My Name Is CoachKeem
My name is CoachKeem and I help consumers like yourself challenge negative information on their credit reports. I use a combination of dispute techniques. However, I can not legally guarantee any credit score increases or deletions (see CROA - Credit Repair Organization Act). This does not mean you will not see an increase or deletions. My policy is that if after 6 months, you don't see ANY results, I will give you a full refund.
Get Started Below!
I use a combination of the Metro2/factual dispute method and the Fair Credit Reporting Act to draft the letters to challenge inaccurate information on your credit report.
If after 3 to 4 rounds of disputes, the credit bureaus continue to verify or not correct/delete the accounts we dispute, then we accelerate the dispute process to a consumer law attorney to help you file suit against the bureaus for FCRA violations and other claims.
There Are So Many Reasons To Fix Your Credit!!!
Lower interest rates
A higher credit score can help you qualify for lower interest rates on credit cards, loans, and mortgages. This can save you thousands of dollars in interest payments over time.
Increased job opportunities
Some employers check credit scores as part of the hiring process. A better score can give you an edge over other candidates and improve your chances of getting hired.
Improved access to credit
Lenders are more likely to approve your application for credit if you have a good credit score. This means you'll have more options and greater flexibility when it comes to borrowing money.
Greater financial security
With a solid credit score, you'll have an easier time getting approved for loans and credit cards in case of emergencies. This can provide you with a financial safety net and peace of mind.
Better insurance rates
Insurance companies often use credit scores to determine rates. With a higher score, you may be able to qualify for lower premiums on auto, home, and other types of insurance.
Improved quality of life
A higher credit score can lead to a better overall quality of life. With access to better credit and lower interest rates, you'll have more money to put towards the things that matter most to you, such as travel, education, or home improvements.
To get started, make your initial payment/deposit of $199 (work fee) plus first month fee of $167 (totaling $366 to start) and submit your contact information. You will then be contacted by my team to sign your agreement, review further instructions and set up your client portal to track and monitor your progress.
Give us up to 72 hours to contact you about setting up your client portal. If we are unable to contact you in 72 hours after making your deposit to get stared, then you entire initial deposit of $366 will be refunded to you.
After making your initial deposit of $199 (work fee) plus first month fee of $167 (totaling $366 to start) to start, and we have everything we need from you to begin the process, we will begin working on your disputes each month (every 30 to 45 days) you will then be billed/invoiced every 30 days for $167 for the remaining months that you are an active client.
If at any time you pause or stop making your monthly payments, then we pause/stop working on your file until you continue making your monthly payments. You can pause or stop making payments at any time or even cancel your services with us at no additional charge (no cancellation fee)
You will need a minimum of at least 3 negative items/accounts that need to be disputed to qualify.
Results vary per client as each credit report is different and contains a different number of accounts that need disputing.
I use Artificial Intelligence to help draft your letters so that each one is unique.
The Process
1
Purchase your 3 Bureau credit report from IdentityIQ (if you don't already have one) and sign up for a free analysis. We will need access to your credit monitoring to be able to properly identify the accounts that need disputing and the corresponding information we need to use in order to get the account deleted. Then make your payment and provide the info we need to create your client portal.
3
Call and update your personal information with your current lenders and the credit bureaus as well as freeze your secondary bureau reports. If you have a bankruptcy then you will want to create an account with PACER and request your reports from LCI and LexisNexis.
5
If you do not have enough revolving and installment accounts as well as age, then add credit cards, loans (the right kind) and Authorized User accounts (1 to 2) to your credit profile to build it out for higher limit approvals and funding.
2
Once you purchase your report and make your payment, you will provide your personal information that we need to create your client portal to track and monitor your progress. From there you will get an email to set up your portal, choose your digital signature, sign your agreement, upload your I.D., proof of address and other documents.
4
Bring all late accounts current and pay down any high credit card balances to lower your utilization ratio. Also use CaochKeem's Inquiry Removal Guide to call and remove any hard inquiries NOT connected to open accounts.
6
Once step 3 is completed by you then we can start to put together your dispute letters to send to the bureaus and your lenders challenging any negative accounts on your credit file to be deleted.
At the bottom of the page are some questions that are most often asked by those who visit our website and are looking for clarity on how our program works.
Important Disclaimer
It's important to note that not all items may not be removed from a credit report and the success of removing items can vary. Factors such as the type of negative item, the length of time it has been on your credit report, and the credit bureau's policies can impact the success of removing items. We simply assist you in determining which items may be removed and help you dispute them.