Worried about the cost of credit repair?
We've got you covered. Our friendly experts will guide you every step of the way. Take control of your financial future today!
Only 6 spots left for this month!
Worried about the cost of credit repair?
We've got you covered. Our friendly experts will guide you every step of the way. Take control of your financial future today!
Only 6 spots left for this month!
SAY GOODBYE TO YOUR LOW CREDIT SCORE
We specialize in the full credit repair process. Our team of reputable, FICO-certified credit experts will work diligently on your behalf to delete any negative items from your credit report with all three credit bureaus (TransUnion, Equifax, and Experian), including:
Child Support
Late or delinquent child support payments can be turned over to debt collectors or a collections agency just like any other debt. The late payments will be recorded on your credit score.
Credit Inquiries
A credit inquiry occurs when you apply for a credit card or loan and permit the issuer or lender to check your credit. There are hard & soft inquiries.
Medical Bills
A single medical debt in collections can harm your credit score by as much as 100 points. And once the debt appears as unpaid on your credit report, it takes up to seven years to disappear.
Repossessions
Repossessions have a severely negative impact on your credit and can show lenders that you may not be able to make payments on the property you purchase.
Tax Liens
Tax liens stopped reporting in 2018. However, some people may still find old tax liens reporting on their credit profiles.
Public Records
Anything that companies may consider a legal liability is a matter of public record. It will usually show up on your credit report.
SAY GOODBYE TO YOUR LOW CREDIT SCORE
We specialize in the full credit repair process. Our team of reputable, FICO-certified credit experts will work diligently on your behalf to delete any negative items from your credit report with all three credit bureaus (TransUnion, Equifax, and Experian), including:
Child Support
Late or delinquent child support payments can be turned over to debt collectors or a collections agency just like any other debt. The late payments will be recorded on your credit score.
Credit Inquiries
A credit inquiry occurs when you apply for a credit card or loan and permit the issuer or lender to check your credit. There are hard & soft inquiries.
Medical Bills
A single medical debt in collections can harm your credit score by as much as 100 points. And once the debt appears as unpaid on your credit report, it takes up to seven years to disappear.
Repossessions
Repossessions have a severely negative impact on your credit and can show lenders that you may not be able to make payments on the property you purchase.
Tax Liens
Tax liens stopped reporting in 2018. However, some people may still find old tax liens reporting on their credit profiles.
Public Records
Anything that companies may consider a legal liability is a matter of public record. It will usually show up on your credit report.
You're not alone.
Millions of people struggle with bad credit. It can be incredibly frustrating and overwhelming to deal with, especially when it feels like it's not even your fault. Life throws curveballs:
Unexpected medical expenses:
A sudden illness or injury can lead to mounting medical bills that are difficult to manage.
"Unexpected medical expenses can arise when you least expect them. A sudden illness or injury may lead to overwhelming medical bills, creating financial stress and uncertainty. Without proper preparation, these costs can quickly add up, making it challenging to stay on top of your finances. Having the right support in place can help you navigate these situations with confidence and ease."
Job loss or income reduction:
Losing your job or experiencing a pay cut can make it hard to keep up with financial obligations.
"Job loss or a sudden reduction in income can make it challenging to keep up with financial commitments. Without a steady paycheck, covering essential expenses like rent, utilities, and groceries can quickly become stressful. Planning ahead can help you stay financially secure during uncertain times."
Divorce or separation:
Relationship breakdowns often lead to financial strain and can negatively impact credit scores.
"Divorce or separation can bring significant financial challenges, from legal fees to dividing assets and managing expenses on a single income. These changes can create financial strain and even impact your credit score, making it essential to plan for a stable financial future."
Identity theft:
Being a victim of identity theft can wreak havoc on your credit history.
"Becoming a victim of identity theft can severely impact your credit history, leading to unauthorized debts, financial stress, and long-term damage to your credit score. Taking proactive steps to protect your personal information is essential for safeguarding your financial future."
And even if you haven't experienced these challenges, it's easy to get lost in the complexities of credit reports and the dispute process. Trying to fix your credit alone can be a daunting task. You might:
Not know where to start:
The credit repair process can be complex and confusing, leaving you feeling lost and unsure of what to do.
Make costly mistakes:
Without expert guidance, you could inadvertently make mistakes that further damage your credit.
Waste valuable time:
Credit repair takes time and effort, and you may not have the resources to dedicate to it.
ABOUT US
Results Matter. Your Financial Freedom is Our Mission.
I know what it’s like to feel stuck because of bad credit—I’ve been there. But I also learned how to finesse the banks and use credit to my advantage, and now I help others do the same.
With years of experience in the credit space, I know exactly how to position you for approvals—whether it’s for a car, a house, or securing high-limit funding. I break down the process in a way that’s easy to understand, so you can take control of your financial future with confidence.
I don’t just repair credit—I teach it. If you’re serious about leveling up, my 1-on-1 coaching and mentorship will help turn your goals into reality. -
Luis Reyes
ABOUT US
Results Matter. Your Financial Freedom is Our Mission.
I know what it’s like to feel stuck because of bad credit—I’ve been there. But I also learned how to finesse the banks and use credit to my advantage, and now I help others do the same.
With years of experience in the credit space, I know exactly how to position you for approvals—whether it’s for a car, a house, or securing high-limit funding. I break down the process in a way that’s easy to understand, so you can take control of your financial future with confidence.
I don’t just repair credit—I teach it. If you’re serious about leveling up, my 1-on-1 coaching and mentorship will help turn your goals into reality. -
Luis Reyes
OUR PROCESS
Free Consultation:
We'll start with a free, no-obligation consultation to discuss your credit goals and challenges. We'll listen to your concerns and answer all your questions.
Personalized Plan:
Our experts will thoroughly analyze your credit report, identify any negative items or errors, and create a customized plan to improve your score.
Expert Guidance:
We'll guide you every step of the way, helping you dispute errors, negotiate with creditors, and rebuild your credit history for a brighter financial future.
OUR PROCESS
Free Consultation:
We'll start with a free, no-obligation consultation to discuss your credit goals and challenges. We'll listen to your concerns and answer all your questions.
Personalized Plan:
Our experts will thoroughly analyze your credit report, identify any negative items or errors, and create a customized plan to improve your score.
Expert Guidance:
We'll guide you every step of the way, helping you dispute errors, negotiate with creditors, and rebuild your credit history for a brighter financial future.
467
Happy Clients
$1,035,456
FUNDED
8,657+
NEGATIVE ITEMS REMOVED
467
Happy Clients
$1,035,456
FUNDED
8,657+
NEGATIVE ITEMS REMOVED
OUR RESULTS SPEAK FOR ITSELF
"Luis And His Team Helped Me Fund My Dream Business!"
"I had a great idea for a business, but my credit score was holding me back from getting the funding I needed. Luis helped me understand my credit report, dispute some errors, and improve my score significantly. Now, I have the financing to pursue my entrepreneurial dreams!
- Lucas, San Diego, CA -
"Luis And His Team Helped Me Fund My Dream Business!"
"I had a great idea for a business, but my credit score was holding me back from getting the funding I needed. Luis helped me understand my credit report, dispute some errors, and improve my score significantly. Now, I have the financing to pursue my entrepreneurial dreams!
- Lucas, San Diego, CA -
"From Denied to Homeowner!"
"My credit was a mess after a divorce, and I thought I'd never be able to buy a home. Luis worked with me to rebuild my credit, and within a year, I was approved for a mortgage! I'm so grateful for his help in making my homeownership dreams a reality."
- John, Dallas, TX -
"From Denied to Homeowner!"
"My credit was a mess after a divorce, and I thought I'd never be able to buy a home. Luis worked with me to rebuild my credit, and within a year, I was approved for a mortgage! I'm so grateful for his help in making my homeownership dreams a reality."
- John, Dallas, TX -
"KMK Made the Impossible, Possible!"
"I had a lot of negative items on my credit report from my past. I thought I would never be able to qualify for a business loan. But Luis helped me clean up my credit, and now I'm finally able to expand my cosmetology business! I'm so grateful for his expertise and support."
- Sarah, Miami, FL -
"KMK Made the Impossible, Possible!"
"I had a lot of negative items on my credit report from my past. I thought I would never be able to qualify for a business loan. But Luis helped me clean up my credit, and now I'm finally able to expand my cosmetology business! I'm so grateful for his expertise and support."
- Sarah, Miami, FL -
"Beyond Credit Repair, It's Financial Peace of Mind"
"Luis not only helped us improve our credit score, but he also taught us valuable financial skills that we can use for the rest of our life. I feel empowered and confident about my financial future thanks to his guidance. We're finally in a position to get a new car and secure the funding I need for my future goals."
- David, New York, NY -
"Beyond Credit Repair, It's Financial Peace of Mind"
"Luis not only helped us improve our credit score, but he also taught us valuable financial skills that we can use for the rest of our life. I feel empowered and confident about my financial future thanks to his guidance. We're finally in a position to get a new car and secure the funding I need for my future goals."
- David, New York, NY -
JUST IMAGINE
FREQUENTLY ASKED QUESTIONS
Educating people about credit is a core part of our mission at KMK Enterprise. Lack of knowledge can negatively impact your financial health, so it's crucial to stay informed. If you have any questions that aren't addressed on this page, please call our specialists. They're ready and happy to assist you with any inquiries.
Is it possible for deleted items to reappear on my credit report?
Yes, deleted items can potentially reappear on your credit report. If a previously removed negative listing is re-verified by a creditor, it can be reported again. According to the Fair Credit Reporting Act, credit bureaus are required to notify you before re-reporting any deleted items. While this is uncommon, it is still possible.
Can you remove late payments from my credit?
KMK Enterprise can guide you on what should and shouldn’t appear on your credit report and provide strategies to help remove incorrectly reported late payments.
Can you help me remove hard inquiries from my credit reports?
At KMK Enterprise, our specialists can review your credit reports and discuss your credit history to identify which hard inquiries we may be able to assist in removing.
