Your Credit. Your Control.
Get Your F R E E 3 IN 1 CREDIT REPORT & SCORES
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.
Free Credit Consultation
Unlock Your Financial Potential with Kredit Koncepts
At Kredit Koncepts, we believe that a strong credit foundation is the key to unlocking financial opportunities. Whether you're planning to Buy A Home, Start A Business, or simply want to Improve Your Credit Score, knowing where you stand is the first step.
Featured Services
Empowering You with Loan Knowledge and Comparison Tools
We are dedicated to providing you with valuable services that simplify your loan search and empower you to make informed borrowing decisions. Our comprehensive range of services
Business Credit Builder
Crucial for accessing financing, establishing vendor relationships, and securing favorable...
Why Choose Us
Your Credit. Your Control.
Our FREE consultation report provides an overview of your credit as potential lenders see it today. It lists the items that are negatively affecting your score and explains how we use the power of the law to improve your credit. It also includes a simple step-by-step plan for you to speed up the process.
- Credit Score Basics
- Your Credit Scores and Summary
- Analysis of Your Accounts
- An Overview of Our Process
Empowering To Support
Empowering Financial Futures with Education, Protection, and Community Support
Our holistic approach ensures that everyone has the opportunity to achieve financial success and build a secure future.
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Equifax Complete Premier
Identity Theft Insurance
- 3-Bureau Credit Monitoring
- Credit Score Tracking
- Identity Theft Protection
- Credit Report Lock
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Kid Kredit
Protecting Our Youth
- Book: "Who Stole My Identity?"
- BusyKid App
- Visa Spend Card
- Financial Literacy Curriculum
Our Working Process
Our Process to Credit Recovery
Our simple process is designed to make your credit recovery seamless.
Free Consultation
Begin with a free, no-obligation consultation where we thoroughly analyze your credit reports from all three major bureaus (Equifax, Experian, and TransUnion).
Choose Your Package
Select the package that best aligns with your credit recovery requirements, whether you need basic cleanup or comprehensive credit building and protection services.
Payment and Guaranteed Results
Complete the payment process easily and securely to activate your chosen credit recovery package and receive your client portal to track your results.
Upkeep & Education
Achieving a healthy credit profile is easy with our streamlined approach coupled with the knowledge on how to maintain your credit will guarantee results.
Business Credit
Go from small to BIG by building business credit.
95% Of Business Owners Make This Mistake!!! Don’t Use Your Personal Credit to Support Your Business Build Your Company’s Business Credit
Two Profiles
Have the luxury of controlling two credit profiles (business and personal profile).
PAYDEX
We will help you build a solid 80 PAYDEX Score equivalent to a 720 FICO score.
Start-Up Funding
Great for Start-ups or better for seasoned businesses.
DUNS Number
Business Credit is used under the business EIN (Tax ID #).
Calculator
Result
Loan 01
Loan 02
MORE: Learn about the pros and cons of a shorter-term mortgage or how to get preapproved for a mortgage.
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Loan Calculators
Empower Yourself with Accurate Loan Estimates
Our loan calculators are powerful tools designed to assist you in making informed financial decisions. Whether you're planning a major purchase, estimating monthly payments
- Loan Payment Calculator
- Amortization Calculator
- Affordability Calculator
- Interest Calculator
Client Testimonials
Success Stories Shared by Our Customers
"Real Results. Real People. Real Success."
Frequently Asked Questions
Find Answers to Common Questions
We've compiled a list of frequently asked questions to provide you with quick and helpful answers. If you have a question that is not addressed below
Kredit Koncepts provides a range of services including credit recovery, credit building, inquiry removal, seasoned tradelines, and business credit services. We also offer specialized packages for owning a home, buying a car, starting a business, getting out of debt, and securing a loan.
Start by scheduling a free consultation where we will analyze your credit reports from all three major bureaus and provide a personalized credit recovery plan.
Our credit recovery process involves analyzing your credit reports, removing negative items, and providing personalized strategies to improve your credit score.
Our credit recovery services typically show results within 30 to 45 days.
The Monthly Credit Builder focuses on basic credit cleanup with unlimited monthly disputes and credit monitoring. The Monthly Credit Builder Plus includes additional services like debt settlement assistance and 3-bureau score monitoring.
Seasoned tradelines add positive payment history and low credit utilization to your credit report, quickly enhancing your credit profile.
The Owning a Home Package includes credit analysis and repair, seasoned tradelines, mortgage preapproval assistance, tax preparation, explanation letters, bank comparable, and continuous credit monitoring.
The Starting a Business Package includes entity formation, credit builder plus, business credit building, seasoned tradelines, funding education, vendor and supplier relationships, and credit monitoring.
Our Inquiry Removal Service helps remove unwanted hard inquiries from your credit reports at all three major bureaus, which can improve your credit score.
In some cases, inquiries can be removed in as fast as 7 days.