Keys Credit
OUR Services
Credit repair, built around your goals.
A transparent process with no hidden steps and no confusing jargon. Just consistent action, regular updates, and a clear path to the credit profile you need.
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.
Service plans
Choose the plan that fits your file.
Your plan determines which of the 9 derogatory item categories we work on. Choose based on what is actually on your report.
Flexible monthly payment plans available. Your first payment includes a one time $100 setup fee. Monthly payments are tailored to your file weight and timeline, starting at $150 per month. We will quote your exact plan after your free audit.
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 Errors, outdated entries, items that should not be there.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.
How we work with you
A process built on transparency, not pressure.
From the day your file opens to the day you reach your goal, here is what working with Keys Credit actually looks like.
Direct access, every time
You reach the same team for every question. No call centers, no junior reps, no rotating account managers. The same people who open your file are the ones working it from start to finish.
Clear billing, no surprises
Your total program cost and monthly payment are explained in writing before you sign. No hidden fees, no escalating charges, no contract gotchas. You always know what you owe and why.
Compliant in every dispute
Every letter we file follows FCRA, CROA, and TSR standards. We will tell you what the law allows, what it does not, and what your consumer rights are at every step of the process.
Monthly progress reports
You receive a monthly update showing every deletion, every score change, and what is happening next. No wondering where your file stands or whether anything is moving.
For homebuyers
Backed by a Realty ONE Group team in Arizona.
Keys Credit is led by Keylani, a licensed Arizona Realtor with Realty ONE Group based in Goodyear, AZ. That means your credit repair is not built in a vacuum, it is built by people who sit at closing tables every week and know exactly what FHA, conventional, and VA lenders need to see. When your score is ready, the same trusted team is right there to help you find your home.
Built by a licensed Arizona Realtor, not a call center
Debt-to-income coaching alongside dispute work
Score building strategy timed around statement close dates
Mortgage readiness roadmap tied to real loan program thresholds
Coordination with your realtor or loan officer when needed
Seamless handoff to Keys Real Estate when you are ready to buy
Keys Credit
Credit Repair · Arizona Based
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2400 North Central Avenue
Suite 100, Phoenix, AZ 85004
Copyright 2026. Keys Tactical. All Rights Reserved.