We believe in providing credit repair services and credit education that inspires and motivates people to live their best life. We do this through developing and sharing authentic goals and deep personal engagement.
A Letter From The CEO
I am delighted to extend my warmest welcome to you on behalf of our entire team here at KMJ Financial Services. As the CEO, I am privileged to have this opportunity to connect with you and share our vision for empowering individuals on their journey to financial freedom.
At KMJ Financial Services our mission is clear and resolute: to inspire, empower, educate, and support individuals like you in taking control of your credit scores and financial futures. We firmly believe that everyone deserves the chance to build a strong and stable financial foundation.
We understand that the world of credit repair can be daunting and complex, but rest assured, you are not alone on this path. Our dedicated team of experts is here to guide you every step of the way. We pride ourselves on being your trusted partner, providing personalized attention and practical tips tailored to your unique needs.
Our commitment to transparency and professionalism sets us apart. We have a proven track record of delivering results, and we want you to witness the transformation in your credit score firsthand. We offer clear and concise educational resources, along with a wealth of knowledge in credit repair processes, debt management, and establishing good credit habits.
As you explore our website and the resources we provide, I encourage you to reach out with any questions or concerns. We are here to serve you and to make your credit repair journey a truly transformative experience
Thank you for considering KMJ Financial Services as your partner in achieving financial well-being. Together, we can unlock a brighter financial future and make your dreams a reality.
Kiwanis Rucker
03
Action
With the knowledge gained from the audit and the advice provided during the consultation, it's time to take action.
Our team of experts, armed with proven strategies, will initiate the credit repair process on your behalf.
We work diligently to dispute inaccuracies and challenge negative items on your credit report.
02
Advise
Once the audit is complete, it's time for us to connect personally. We schedule a one-on-one consultation with you to discuss the findings from your credit report.
During this conversation, we provide expert advice and insights tailored to your unique situation.
01
Audit
In this crucial first step, our team meticulously examines your credit report.
Our experts analyze your credit report from all major bureaus to identify inaccuracies, discrepancies, and areas that need improvement.
EXPLANATION OF SERVICES
There is a one-time enrollment fee of $149 for individual accounts (or $199 for joint accounts).
OUR “ENROLLMENT” FEE COVERS:
• Account set up
• Time expended on auditing your credit report
• Time expended on consulting with you
There is a monthly service fee of $99 per month for individual accounts (or $198 for joint accounts)
KMJ LEGACY BUILDER PROGRAM (& MONTHLY SERVICE FEE) COVERS:
- Unlimited and “advanced” disputes to all three major credit reporting agencies (Experian, TransUnion, and Equifax);
- Unlimited telephone customer support;
- Unlimited email customer support;
- Standard first-class postage;
- Access to a secured self-service billing portal;
- Access to a secured case management dispute portal;
- Superior and Advanced credit education
- Unlimited disputes on “NEW” inaccuracies added subsequent to your enrollment date;
- Immediate responses to new collection letters received;
- Unlimited disputes directly with the data furnishers (including collection agencies, original creditors, and/or other third-party data furnishers);
- Advanced data furnisher dispute tactics
- Unlimited case reviews upon request;
- Premium certified postage (as needed);
- Cease and Desist Letters
- Inquiry disputes with the original creditors
- Escalated disputes with the compliance authorities
- Certified mail with escalated disputes
HOW DOES THE LEGACY BUILDER PROGRAM WORK?
You can start and sign up online 24/7. As soon as you complete the enrollment form online you can schedule your consultation.
One of our credit consultants will give you a call at your appointed time and walk you through the process to complete enrollment.
The Legacy Builder program includes an audit of your credit report, one consultation call, an action plan, credit education, and a team of credit consultants working hands on with you to repair your credit.
DO YOU OFFER A GUARANTEE?
We do not offer a guarantee. No one in our business can predict specific results, but we can assure you that we will do everything possible to maximize the likelihood of great results
DOES KMJ FINANCIAL SERVICES CHARGE ANY ADDITIONAL FEES?
There are NO additional fees at KMJ Financial Services. KMJ Financial Services. Only charges the fees listed above.
DOES KMJ FINANCIAL GIVE REFUNDS?
There are NO refunds. However, you can cancel your service at any time.
HOW SOON SHOULD I START TO SEE RESULTS?
Upon signing up online and speaking to one of our credit consultants you should have your first round of disputes will be sent within three business days from your start date. You should see initial results in about 30-45 days. The result process is ongoing as long as your are in the program.
2023 KMJ Financial Services