Keys Credit
Your credit isn't permanent.
Let's fix it.
We help people clean up their credit reports the right way, so they can qualify for a mortgage and buy a home with confidence. We will show you what we see and what we would do about it.
90 Days
Real Results
In their own words.
Real clients, real scores, real homes. Every word is theirs.
Every Tool to Unlock Your Score
From your first report pull to your lender approval, we handle every step of the credit repair journey.
Credit Report Analysis
We pull all three bureaus and review every line. Errors, outdated entries, items that should not be there. We tell you exactly what we see.
Dispute Management
We draft and send dispute letters to the bureaus and furnishers, track every response, and escalate when needed across multiple rounds.
Collection & Charge-Off Removal
The items that block mortgage approval and drag your score the hardest. We dispute inaccuracies and challenge what should not be reported.
Mortgage Readiness Planning
We reverse engineer your loan requirements and build a personalized roadmap to hit the score, DTI, and history your lender needs.
Score Building Strategy
Utilization guidance, tradeline coaching, and payment structuring that moves your score between bureau updates.
Progress Monitoring
Monthly updates on every change to your file, every dispute response, and what is coming next. You never have to wonder where you stand.
Simple Steps, Real Results
No confusing jargon. No runaround. Just a clear path forward.
Fill Out the Contact Form
Free credit analysis to start. No card, no commitment, just the first step toward a cleaner profile.
We Pull and Audit Your Reports
All three bureaus. We tell you what we see and what your realistic timeline looks like.
You Decide
Pick a payment plan, complete onboarding, make your first payment. Then we open your file.
We Get to Work
Disputes go out, bureaus respond, and we update you monthly on every change.
How Our Process Works: After your credit analysis, you choose a payment plan. Once you complete onboarding and your first payment is processed, we open your file and begin work immediately. Per the FTC Telemarketing Sales Rule, no services begin until onboarding is complete and first payment is received. We never initiate unsolicited contact.
FROM CREDIT TO HOME
Your Path to a Home
Credit repair is the first step. Here is how it leads to a home.
STEP 1
Free credit review
We pull your reports and show you exactly what we see.
STEP 2
Your credit repair plan
We dispute inaccurate items and build a roadmap to your goal score.
STEP 3
Get mortgage ready
We help you understand the score, debt to income, and history your lender needs.
STEP 4
Buy your home
Buy with Keys Real Estate Services in Arizona, or with a trusted licensed agent referral in your state.
Ready to start?
See what is actually on your report.
Pull your three bureau report for a dollar. We'll review it with you and tell you what we see. No pressure, no surprises, no obligation to sign up.
No unsolicited calls · 100% TSR Compliant · Arizona based · Free Phone Call for Homebuyers
Keys Credit
Credit Repair · Arizona Based
Keys Tactical provides credit repair services. Real estate services in Arizona are provided separately by Keys Real Estate Services under Realty ONE Group. Clients buying in other states are referred to licensed agents there.
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2400 North Central Avenue
Suite 100, Phoenix, AZ 85004
Copyright 2026. Keys Tactical. All Rights Reserved.