Your Score Is Fixable. We Know Exactly How.
Collections, late payments, charge-offs, hard inquiries — all legally disputable under federal law. We build the strategy, file the disputes, and track every result.
Bad credit is costing you more than you think
Every day with damaged credit costs you money you don't have to spend. Higher rates, more deposits, worse terms — it adds up fast. Here's what's actually on the line:
Higher interest rates
Bad credit can cost thousands more in interest on auto loans, mortgages, and personal loans.
Bigger security deposits
Landlords and utilities charge higher deposits — sometimes 2–3x — when your score is low.
Loan denials
Bad items on your report kill approvals — even when you can actually afford what you're applying for.
Higher insurance premiums
Most insurers use credit data. A weak profile means you pay more for the exact same coverage.
Blocked from housing
Credit checks on rentals mean damaged profiles get rejected — even with solid income.
No access to business capital
Most business funding still requires a clean personal profile. Weak credit blocks your growth.
Your credit can be legally fixed
Under the Fair Credit Reporting Act (FCRA), credit bureaus are legally required to report only information that is 100% accurate and verifiable. When an item can't be verified — it must be removed. We know how to make that happen.
We review your full credit report
We analyze all three bureaus — Equifax, Experian, and TransUnion — and identify every item that can be challenged.
We build your dispute strategy
Every dispute is customized. We target inaccurate, unverifiable, outdated, or duplicated items with documented, legally-backed challenges.
We file and track every round
Bureaus have 30–45 days to respond. We follow up, track results, and escalate where needed.
You watch your score move
As items are removed and your profile cleans up, your score improves — and your financial options open up.
Every item that's dragging your score down
These are the most common items we successfully dispute and remove. If it's on your report and it's inaccurate or unverifiable — it shouldn't be there.
Collections & Charge-Offs
Past-due and written-off accounts affecting your utilization and payment history.
Late Payments
Incorrectly reported payment history and aging derogatories that no longer belong.
Hard Inquiries
Unauthorized or inaccurate pulls that are hurting your score without your permission.
Repossessions
Accounts requiring strict accuracy and full verification review before reporting.
Judgments
Public-record items that damage approval odds and push rates higher across the board.
Bankruptcies
Complex negative reporting requiring structured, documented disputes executed correctly.
These are real wins from real clients
Not stock photos. Not fake testimonials. These are actual screenshots from clients who went through our program. Score jumps of 65, 73, 90, 100, 131, 150, 161 points — some in as little as 21 days.
Fix Your Credit. Pay Once. Move On Confident.
Easy, one-time payment. No monthly fees. No hidden costs. Real results through expert, compliant credit repair.
★★★★★4.5 (74+ reviews)
- Up to 8 negative account disputes per round
- New round every 45 days
- Up to 3 rounds
- Bureau follow-ups included
- Up to 15 negatives per round
- New round every 30 days
- Up to 7 rounds
- Ultra Priority Support
- Unlimited rounds & negative items
- Aggressive dispute tactics
- Priority support
- Faster follow-ups & execution
- Both credit profiles repaired
- Expedited dispute process for both
- Priority coordination & tracking
- Save vs. two individual plans
Everything you're wondering about
We're not a factory. We're operators.
Personalized — not templated
Every client profile is different. We build a strategy around what's actually on your report, not a generic dispute letter factory.
Education-first approach
We explain what's happening and why at every step. You'll never be left wondering what we're doing or why.
One-time pricing only
No subscriptions, no hidden fees, no billing surprises. Pay once and we go to work. That's it.
Real-world capital focus
We're not just fixing scores — we're positioning clients to access funding, housing, and business capital. That's the bigger picture we work toward.
Stop letting bad credit cost you every day
Every month you wait is another month of higher rates, more denials, and money left on the table. One-time investment. Real federal law. Real results.
TK Capital Solutions LLC is a credit consulting firm, not a law firm. Results vary and are not guaranteed. Past results are not typical. The 180-day money-back guarantee requires completed intake, active cooperation, and no new derogatory activity; requests must be submitted in writing. All sales otherwise final. One-time pricing, no recurring fees. Star ratings reflect direct client feedback, not independently verified. Operates in compliance with FCRA and CROA. Under CROA, you may cancel within three business days of signing at no charge.