Free Credit Consultation
Get a free personalized credit analysis including credit report review, score breakdown, dispute strategy, and a custom action plan.
✅ No obligation
✅ 100% confidential
✅ Trusted by real clients
How it works
Step 1: Book your free consultation.
Step 2: We analyze your full credit report and scores.
Step 3: We dispute inaccurate negative items.
Step 4: You track progress with a personalized action plan.
Credit Analysis
Gain insights into your credit health with our comprehensive credit analysis service. Understand your credit report and scores to make informed financial decisions.
Dispute Resolution
Let us handle the complexities of disputing inaccurate negative items on your credit report. We work diligently to rectify errors and improve your credit profile.
Personalized Guidance
Receive tailored guidance throughout your credit repair journey. We provide you with a customized action plan to help you achieve your credit goals efficiently.
Client Portal
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Real-time credit report updates
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Secure document uploads
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Dispute progress tracking
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Personalized action plans
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Monthly score monitoring
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Client–advisor messaging
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Full data privacy & protection
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24/7 access from any device
$99/Month
Credit Repair Program
Everything You Need to Fix & Build Credit
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Full credit report review & score analysis
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Monthly dispute management with all three bureaus
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Removal of inaccurate, outdated, or unverifiable items
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Personalized credit-building strategy
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Ongoing credit education & optimization guidance
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24/7 client portal access with real-time updates
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Monthly progress tracking & score monitoring
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Secure document uploads & dispute history
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Direct messaging & support access
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No long-term contracts — cancel anytime
Testimonials
Real results from real clients who trusted us to transform their credit.
Ashley T. – Miami, FL
I tried fixing my credit myself for years with no results. Within the first 60 days with Klotz Credit Services I saw real changes on my report.
Jessica R. – Orlando, FL
Klotz Credit Services helped me remove 6 negative accounts in just a few months. My score jumped over 90 points and I finally got approved for a car loan!
Marcus D. – Tampa, FL
I was overwhelmed and didn’t know where to start. They explained everything step by step and handled the disputes for me. Super professional and responsive.
Frequently Asked Questions
Is credit repair legal?
Yes. Credit repair is legal under the Fair Credit Reporting Act (FCRA). You have the legal right to dispute inaccurate, outdated, incomplete, or unverifiable information on your credit report.
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How long does credit repair take?
Most clients begin seeing changes within 30–60 days. Full results typically take 3–6 months or longer depending on the amount and type of negative items on your credit profile.
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What’s included in the $99/month program?
Your program includes a full credit report review, monthly dispute processing, credit-building guidance, client portal access, and ongoing support while you are actively enrolled.
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Do you guarantee results or specific score increases?
No. No credit repair company can legally guarantee specific results or score increases. Credit outcomes vary based on individual credit history and circumstances.
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Can I cancel my membership at any time?
Yes. You are billed month-to-month and may cancel at any time with no long-term contracts or penalties.
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Which credit bureaus do you work with?
We work with all three major credit bureaus: Experian, Equifax, and TransUnion.
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Will this instantly raise my credit score?
No. Credit repair is a process. Score improvements occur as negative items are removed and positive credit habits are established over time.
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Can you remove bankruptcies, repossessions, or collections?
If an item is inaccurate, outdated, incomplete, or unverifiable, it may be eligible for removal. If an item is fully accurate and properly verified, it may remain on your report.
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Do you contact my creditors directly?
We primarily work through the credit bureaus using legally compliant dispute methods. In some cases, additional recommendations may be provided.
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What if I have no credit history at all?
We provide guidance on building credit from scratch using starter cards, authorized user strategies, and proper utilization and payment practices.
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Is my personal information secure?
Yes. Client information is handled using secure systems and strict privacy standards to help protect your data.
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Can I repair my credit myself instead of hiring a company?
Yes, you can dispute items on your own. Many clients choose professional assistance to save time, avoid errors, and ensure proper compliance with credit laws.
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How do I get started?
Simply complete your signup, and we’ll begin your credit analysis and onboarding process right away.
Klotz Credit Services does not guarantee specific credit score increases or removals. Results vary based on individual credit history. Services are provided in compliance with the Fair Credit Reporting Act (FCRA).