Frequently Asked Questions

Kaironeek Financial helps individuals take control of their credit by using federal consumer protection laws to dispute inaccurate, outdated, unverifiable, or misleading items on their credit reports. Our mission is to empower clients through the lawful correction of credit reporting errors and to educate them on maintaining strong credit health.

No. We are not lawyers and do not provide legal advice. Kaironeek Financial operates as a credit services organization using legal principles from the Fair Credit Reporting Act (FCRA), but we do not represent clients in court or provide legal representation. For legal assistance, please contact a licensed attorney.

Yes, credit repair is legal. Under the FCRA, you have the right to dispute inaccurate, outdated, incomplete, or unverifiable items on your credit report. Kaironeek Financial helps you exercise this legal right through credit education and dispute services.

Many companies use generic templates or software-generated letters. Kaironeek Financial uses a strategy-driven, legally informed process customized to your credit file: we analyze your reports, identify violations, and draft custom dispute letters based on actual consumer law principles.

Yes. We follow the Credit Repair Organizations Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Telemarketing Sales Rule. We don’t charge for incomplete work, and we avoid deceptive or dishonest tactics.

No. We do not sell tradelines, promote CPNs, or encourage the use of false information. These practices are illegal or unethical. We use only legally sound consumer law methods.

Yes. The law gives you the right to dispute errors on your own, for free, directly with the credit bureaus and the companies that reported the information. Our free dispute guide shows you how. Clients hire us for the time, experience, organization and follow-through a strategic dispute process takes.

No one is “too far gone” to learn their rights and start rebuilding. Some items can be challenged and some can’t, and our free assessment helps us look at your situation honestly. Even when an item is accurate, there is almost always a path forward through good habits and positive credit building.

In compliance with the TSR, we reserve phone consultations for clients who have already signed our service agreement. These FAQs, our step-by-step How to Sign Up (with pictures) guide, the chat on this website and our contact form are here to answer questions before you commit.

Send us a message from the Contact page or use the chat button in the corner of any page and choose “Talk to a person.” A member of our team will reply by email.

It’s a short, 3-step online form where you tell us about your credit goals and the items that concern you. It costs nothing, takes a few minutes, and doesn’t affect your credit score. We review it and let you know how we may be able to help. You can start it on the Get Started page.

No. Checking your own credit and signing up for our service do not create a hard inquiry and do not lower your score.

A valid photo ID (preferably a driver’s license); a recent utility bill, lease or bank statement showing your current address (matching across all documents); your signed service agreement, privacy disclosure, CROA disclosures and cancellation notice; SmartCredit or IdentityIQ enrollment; and payment of the onboarding and first monthly fees after your first disputes are sent.

A recent utility bill, lease, bank statement, insurance statement or official government mail that shows your full name and current address. It should be recent and match the address you give us and the one on your ID when possible. If you recently moved, send the newest document you have and tell us in a portal message.

No. Send your ID along with a current proof of address. The two documents together confirm who you are and where you live now.

The credit bureaus use your identifying information to find your file, so your dispute letters include the details the bureaus require. Please never type your Social Security number or full account numbers into website forms, chat or regular email. Your secure portal and your agreement explain exactly what is collected and how it’s protected.

Most people finish in one sitting when their ID and proof of address are handy. You can stop at any point and pick up where you left off. The How to Sign Up (with pictures) page walks you through every screen.

Create your account, select and activate a credit monitoring provider, upload your ID and proof of address, and sign your agreement. Your onboarding and first monthly fees are charged after your first disputes are sent.

After your free assessment, you’ll be invited to create your secure client portal account. You can sign up with Google, Apple, Yahoo or Microsoft, or with your email and a password. Every box is explained with pictures on the How to Sign Up (with pictures) page.

At least 10 characters, with at least one letter and one number, and it can’t include your email or username. A short phrase you’ll remember works well.

Yes. On the sign-in screen you can choose to have a one-time code emailed to you instead of typing a password. Codes last 10 minutes and work once.

It’s a second check each time you sign in — a code from an authenticator app, an email or a text message — so no one can get into your file with just your password. Because your portal holds personal documents, every account uses it.

Tap “Forgot password?” on the sign-in screen and we’ll email you a reset code. You can also choose “Email me a code” and sign in without a password.

For your protection, 5 wrong passwords in a row lock the account and we email you a reset code. Follow “Forgot password?” to choose a new password and you’re back in.

Tap Sign Out at the top of your portal. Always sign out when you use a shared or public computer.

Each person has their own private portal so their documents and file stay separate. If you choose the Couples package, each of you still signs in with your own account.

Federal law requires credit repair documents in a set order: first the “Consumer Credit File Rights Under State and Federal Law” statement, then your service agreement (where you choose your plan), then your Notice of Cancellation. You read and sign all of them online in your portal.

No printer needed. You type your full name to sign electronically, and it’s just as binding as a handwritten signature. You can download your signed copy at any time from your portal.

Yes. Federal law lets you cancel within three business days of signing for any reason, at no cost. Your Notice of Cancellation form explains exactly how. After that, you can still cancel the service at any time going forward.

Yes, services can be cancelled at any time. Federal law also lets you cancel your agreement within three business days of signing for a complete refund. After those three business days, no refunds are given.

The Credit Repair Organizations Act gives you the right to a written contract, a clear description of services, the right to cancel within three business days, and protection from being charged before services are performed. The FCRA gives you the right to see your reports and to dispute errors for free. Learn more in our Consumer Law section.

Yes. Your signed agreement and disclosures stay in your portal, with a “Download Your Copy” button, for as long as you’re a client.

Please message us first so we can make it right. You also always have the right to contact the Consumer Financial Protection Bureau, the Federal Trade Commission or your state attorney general. Links are on our Disclosures page.

To start, you pay the one-time onboarding (processing) fee plus your first monthly package fee — charged only after your first month’s disputes are sent. We offer Silver and Gold packages, determined by the number and complexity of negative items on your credit report, and a Couples package. Current amounts are listed in the Pricing menu at the top of this page.

To keep things simple and consistent, all current package amounts are kept in one place: the Pricing menu at the top of this page. Your exact totals are also shown in your service agreement before you sign.

The package depends on how many negative items are on your reports and how complex they are. After we review your reports, we’ll recommend the package that fits. You make the final choice in your agreement.

Credit monitoring enrollment through our affiliate partners SmartCredit or IdentityIQ is required. Its monthly fee is paid directly to the monitoring company. It lets us access your credit profile while you monitor your own progress.

In compliance with the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR), you are only charged after your disputes are prepared and sent for that month — so you are never billed for incomplete work.

No. The law doesn’t allow a credit repair company to charge before services are performed, and we don’t. Your first charge comes after your first disputes are sent.

Debit and credit cards, added securely in the Billing section of your portal. Card details go straight to our secure payment processor — our team never sees your full card number.

Sign in, open Billing, and add your new card. Check the authorization box first — the Add Card button stays gray until you do.

We’ll let you know by email and in your portal so you can update your card. There is no late fee. If your account is placed on hold because of non-payment, work on your file pauses, and a reactivation fee applies to restart it, along with that month’s payment. The reactivation fee is spelled out in your agreement.

Refunds are available only within the three-business-day cancellation window after you sign your agreement. If you cancel in that window, you receive a complete refund. After those three business days, no refunds are given. You can still cancel your service at any time going forward.

We work from your current three-bureau credit reports. A monitoring service gives you (and us) up-to-date reports and scores, and shows you changes as they happen.

SmartCredit or IdentityIQ. The link to create your monitoring account is in your portal under My Credit Reports. The monitoring fee is paid directly to the monitoring company.

In your monitoring account, choose Print or Download to save your report as a PDF, then in your portal open My Credit Reports, choose the file, and tap Add My Report. The How to Sign Up (with pictures) page shows each button.

Monitoring is required while we are actively disputing, because we need current reports to track results. After your service ends, it’s your choice to keep it.

Yes. You can get free credit reports from Equifax, Experian and TransUnion every week at AnnualCreditReport.com — the official site created by federal law. Free reports don’t include scores.

There are many scoring models and versions, and each bureau’s report can differ slightly. Lenders may use a different model than the one you see. Focus on the trend over time. Learn more in How Credit Scores Work.

Progress updates, deletions and improvements show in your SmartCredit or IdentityIQ dashboard, which we also use for file management and result tracking — and in your Kaironeek client portal.

Sign in and open My Documents. Files must be PDF, JPG, PNG or WEBP and under 10 MB each, up to 5 at a time. Take photos in good light, flat on a table, with all four corners showing.

Your portal uses encrypted connections, two-step sign-in, and private document storage that only you and our team can see. Every upload is checked for viruses. See our Privacy Policy for full details.

Please don’t. Regular email isn’t secure. Your portal is the safe way to send documents to us.

No. We don’t sell your personal information. We share it only as needed to provide your service — for example, with the credit bureaus in your disputes — and as our Privacy Policy describes.

Yes. Copies of your dispute letters and the responses we receive are shared in your portal under My Documents.

Take a clear photo or scan of every page, including the envelope if it shows a date, and upload it to My Documents. Bureau responses are an important part of your file.

After we receive all required information, we access your credit reports, analyze them and identify potentially inaccurate or legally deficient items, draft your initial dispute letters, and send disputes to the relevant agencies — with monthly tracking and updates.

We challenge inaccurate or unverifiable items including collections, charge-offs, late payments, repossessions, medical bills, student loans, public records, and inquiries. We do not dispute accurate, verifiable debts unless they contain legal reporting violations. See Credit Problems We Help With.

No. We use a strategic, step-by-step approach, prioritizing and rotating disputes monthly to avoid frivolous-dispute flags and to achieve better, legally sound outcomes.

Generally 30 days from receiving a dispute (up to 45 days in some situations, such as when you send more information during the investigation). They must send you the results in writing within 5 business days of finishing.

Depending on the item, disputes go to the credit bureaus (Equifax, Experian and TransUnion), the company that reported the information (the “furnisher”), or a debt collector. Sometimes a complaint to a government agency is also appropriate.

A round is one cycle of disputes: letters go out, the bureaus investigate, and we review the results before planning the next step. Each round builds on what the last one revealed.

When it helps your case, yes — for example, to request validation of a debt or proof of how an account was reported.

That’s your decision, and it depends on your goals. Paying a debt doesn’t automatically remove it from your report. Talk with us through your portal before you pay, settle or sign anything with a collector, so we can explain how it may affect your disputes.

In some cases, yes. If a credit bureau reinserts a deleted item, it must notify you in writing within five business days. We investigate and respond to reinsertions, including when a bureau did not complete its required FCRA investigation.

“Verified” means the bureau says the reporting company confirmed it. You have the right to ask how it was verified. Depending on the facts, the next round may take a different approach, go to the furnisher directly, or involve a complaint.

On average, clients begin seeing results in 4–6 months, though some may see progress sooner. Timelines vary based on the number of items, bureau response times, and the nature of each dispute. Credit repair requires patience, and we typically avoid working with clients looking for quick fixes.

No. We do not and cannot legally guarantee the removal of any specific item or a particular score improvement. What we do guarantee is that we will carry out disputes using lawful methods and our best efforts.

Accurate, verifiable information can legally stay on your report for its full reporting period. What the law requires is that everything reported be accurate, complete and verifiable — and that’s where disputes focus.

Scores are calculated from your whole report. Removing an old account can change your average account age or your mix of credit, and new balances or late payments can outweigh a deletion. Scores often move up and down before settling.

No instant fixes: credit repair requires time and patience. Ongoing costs: monthly service and credit monitoring fees continue while disputes are active. Accurate items: accurately reported items may not be removable. Your habits matter: good financial practices are needed to keep and build on results.

That depends on the lender’s requirements and your full credit picture. Our homebuyer and auto loan readiness guides explain what lenders look at. We recommend waiting to apply for new credit until we advise that your file is ready.

Please check with us first. Closing old cards can raise your utilization and shorten your credit history, and new applications create hard inquiries. Usually it’s best to keep things steady and pay every bill on time.

Yes. We provide personal guidance on building positive credit history, including secured card use, keeping balances low, and avoiding damaging financial habits.

It’s how much of your available credit card limits you’re using. Lower is better — many people aim to stay under 30%, and under 10% is even better. Try our utilization calculator.

Paying on time and keeping card balances low matter most, followed by the age of your accounts, your mix of credit, and new applications. Learn more in How Credit Scores Work.

Visit our Learn section, Consumer Law guides, free Credit Tools, and blog. Our glossary explains common credit terms in plain English.

Most negative information, such as late payments, collections and charge-offs, can be reported for up to 7 years (for collections and charge-offs, measured from the original delinquency). A Chapter 7 bankruptcy can be reported for up to 10 years; a completed Chapter 13 is generally removed after 7. Hard inquiries stay for 2 years.

Yes. After bankruptcy, accounts included in it are often reported incorrectly — still showing balances, still showing as past due, or missing the “included in bankruptcy” notation. Those errors can be disputed. See Bankruptcy.

Under Section 605B of the FCRA, once a bureau receives an identity theft report, proof of your identity and a list of the fraudulent items, it must block that information within 4 business days. You can also place a free fraud alert or security freeze. Report identity theft at IdentityTheft.gov. See Identity Theft.

Under the credit bureaus’ own policies, paid medical collections and medical collections with an original balance under five hundred dollars no longer appear on reports, and unpaid medical collections must wait at least one year before appearing. Other medical accounts can still be disputed if they’re inaccurate. See Medical Debt.

We can dispute student loan reporting that is inaccurate — for example, wrong balances, wrong late-payment dates, or duplicate accounts after a transfer. Federal programs such as loan rehabilitation may also help. See Student Loans.

Yes, if the reporting is inaccurate or incomplete — such as an incorrect deficiency balance, wrong dates, or missing sale information. See Repossessions and Foreclosure.

The three major credit bureaus stopped including civil judgments and tax liens on consumer credit reports in 2017 and 2018. If one still appears on your report, that’s something we can look at.

Yes. You can place a free active-duty alert on your credit file, and the Servicemembers Civil Relief Act (SCRA) provides protections such as an interest-rate cap on debts from before your service. See SCRA.

Under the Fair Debt Collection Practices Act, collectors can’t harass you, lie to you, or call at unreasonable hours. You have 30 days after their first notice to dispute the debt in writing, and they must stop collecting until they verify it. See FDCPA.

Hard inquiries you authorized are generally accurate, but ones you didn’t authorize can be disputed. Inquiries usually affect your score for about a year and stay on your report for 2 years. See Hard Inquiries.

You receive secure portal access, regular updates, copies of your dispute letters, and phone support — so you stay informed and empowered throughout the process. Current clients can call us, and anyone can call with basic questions.

See your agreement, dispute progress and updates; send and receive secure messages; upload and download documents; add your credit reports; manage billing; and ask the portal assistant questions about your own file.

Open Messages in your portal and type your note. You’ll get an email when we reply, and the conversation stays in your portal.

We post updates in your portal and send you an email when there’s news — a new update, a new document, a reply, or a billing notice.

Yes. Current clients can call us at (857) 220-7818 during business hours, and so can anyone with a basic question. If we miss your call, leave a message or send a note from Messages in your portal and we’ll get back to you.

We’d be grateful. From your portal you can leave a written or short video review of your experience. You can also read client stories on our Reviews page.

Yes — thank you! Send them to our website to take the free assessment, and let us know in a portal message who you referred.

Yes. Our Referral Partners program lets you send clients to us and follow their progress (with their permission). Each client can be connected to only one referral partner.

Yes. See our Outsourcing page to learn how partners submit client files and updates through the partner portal.

Our How to Sign Up (with pictures) page has a picture of every screen with small red numbered arrows showing exactly what goes in each box, plus fixes for common problems.

Wait two minutes, then check your Spam, Junk and Promotions folders and search your email for “verification code.” Still nothing? Tap “Send a new code” and use the newest email.

Files must be PDF, JPG, PNG or WEBP, under 10 MB each, up to 5 at a time. If a photo is too large, take it again at a lower setting or send a screenshot of it.

Refresh the page and try a current version of Chrome, Safari, Edge or Firefox. Turn off pop-up blockers for our site if a window won’t open.

Send us a message from the Contact page or use “Talk to a person” in the website chat. Current clients can message us from their portal.