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helps individuals take control of their credit by using federal consumer protection laws to dispute inaccurate, outdated, unverifiable, or misleading items on their credit reports.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 our clients by leveraging the law to correct credit reporting errors and educate them on building and maintaining strong credit health.

No, we are not lawyers and we do not provide legal advice. Kaironeek Financial is a credit services organization. While we use legal principles from consumer protection laws like the Fair Credit Reporting Act (FCRA), we do not represent clients in court or provide legal representation. If you need legal assistance, we recommend contacting a licensed attorney.

Yes, credit repair is 100% legal. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any item on your credit report that is inaccurate, outdated, incomplete, or unverifiable. Kaironeek Financial helps you legally exercise that right through our credit education and dispute services.

Many credit repair companies use generic templates or software-generated letters that don’t address the specific legal issues on your report. At Kaironeek Financial, we use a strategy-driven and legally informed process tailored to your credit file. We analyze your reports, identify violations, and draft custom dispute letters based on real consumer law.

To begin service, there is a one-time onboarding fee of $145, plus your first monthly package fee. We offer two packages: Silver Package at $129/month and Gold Package at $149/month. Your package level is based on the number and complexity of negative items on your credit report. The package details are listed on the website.

Yes. In order to monitor and analyze your credit, you must enroll in a credit monitoring service through one of our affiliate partners: SmartCredit or IdentityIQ. This service costs $19.99/month and is paid directly to the credit monitoring company — not to us. This service allows us to access your credit profile, and you can also use it to personally monitor your credit during the process.

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 off for that month. This means you will not be billed for work that has not been completed.

Yes, you can cancel our services at any time. Additionally, under federal law, you have the right to cancel the agreement within three business days of signing up and receive a full refund of any fees paid.

To begin service, you must submit:(1) a valid photo ID, ( preferably Driver License)(2) a recent utility bill, lease, or bank statement showing your current address, make sure the address on all these documents are the same. What we will provide(3) a service agreement you will need to fill out, privacy disclosure, CROA disclosures, CROA cancellation Notice.(4) enrollment in SmartCredit or IdentityIQ,(5) payment of your onboarding fee and first monthly payment after the dispute is sent off.

Once we receive all required information and payments, we:(1) access your credit reports via your monitoring account,(2) analyze and identify all items that may be inaccurate or in violation of law,(3) draft your first round of dispute letters, and(4) send the disputes to the relevant agencies. We will keep you updated and track changes month by month.

Each client’s situation is different. On average, clients begin seeing results in 4–6 months, though some may see progress much sooner. The timeline depends on the number of items, the bureaus’ response time, and the nature of the disputes. Some of our clients take longer than the average 4-6 months based on their situation and the response of the creditors and credit bureaus. Credit Repair is not a quick fix it requires patience. We usually don't work with clients who need quick fixes and lack patience.

We help challenge inaccurate or unverifiable items such as collections, charge-offs, late payments, repossessions, medical bills, student loans, public records, and inquiries. We do not dispute accurate and verifiable debts unless they contain legal reporting violations.

No. We use a strategic, step-by-step approach to avoid triggering 'frivolous dispute' flags by credit bureaus. Disputes are prioritized and rotated monthly to yield better and legally sound outcomes.

Yes, in some cases. However, the credit bureau must notify you within five days if they reinsert a deleted item, along with a justification. If this happens, we help you investigate and respond to the reinsertion. Some time they return because of certain practices of the Credit Bureaus in trying to circumvent the law because they fail to complete their investigation within the 30 days required by the FCRA.

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

Yes. We strictly follow the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Telemarketing Sales Rule (TSR). We do not charge for work before it is completed, and we do not use deceptive or dishonest tactics.

In compliance with the TSR, we reserve phone consultations for clients who have already signed our service agreement. We do this to remain compliant and efficient. This FAQ is designed to answer your questions before you commit.

Clients receive access to our secure client portal, regular updates, copies of all dispute letters, and appointment-based phone support. We are committed to keeping you informed and empowered throughout the process.

Yes. We provide helpful personal guidance to teach you how to build a positive credit history, including how to use secured cards, maintain low balances, and avoid score-damaging habits.

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

You’ll be able to view updates, deletions, and improvements through your SmartCredit or IdentityIQ dashboard, which is also the tool we use to manage your file and track results.

You're just a few steps away from starting your journey. To begin,(1) sign up through our website,(2) choose your credit monitoring provider and activate it,(3) upload your ID and address verification,(4) sign the agreement, and(5) pay your onboarding and first month’s fee after we send disputes.. We’ll take it from there!