CREDIT REPAIR

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Unlock Your Financial Potential

Kaiman Accounting & Consulting: Your Trusted Credit Advisors

At Kaiman Accounting & Consulting, our team includes Board-Certified Credit Consultants accredited by the Credit Consultants Association (CCA). We use this expertise to provide outstanding service and tailored guidance for our clients.

Financial Challenges? We Can Help.

Do you face difficulties managing student loan debt, navigating bankruptcy, or overcoming challenges related to repossession? Our team is here to help you develop a personalized strategy for achieving your financial goals.

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Potential Credit Report Errors: Are you impacted?

Industry research indicates up to 80% of credit reports may contain inaccuracies. As high as 25% of these inaccuracies could negatively impact loan applications. We recommend proactively reviewing your credit report regularly, well before seeking loan approval.

Credit Score is a Key Factor, But Not the Only One. A high credit score is a significant indicator of creditworthiness, but lenders consider a variety of factors when evaluating loan applications. This comprehensive approach ensures responsible lending practices and helps manage risk.

Understanding Credit Report Inaccuracies

Credit Report Accuracy Matters: Federal regulations ensure the accuracy of credit reports. You have the right to dispute any errors you find. We recommend regular credit report reviews to maintain accuracy. Negative information, if accurate, may remain on your report for up to seven years.

Strategies for Credit Improvement: We can help you develop a personalized plan to address any inaccuracies on your credit report and implement strategies to improve your overall credit health.

Empower Yourself with Credit Management Knowledge: Beyond dispute resolution, our services equip you with the knowledge and tools to proactively manage your credit health. This empowers you to confidently identify and address future inaccuracies, ensuring your credit report accurately reflects your financial standing

Take Control of Your Financial Future

Once you've had a chance to review your report, we invite you to schedule a complimentary consultation to discuss your credit health and explore any potential areas for improvement.

Access and Review Your Credit Report
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Frequently ASked Questions

A FICO score is any credit score provided by the Fair Isaac Corporation. 90% a top lenders use FICO scores to make lending decisions. A credit score is a 3 digit number that is used to predict how likely you are to pay your obligations. FICO scores range from a low of 300 (poor) to 850 (excellent).

There are 5 five factors that determine your credit score, the largest part of your credit score is determined by your payment history (35%).

The amount of debt you owe makes up 30% of your score. It is determined by dividing the amount you owe by the total amount of credit available.

The smaller, remaining 3 factors are the length of your credit history (15%), the number of new credit accounts (10%) and your credit mix. You should have a credit mix that is made up of credit cards, installment loans and trade credit.

  1. First, you must access your credit report. You can do that here: Identity IQ
  2. Determine your credit repair goals.
  3. Contact us for your free consultation. Email: info@kaimanactg.com
    Phone: 

Your credit repair journey is personal and you would want it no other way. We treat your  concerns with the utmost confidentiality. We cannot predict how long it will take, but we can assure you that we partner with you to insure that you are in the know, every step of the way.

We guarantee to provide you the best service. Your cost will be determined by the number and type of issues (late payment, collections, settlement, repossession, bankruptcy, etc).