Frequently Asked Questions

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Credit repair is the process of identifying and correcting inaccurate, unverifiable, or unfair negative items on your credit report. At King Credit Services, we take a strategic approach by:

• Disputing errors directly with credit bureaus, creditors, and secondary agencies like LexisNexis.
• Investigating potential violations under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).
• If violations are found, we escalate to legal action, which can result in removals, settlements, or compensation for you.
• Providing guidance to help you rebuild your credit for long-term financial success.

 We stand behind our process. While no one can guarantee specific results, we offer a unique three-round dispute strategy. Each round takes about 35 days. If your credit report sees no changes or improvements after three rounds, you’re eligible for a refund. Our goal is to deliver results that make a real impact on your financial future. 

 Yes, we dispute bankruptcies that are outdated, unverifiable, or reported inaccurately. Our process includes:

• Pulling records from PACER to verify court-reported information.
• Challenging the bankruptcy reporting with credit bureaus under FCRA rules.
• Sending legal challenges to LexisNexis and other secondary bureaus that hold bankruptcy data.
• In cases of reporting violations, we escalate to legal action for potential compensation and correction of your report.

Repossessions can severely impact your credit, but they often contain reporting violations. Our process includes:

• Verifying whether the lender followed proper repossession laws (many don’t!).
• Checking for missing notices or improper credit reporting under the Fair Credit Reporting Act.
• Disputing errors with credit bureaus and the lender.
• If violations are found, we escalate to legal action, which may result in removal, settlement, or compensation for you.

Yes! Outdated or incorrect personal information (old addresses, misspelled names, duplicate profiles) can link you to inaccurate credit data. Our process includes:

• Requesting deletion of old personal details directly with the bureaus.
• Challenging linked accounts tied to incorrect data.
• Ensuring a clean credit profile that only reflects your current and accurate information.

 Inquiries can lower your score, especially unauthorized ones. We dispute inquiries that:

• Are not tied to an actual credit application.
• Were made without your permission.
• Exceed legal limits or reporting timeframes.
• If violations are found, we escalate to legal action, which could lead to removal and potential compensation.

 Yes! Secondary bureaus like LexisNexis, CoreLogic, and Innovis collect data that impacts your credit. Our process includes:

• Reviewing their reports for errors or unauthorized records.
• Filing direct disputes under FCRA regulations.
• If violations are found, escalating to legal action for potential correction and compensation.

Yes, charge-offs often contain errors or legal violations. Our process includes:

• Checking for incomplete or inaccurate reporting.
• Verifying whether the original creditor followed proper charge-off reporting laws.
• If violations are found, we escalate to legal action, which could result in removal or compensation.

 Late payments can sometimes be removed if they were reported incorrectly. We investigate:

• Whether the lender followed proper reporting guidelines.
• If any violations of the FCRA or Truth in Lending Act (TILA) occurred.
• If violations are found, we escalate to legal action for correction and potential compensation.

Collections are a major factor in bad credit, but many contain violations. Our process includes:

• Validating whether the collection agency has proper documentation.
• Checking for illegal practices under FDCPA, such as harassment or misrepresentation.
• If violations are found, we escalate to legal action, which can result in removal and compensation for you.

Our BAD to Bankable Program is designed for entrepreneurs who need to fix personal credit and establish business credit. Over 3 to 12 months, we:

• Repair personal credit using our dispute-to-sue strategy.
• Guide you in setting up a strong business credit profile.
• Help you secure funding for your business.

 We assist active-duty service members and veterans in protecting and improving their credit. Our plan includes:

• Ensuring compliance with the Servicemembers Civil Relief Act (SCRA).
• Handling disputes while you’re deployed.
• Helping protect your security clearance by maintaining strong credit.

 Unlike standard dispute services, we take an aggressive legal approach by:

• Finding violations under FCRA, FDCPA, and TILA.
• Escalating disputes to legal action if violations are found.
• Holding creditors and debt collectors accountable, often leading to removals and compensation.

 We don’t guarantee specific results, but we do guarantee effort and strategy. Our dispute-to-sue process is more effective than traditional dispute methods, and our refund policy ensures that if no changes occur after three rounds, you get your money back. 

 Yes! No matter how low your score is, we can find violations, correct errors, and help you rebuild. Our approach ensures that even the worst credit situations have a path to improvement.