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WELCOME TO KAIRONEEK FINANCIAL

WELCOME TO KAIRONEEK FINANCIAL WELCOME TO KAIRONEEK FINANCIAL WELCOME TO KAIRONEEK FINANCIAL

The best place to find your financial confidence!

Book A Free Consultation

WELCOME TO KAIRONEEK FINANCIAL

WELCOME TO KAIRONEEK FINANCIAL WELCOME TO KAIRONEEK FINANCIAL WELCOME TO KAIRONEEK FINANCIAL

The best place to find your financial confidence!

Book A Free Consultation
You can also purchase our DIY credit repair ebooks
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Why Repair Credit?

Good credit is essential for financial success. With a good credit score, you can qualify for loans and credit cards with favorable terms and low interest rates. This means you can save money on interest payments, have more financial flexibility, and be able to afford the things you need and want. credit repair credit score monitoring

How It Works

Our service includes your private assessment, contacting creditors on your behalf, sending documentation back and forth, and more. We have been trained on recent laws, statutes, and credit reporting practices. We also know what items on your report affect your score the most. 

Why Us?

A low credit score can keep you from the things you want. But did you know a low credit score can impact a lot more than just financing? Do the best thing you can do for your future. Call us today and let our experience save you time, money, and frustration. credit repair credit score monitoring

Get Credit Monitoring and Your 3B Credit Reports & Scores

With the increased risk of identity theft and credit fraud, it's more important than ever to know what's happening with your credit at all times. While reviewing your full credit report throughout the year is a great way to stay on top of your credit, your financial information needs all the protection you can give it.

With a credit monitoring service you can trust, not only will you be able to receive your credit reports and scores easily, you will also be notified if any suspicious or unauthorized activity occurs on your credit report.

With SmartCredit®, our goal is to provide you with a simple platform for your money and credit all in one place, and with innovative tools to help you rest assured that your credit accounts are being monitored 24/7.

With tools such as ScoreTracker, ScoreBuilder®, and ScoreBoost™, it's now easier than ever to track all your scores and see what's helping or hurting your credit score. Also, use our Action buttons to communicate directly with your creditors, so you can better control your future credit score.

Take a look at some of the innovative credit monitoring tools we offer. credit repair credit score monitoring

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We get to work repairing your credit.

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

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.

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.

  

Kaironeek Financial helps individuals take control of their credit by using federal consumer protection laws to dispute inaccurate, outdated, unverifiable, or misleading items on their credit reports. Our mission is to empower our clients by leveraging the law to correct credit reporting errors and educate them on building and maintaining strong credit health.

  

No, we are not lawyers and we do not provide legal advice. Kaironeek Financial is a credit services organization. While we use legal principles from consumer protection laws like the Fair Credit Reporting Act (FCRA), we do not represent clients in court or provide legal representation. If you need legal assistance, we recommend contacting a licensed attorney.

  

Yes, credit repair is 100% legal. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any item on your credit report that is inaccurate, outdated, incomplete, or unverifiable. Kaironeek Financial helps you legally exercise that right through our credit education and dispute services.

Many credit repair companies use generic templates or software-generated letters that don’t address the specific legal issues on your report. At Kaironeek Financial, we use a strategy-driven and legally informed process tailored to your credit file. We analyze your reports, identify violations, and draft custom dispute letters based on real consumer law.  

Many credit repair companies use generic templates or software-generated letters that don’t address the specific legal issues on your report. At Kaironeek Financial, we use a strategy-driven and legally informed process tailored to your credit file. We analyze your reports, identify violations, and draft custom dispute letters based on real consumer law.

To begin service, there is a one-time onboarding fee of $145, plus your first monthly package fee. We offer two packages: Silver Package at $129/month and Gold Package at $149/month. Your package level is based on the number and complexity of negative items on your credit report. The package details are listed on the website.

Yes. In order to monitor and analyze your credit, you must enroll in a credit monitoring service through one of our affiliate partners: SmartCredit or IdentityIQ. This service costs $19.99/month and is paid directly to the credit monitoring company — not to us. This service allows us to access your credit profile, and you can also use it to personally monitor your credit during the process.

In compliance with the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR), you are only charged after your disputes are prepared and sent off for that month. This means you will not be billed for work that has not been completed.

Yes, you can cancel our services at any time. Additionally, under federal law, you have the right to cancel the agreement within three business days of signing up and receive a full refund of any fees paid.

To begin service, you must submit:
(1) a valid photo ID, ( preferably Driver License)
(2) a recent utility bill, lease, or bank statement showing your current address, make sure the address on all these documents are the same. 

What we will provide

(3) a service agreement you will need to fill out, privacy disclosure, CROA disclosures, CROA cancellation Notice
(4) enrollment in SmartCredit or IdentityIQ,
(5) payment of your onboarding fee and first monthly payment after the dispute is sent off.

Once we receive all required information and payments, we:
(1) access your credit reports via your monitoring account,
(2) analyze and identify all items that may be inaccurate or in violation of law,
(3) draft your first round of dispute letters,
(4) send the disputes to the relevant agencies. We will keep you updated and track changes month by month.

Each client’s situation is different. On average, clients begin seeing results in 4–6 months, though some may see progress much sooner. The timeline depends on the number of items, the bureaus’ response time, and the nature of the disputes. Some of our clients take longer than the average 4-6 months based on their situation and the response of the creditors and credit bureaus. 

Credit Repair is not a quick fix it requires patience. We usually don't work with clients who need quick fixes and lack patience.

 We help challenge inaccurate or unverifiable items such as collections, charge-offs, late payments, repossessions, medical bills, student loans, public records, and inquiries. We do not dispute accurate and verifiable debts unless they contain legal reporting violations.

No. We use a strategic, step-by-step approach to avoid triggering 'frivolous dispute' flags by credit bureaus. Disputes are prioritized and rotated monthly to yield better and legally sound outcomes.

 Yes, in some cases. However, the credit bureau must notify you within five days if they reinsert a deleted item, along with a justification. If this happens, we help you investigate and respond to the reinsertion. Some time they return because of certain practices of the Credit Bureaus in trying to circumvent the law because they fail to complete their investigation within the 30 days required by the FCRA.

No. We do not and cannot legally guarantee the removal of any specific item or a particular score improvement. What we can guarantee is that we will carry out your disputes using all lawful methods and to the best of our ability.

Yes. We strictly follow the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Telemarketing Sales Rule (TSR). We do not charge for work before it is completed, and we do not use deceptive or dishonest tactics.

In compliance with the TSR, we reserve phone consultations for clients who have already signed our service agreement. We do this to remain compliant and efficient. This FAQ is designed to answer your questions before you commit.

Are you ready to get on the road to financial freedom?

Contact us today let one of your knowledgeable team members help you get started

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We know that untangling your credit can be both stressful and confusing. Send us a message today, and we can get you started on a path to financial confidence. 

Kaironeek Financial

Brooklyn, New York, United States

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