Keys Credit
- Start Here
Your Path to Better Credit Starts Today.
Four simple steps from your first form to your file opening. No upfront fees, no unsolicited calls, and no commitment until you have seen what is on your report and chosen a plan that fits.
1
Fill out the contact form
Takes less than 2 minutes — basic info only
2
We review your credit picture
We pull your reports and audit every item
3
Choose your plan and onboard
Select the plan that fits, complete onboarding
4
We open your file and get to work
Disputes begin!
Step 01
Get Your Free Credit Analysis
Our team reviews every submission personally. You will hear from us within 24 hours.
- No upfront fees - No unsolicited calls - TSR Compliant -
Here Is Exactly What Happens Next
No black boxes. No mystery. Here is every step from the moment you hit submit to the moment your file opens and results start coming in.
Our Team Reviews Your Submission
Keylani or Irish reviews your information personally. We are not a software-driven system — a real person looks at every submission. If you are a homebuyer we will reach out to schedule your free phone walkthrough at a time that works for you.
🏠 Homebuyers — free phone walkthrough includedWe Pull Your Full Tri-Merge Report
We obtain your credit reports from all three bureaus — Equifax, Experian, and TransUnion — and conduct a line-by-line audit. We identify every item that is inaccurate, outdated, or unverifiable and map out exactly what can be disputed across all three.
📋 All three bureaus — Equifax, Experian, TransUnionWe Walk You Through Your Options
Based on what is on your report, we explain which plan fits your situation. Foundation covers the most common items for clients with fewer than 10 accounts. Essential adds repossessions, eviction, and child support. Accelerator covers everything including foreclosures and bankruptcy. You choose — no pressure.
💡 Foundation · Essential · AcceleratorComplete Onboarding and Your File Opens
You complete our onboarding process and submit your first payment. Per the FTC Telemarketing Sales Rule, your file opens and work begins only after onboarding is complete and payment is processed. This protects you — no work happens without your explicit sign-off and commitment.
⚖️ TSR Compliant — no advance fees, everWe Go to Work. You Track Every Win.
Dispute letters go out, creditor negotiations begin, and your score-building strategy runs in parallel. You receive monthly progress updates showing every deletion, every score change, and your next action items. Irish is your point of contact throughout — reach out anytime.
🔑 Average: 120+ points gained in 90 daysChoose Your Plan
Which Plan Is Right for You?
Your plan is determined by what is on your report. Not sure which one fits? Submit the form above and we will tell you exactly which plan your situation calls for.
Not sure which plan you need? Fill out the form above — we will tell you exactly which plan fits your report after we review it. No commitment required.
Common Questions
Everything You Are Wondering About
Real answers to the questions we hear most from new clients before they get started.
How long will it take to repair my credit?
Most clients with collections, charge-offs, and common negative items see meaningful score improvement within 30 to 90 days. More complex profiles — including foreclosures or bankruptcy — typically take 4 to 6 months for substantial results. We give you a realistic, specific timeline after reviewing your actual report.
I was denied for a mortage. Can you help?
Yes — this is actually our most common client scenario. Most people who come to Keys Credit were denied for a mortgage before reaching out. We specialize in mortgage readiness and know exactly what lenders need to see. Homebuyer clients also receive a free phone walkthrough where we review your report and map out your path to approval.
Can you guarantee my score will improve?
No credit repair company can legally guarantee specific results under the Credit Repair Organizations Act (CROA) — and any company that does should be a red flag. What we can tell you is that 100% of our clients have been satisfied with our service, and our team does not stop working until every possible avenue has been explored.
What is the client portal and how does it work?
The client portal at SecureClientAccess.com is where you complete onboarding, upload documents, track your file status, and view progress updates. Once you are enrolled, Irish will walk you through how to use it. Everything is secure and accessible from any device.
What documents will I need to provide?
To open your file we will need a government issued photo ID and a recent proof of address such as a utility bill, bank statement, or lease agreement. These documents verify your identity with the credit bureaus and are required under federal law for any credit repair work. Everything is uploaded securely through your client portal at SecureClientAccess.com, and Irish will walk you through exactly what to send during onboarding.
Will this affect my credit score to get started?
Pulling your credit for the purposes of a credit review typically generates a soft inquiry, which does not affect your score. We will explain exactly what type of pull is involved during your review. Starting the dispute process itself does not negatively impact your score.
How to I know which plan is right for me?
The plan depends on what is on your report and how many accounts are involved. Foundation covers the most common items for clients with fewer than 10 accounts. Essential adds repossessions, evictions, and child support. Accelerator covers everything including foreclosures and bankruptcy. Submit the form and we will tell you exactly which plan fits after reviewing your profile.
What are some common things that can hurt your credit score?
Not paying bills on time
Filing for bankruptcy or foreclosure
Applying for too many credit accounts
Carrying high balances on your credit cards
Ignoring questionable negative items on your report
When do I have to pay?
You never pay until you have chosen a plan and completed onboarding. Per the FTC Telemarketing Sales Rule (TSR), your file does not open and no work begins until after your first payment is processed. There are no advance fees, no charges before services start, and no surprise costs.
How much will my score increase?
No two credit histories are the same. As much as we would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the “human factor”. We don’t know what you are going to do during this process. You might get new inquiries, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of the hundreds of other things that would change the outcome of your service. That said, with our experience we've seen increases as large as 200+ points.
Keys Credit
Credit Repair · Arizona Based
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2400 North Central Avenue
Suite 100, Phoenix, AZ 85004
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