King Credit Services uses a hybrid dispute model backed by federal law, attorney escalation, and coverage across 10 credit reporting agencies to deliver real FICO score results. Not credit karma. Not estimates. Real scores.
Not a quick fix. A permanent transformation designed to clean your past, protect your present, and build your future.
We challenge inaccurate, misleading, and unverifiable negative items across all 10 credit reporting agencies using federal consumer protection law including the FCRA and FDCPA.
Monitor every change in real time through your 24/7 client portal. Score updates every 35 days so you always know exactly where you stand.
Credit education, score maximization strategies, and builder account recommendations so your score keeps climbing long after we are done.
Most companies dispute with the three major agencies and call it a day. We go further.
Every dispute we send is grounded in the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and other federal statutes that protect consumers.
When agencies refuse to correct errors, we escalate to our attorney network for demand letters, intent to sue notices, and litigation.
We combine direct agency disputes, creditor interventions, and legal escalation into one seamless process that maximizes deletions.
Disputes sent via certified mail create a legal paper trail that holds agencies accountable to federal response timelines.
We file formal complaints with the Consumer Financial Protection Bureau to escalate non-compliant agencies and creditors at the federal level.
Beyond Equifax, Experian, and TransUnion, we cover LexisNexis, CoreLogic, ChexSystems, SageStream, ARS, Innovis, and EWS (Early Warning Services).
Every plan includes a full credit audit, client portal access, and score monitoring. Pick the level that matches your goals.
Military: $100 off Silver, Gold, or Platinum. Spouse: $50 off each plan.
Use code MILITARY or SPOUSE at checkout.
Hear from clients who transformed their credit and their lives with King Credit Services.
"I had 7 collections and 2 charge-offs dragging my score down to the low 400s. Within 90 days they got 6 of them removed. My TransUnion went from 448 to 691. These guys are the real deal."
"I was skeptical at first because I had tried two other credit repair companies. King Credit was completely different. They actually explained the law behind every dispute and kept me updated every step of the way."
"Got approved for my first home after working with King Credit for 5 months. My score went from 520 to 718 across all three agencies. The attorney escalation made all the difference."
"The Platinum plan was worth every penny. They handled my eviction record, ChexSystems, and all my collections. I can finally open a bank account again and my credit is above 700 for the first time ever."
"Fast, professional, and actually delivered results. First round came back with 4 deletions in 35 days. My dedicated manager called me personally to walk through every update. Highly recommend Gold or above."
"I was dealing with a medical collection that was completely inaccurate. They filed a CFPB complaint and it was gone within 45 days. My Equifax jumped 142 points. I cannot thank them enough."
"They helped me and my wife both get on the Platinum plan with the spouse discount. Between the two of us we had 19 negative items. After 4 months, 15 are gone. We are closing on our house next month."
"What sold me was the attorney backing. When Experian ignored my disputes twice, King Credit escalated to their attorney and within 3 weeks Experian removed every item. Other companies would have just sent another letter."
"I had 7 collections and 2 charge-offs dragging my score down to the low 400s. Within 90 days they got 6 of them removed. My TransUnion went from 448 to 691. These guys are the real deal."
"I was skeptical at first because I had tried two other credit repair companies. King Credit was completely different. They actually explained the law behind every dispute and kept me updated every step of the way."
"Got approved for my first home after working with King Credit for 5 months. My score went from 520 to 718 across all three agencies. The attorney escalation made all the difference."
"The Platinum plan was worth every penny. They handled my eviction record, ChexSystems, and all my collections. I can finally open a bank account again and my credit is above 700 for the first time ever."
"Fast, professional, and actually delivered results. First round came back with 4 deletions in 35 days. My dedicated manager called me personally to walk through every update. Highly recommend Gold or above."
"I was dealing with a medical collection that was completely inaccurate. They filed a CFPB complaint and it was gone within 45 days. My Equifax jumped 142 points. I cannot thank them enough."
"They helped me and my wife both get on the Platinum plan with the spouse discount. Between the two of us we had 19 negative items. After 4 months, 15 are gone. We are closing on our house next month."
"What sold me was the attorney backing. When Experian ignored my disputes twice, King Credit escalated to their attorney and within 3 weeks Experian removed every item. Other companies would have just sent another letter."
Everything you need to know before getting started.
We start with a full credit audit across all three major credit reporting agencies plus seven additional agencies. We identify inaccurate, misleading, or unverifiable items and challenge them using federal consumer protection laws including the FCRA and FDCPA. If agencies fail to respond or correct errors, we escalate to attorney demand letters and litigation.
Most clients see their first deletions within 35 days. Full results typically take 3 to 6 months depending on the complexity of your credit profile and the number of items being disputed.
Silver, Gold, and Platinum plans include our 6-month guarantee. If you see zero improvement after 6 months of full compliance with the program, you are eligible for a full refund. We stand behind our work because our process is built on federal law, not generic templates.
Gold includes everything in Silver plus a dedicated account manager, phone disputes, motion defense, and strategy calls. Platinum adds coverage for evictions, child support, public records, ChexSystems, CoreLogic, business credit guidance, certified mail on every round, and two strategy calls with the owner.
Yes. Our Platinum plan covers public records including bankruptcies. We challenge inaccurate reporting of bankruptcy details, ensure dismissed bankruptcies are properly reflected, and help rebuild your credit profile after discharge.
We use MyScoreIQ for real FICO score monitoring across all three credit reporting agencies. Unlike free services that show VantageScore estimates, MyScoreIQ provides the actual FICO scores that lenders use to make decisions.
No. We handle collections as part of our dispute process. Paying or settling a collection before disputing can actually reset the reporting clock and hurt your score. Let us evaluate the best strategy for each account before taking any action.
Industry-recognized credentials, legal compliance, and verified client satisfaction.
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