WELCOME TO KAIRONEEK FINANCIAL

Each situation is different, but most of our customers see results within 60-90 days. However, the key to successful credit repair is time and patience. Credit repair is not an overnight quick fix.Finally, legally we cannot guarantee any results to any customer before the work is done.

No two credit histories are the same. That said, depending on the situation, we've seen increases as large as 200+ points. 

First, we'll evaluate your credit history and dispute any incorrect findings. Then, we'll prioritize the actions that will improve your credit score the fastest.

35% – Payment History

30% – Debt Ratio

15% – Length of Credit History

10% – Types of Credit

10% – Number of Credit Inquiries

The percentages in this chart show how important each of the categories is in determining your Credit score. We will help you to remove negative items from your payment history. We will also show you how to maximize your debt ratio score, even if paying off credit cards is not an option.

Credit bureaus collect and sell four basic types of information:

    1: Identification and employment information

    Your name, birth date, Social Security number, employer, and spouse’s name are routinely recorded in your credit report. They may also provide information about your employment history, home ownership, income, and previous address, if a creditor requests this type of information.

    2: Public record information

    Events that are a matter of public record, such as bankruptcies, foreclosures, or tax liens, may appear in your   report.

    3: Inquiries

    CRAs must maintain a record of all creditors who have asked for your credit history within the past year. It is generally beneficial to keep the number of inquires as low as possible.

    4: Payment history

    Your accounts with different creditors are listed, along with the balances, high balances, and outstanding balances. Related events, such as referral of an overdue account to a collection agency, charge off accounts or other delinquencies may also be noted.

Always pay your bills on time!

- Don’t close old accounts!

- Don’t apply for any new credit!

- Don’t ever use more than 30% of your available credit on each credit card!

If you are denied credit, the Equal Credit Opportunity Act requires that the creditor give you a notice that tells you the specific reasons your application was rejected or the fact that you have the right to learn the reasons if you ask within 60 days. Indefinite and vague reasons for denial are illegal, so ask the creditor to be specific. Acceptable reasons include: “Your income was low” or “You haven’t been employed long enough.” Unacceptable reasons include: “You didn’t meet our minimum standards” or “You didn’t receive enough points on our credit scoring system.”

If a creditor says you were denied credit because you are too near your credit limits on your charge cards or you have too many credit card accounts, you may want to reapply after paying down your balances or closing some accounts. Credit scoring systems consider updated information and change over time.

If you’ve been denied credit, or didn’t get the rate or credit terms you want, ask the creditor if a credit scoring system was used. If so, ask what characteristics or factors were used in that system, and the best ways to improve your application. If you get credit, ask the creditor whether you are getting the best rate and terms available and, if not, why. If you are not offered the best rate available because of inaccuracies in your credit report, be sure to dispute the inaccurate information in your credit report.