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About Us

Serving the public since 2007, Kredit Koncepts was created with one objective in mind: to help America recover from credit injustice. Our mission is to provide the necessary tools for self-empowerment, helping the financially motivated overcome the devastating effects of poor credit, poverty and unfair treatment. For 14 years, Kredit Koncepts has maintained an A rating from the Better Business Bureau (BBB), with zero complaints to date. The company is a Certified Trusted Company. Visit our Credit Education Center at 1175 Castle Hill Ave Bronx, N.Y. or our many satellite offices near you.

16 Years Of Experience

Founded  in 2007, Kredit Koncepts Financial Service provides Credit Recovery, Credit Building, Credit Protection & Financial Literacy Education.

Best Industry Experts

Our advanced technology and Credit Education Centers combine the most innovative and practical approach to Financial Freedom.

Fast & Effective Solutions

Our Restore, Rebuild and Protect strategy provideds the fastest, most effective results for credit recovery. 

Flexible Pricing

We are one of the most affordable services on the market. Please choose from our affordable monthly plans or six-month aggressive plans.  

Our Process

Step 1 - Restore

The fact is that 70% of all credit reports have errors on them and these errors often stay on your report for 7-10 years. We are experts in identifying and deleting accounts that are erroneous, inaccurate and unverifiable. Removing negative accounts gives clients the opportunity to provide a positive picture to lenders.

(As your credit specialist, our most important job is to review your credit history reports with you and to begin the process of disputing negative/inaccurate items on your reports. Our next important job is to give you recommendations to follow, which will help you to speed up the process, achieve a higher score and keep it. While we do our part, you must do yours and follow our steps, and your score will start to improve quickly.)

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Poor credit score report with pen and keyboard

Step 2 - Rebuild

Having Insufficient Credit or no credit is another challenge that millions of people face. Typically, when a person has major credit issues, lenders close existing accounts that have late payments and fall into collections. Therefore, we give our clients access to over one thousand Seasoned Tradelines (AU’s) to begin rebuilding their credit profiles.

Portland, OR, USA - Jan 19, 2022: Personal credit scores provide

Step 3 - Protect

Of the 3 million Identity Theft and fraud reports received in 2018, 1.4 million were fraud-related, and 25% of those cases reported money was lost. In 2018, consumers reported losing about $1.48 billion related to fraud complaints, an increase of $406 million from 2017. All clients receive credit/identity theft protection with up to $1 million in identity theft insurance with $0 deductible.


We Raise the Credit. We Raise the Community!

STOP Letting Your Credit, Hinder Your Financial Freedom

Kredit Koncepts is celebrating it’s 13th year helping Americans with credit recovery, credit building and credit protection. We have built a reputation for excellence by treating each client with empathy, as we diligently work to increase their credit score. Our honest application of experience and innovation has allowed us to keep our promise to thousands of clients.

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