraud Feature
- Activate, Customize and Understand Your alerts
- Contact Dedicated Equifax Identity Theft Resolution Specialists
- Lock & Unlock Your Equifax Credit File using Equifax Credit Report Control™*
Start Today to Restore, Rebuild and Protect
Fixing your poor or insufficient credit is one of the best investments you can ever make for you and your family. To get on the road for a better quality of life, Take Action Today.
Call 800-985-9367 and let us get you started today.
Budget Software
Removing negative items, adding positive tradelines is only a part of establishing good credit. The other components involve discipline and money management. Our Reduce My Debt Software provides both! (Link to demo) Once we receive your debts we will optimize your monthly budget and advise how much you should pay to each debt according to your interest rates, then we will post another updated portal. We will also setup your SMS (text messaging) and e-mail alerts so you will know in advance when to pay each debt and send reminders until you confirm it’s paid. This reduces unnecessary late payments and more negative credit scoring. It is that easy! Also, we will send you more valuable debt accelerating techniques to increase your scores even more. You can be out of debt before you know it.
Business Credit Builder
95% Of Business Owners Make This Mistake!!!
Don’t Use Your Personal Credit to Support Your Business
Build Your Company’s Business Credit
Let us help you build a second or third credit profile!! How many credit profiles do you control? Do you have a PAYDEX score?
America is the greatest country in the world that allows a person to open a corporation and obtain a tax id # for free!!! (Also know as an EIN or employee identification number) If utilized properly this 9-digit number has even more power than your Social Security number. This is because business approvals are 2-10 times larger than personal approvals. If you’re using your personal credit or personally guaranteeing to back your business finances, you could making a big mistake and you are putting your family’s assets at risk. Never forget 80% of all businesses still go out of business in the 1st 5 years. Having solid business credit can keep you out of that 80%!!!
Business Credit Features:
- Have the luxury of controlling two credit profiles (business and personal profile)
- Business Credit is used under the business EIN (Tax ID #)
- We will build your company credit properly so you don’t get Red Flagged which will stop you from getting any approvals
- We have a proven system and relationships to trigger instant approvals required to build a strong file
- Great for those with bad personal credit less than 720 (bankruptcies ok)
- We will help you build a solid 80 PAYDEX Score equivalent to a 720 FICO score.
- We will establish your Duns and Brad Street # at no extra cost
- Great for Start-ups or better for seasoned businesses
THE BENEFITS OF A GREAT BUSINESS CREDIT PROFILE
- 30 minute intake session with your personal business credit technician
- Immediate Guaranteed Approvals, Results in days
- Get corporate credit cards, including VISA and MC-NO SS# required.
- Get vendor lines of credit and working capital dramatically improve cash flow
- Buy or Lease cars, computers office equipment and property without ever risking personal credit
- Obtain up to $50,000 Business Credit within 6-Months regardless of personal credit
or getting declined because of poor credit.
Apply today so you can benefit from having strong business credit
KK ACADEMY
90-Day Credit Education Program
Our Credit Academy provides participants with expert training about the credit system. It provides material by email, which makes it easy to go at your own pace. Each training is designed to help build knowledge of the United States credit system. Knowledge is important because Credit has a major impact on our lives. The better credit is understood, the better someone can protect their credit profile.
Receive insight into the United States credit systems and learn new ways to protect your credit profile. This 90-day program teaches you in a self-paced format, so you can learn even with a busy schedule. Credit is very important to your future. Let us prepare you for a better future. Register today.
SCHEDULE AN APPOINTMENT
Credit Experts Are Ready
Schedule an appointment today. Our expert Credit Professionals are available to review your credit profile and explain the benefits of our services.
Schedule an appointment today, so we can walk you through the enrollment process and program details.
