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Last updated: June 1, 2024

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AGREEMENT BETWEEN USER AND KO Credit.

 

The “Company” consists of KO Credit LLC, all related companies, its parents, subsidiaries, publisher sites, respective directors, officers, shareholders, employees, affiliates, assigns, consultants and agents.

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The “Website” consists of www.KOCredit.com, all websites owned and operated by KO Credit and its subsidiaries, related companies, publishers, affiliates, assigns, and agents.

 

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE WEBSITE. YOUR ACCESS AND/OR USE OF THE WEBSITE CONFIRMS YOUR UNCONDITIONAL ACCEPTANCE OF THE FOLLOWING TERMS. IF YOU DO NOT FULLY ACCEPT THESE TERMS, DO NOT USE OR ACCESS THE WEBSITE.

 

The specific services, guarantees, payment terms, timeframe, and total cost are set forth in the client disclosure statement incorporated herein for all purposes. NOW, in consideration of the mutual promises contained herein, the parties agree as follows:

 

KO Credit provides our website visitors with access to its content, resources, and tools for communication, public forums, commerce platforms, and other services (the “Website”). KO Credit provides its service to the user and all visitors, subject to the following Terms of Use.

 

The Website consists of various Web pages owned and operated by KO Credit. Company provides you with access to a variety of resources, including consumer news, information, and credit repair assistance (collectively “Services”). All such Services are subject to the Terms of Use. Company reserves the right to cancel your access to the Services for violation of these Terms of Use, in its sole discretion.

 

The Website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Website constitutes your agreement to all such terms, conditions, and notices.

 

This Website is not directed towards residents of the European Union. Under no circumstances are residents of the European Union permitted to visit our Website and share their personal information.

 

Conditions of Use

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THESE TERMS AND CONDITIONS OF USE APPLY TO ALL MATERIALS, ONLINE COMMUNICATIONS AND OTHER INFORMATION AND MATERIALS THAT ARE OR BECOME AVAILABLE ON OR THROUGH THE WEBSITE (COLLECTIVELY, THE “MATERIAL”). PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY ACCESSING THE WEBSITE YOU SPECIFICALLY ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS OF USE AND YOU SPECIFICALLY AGREE, WITHOUT LIMITATION OR QUALIFICATION, TO EACH OF THE PROVISIONS CONTAINED HEREIN. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE BOUND.

THESE TERMS AND CONDITIONS OF USE FORM A LEGALLY BINDING AGREEMENT. IF YOU DO NOT AGREE TO ANY OR ALL OF THE PROVISIONS FOUND IN THESE TERMS AND CONDITIONS OF USE, PLEASE IMMEDIATELY EXIT THE WEBSITE. WE RESERVE THE RIGHT TO TERMINATE YOUR USE OF OR ACCESS TO THE WEBSITE OR YOUR ACCOUNT AT ANY TIME FOR ANY REASON, INCLUDING, WITHOUT LIMITATION, IF WE LEARN THAT YOU HAVE VIOLATED THESE TERMS AND CONDITIONS OF USE.

 

Disclaimer of Warranties

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YOU EXPRESSLY AGREE THAT USE OF THE WEBSITE IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, COMPANY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE WEBSITE, ANY USE OF THE WEBSITE AND ANY WEBSITE TO WHICH THE WEBSITE IS LINKED. COMPANY DOES NOT WARRANT THAT THE MATERIAL ON THE WEBSITE IS COMPLETE OR ACCURATE, THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS WEBSITE OR SERVER OR ANY MATERIAL ON THIS WEBSITE IS FREE OF DISABLING DEVICES (AS HEREINAFTER DEFINED). YOU UNDERSTAND AND AGREE THAT ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SERVICES OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL. A “DISABLING DEVICE” IS DEFINED AS ANY SOFTWARE, DOCUMENT, MESSAGE OR OTHER MATERIAL WHICH CONTAINS A COMPUTER VIRUS, WORM, TROJAN HORSE, TIME-BOMB OR OTHER HARMFUL DEVICE WHICH MAY ERASE, SCRAMBLE, LOCK OR DISABLE COMPUTER SOFTWARE OR EQUIPMENT OR MAY PREVENT USERS FROM USING A WEBSITE OR ANY OTHER ITEM OF HARDWARE OR SOFTWARE.

 

Limitations on Authority

 

WHILE COMPANY USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON THE WEBSITE, ERRORS OR OMISSIONS SOMETIMES OCCUR. YOU UNDERSTAND THAT TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL COMPANY, OR ITS OFFICERS, EMPLOYEES, DIRECTORS, MANAGERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS OR LICENSORS, BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM THE USE OR INABILITY TO USE THIS WEBSITE, OR THE MATERIAL, INCLUDING WITHOUT LIMITATION, USE OF OR RELIANCE ON THE MATERIAL, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELETION OF FILES, DISABLING DEVICES, DELAYS IN OPERATION OR TRANSMISSION, NON DELIVERY OF INFORMATION, DISCLOSURE OF COMMUNICATIONS, OR ANY OTHER FAILURE OF PERFORMANCE, DAMAGES FOR LOSS OF REVENUES, PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, STATUTE OR OTHERWISE. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE WEBSITE. YOU (AND NOT COMPANY OR ITS PARENTS OR AFFILIATES) SOLELY ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE WEBSITE AND/OR ITS CONTENTS.

 

Disputes

 

The laws of Texas, United States of America, without regard to principles of conflict of laws, govern these Terms of Use and any dispute that might arise between you and KO Credit. If you take legal action relating to these Terms of Use, you agree to file such action in Harris County, Texas and in no other venue, and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any such action.

 

Class Action Waiver

 

You agree that any legal action shall be conducted in your individual capacity only and not as a class action or other representative action, and you expressly waive your right to file a class action or seek relief on a class basis.

 

Third Party Content

 

Company may distribute content supplied by third parties on the Website. Any opinions, advice, statement, services, offers, or other information or content expressed or made available by third parties, including information providers or any other user of the Website, are those of the respective author(s) or distributor(s) and not of the Company.

 

Links to Third Party Sites

 

The Website may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of KO Credit and Company is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Company is not responsible for webcasting or any other form of transmission received from any Linked Site. Company is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Company of the site or any association with its operators.

 

No Unlawful or Prohibited Use

 

As a condition of your use of the Website, you warrant to Company that you will not use the Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Website in any manner which could damage, disable, overburden, or impair the Website or interfere with any other party’s use and enjoyment of it. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Website.

 

Privacy

 

Privacy. Our Privacy Policy applies to your access and use of the Website, including any personal information provided via the Website or via any other aspect of the Website. The terms and conditions of our Privacy Policy are hereby incorporated by reference into these Terms. In addition, the Privacy Policy is subject to the terms and conditions of these Terms and in the event of conflict between these Terms and the Privacy Policy, these Terms shall govern and prevail.

 

Legal Jurisdictions Only

 

The services described on the Website are only for persons in those states and jurisdictions where such services may legally be sold. Those who choose to access this website do so at their own initiative and are responsible for compliance with local laws. Some services may not be available in all jurisdictions and nothing on the Website shall be considered a solicitation to buy or an offer to sell any services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

 

Access to Password Protected or Secure Areas

 

Access to and use of password protected or secure areas of the Website are restricted to authorized persons only. Anyone accessing or who attempts to access such areas without authorization may be subject to prosecution Ownership of Information. If you send us any creative materials, such as comments, suggestions, ideas, concepts, drawings, pictures, or other materials (collectively, the “Submissions”), you agree that the Submissions shall be deemed, and shall remain, the property of Company. None of the Submissions shall be subject to any obligation of confidentiality on the part of Company, and Company shall not be liable for any use or disclosure of any of the Submissions. Without limitation of the foregoing, Company shall exclusively own all now known or hereafter existing rights to the Submissions of every kind and nature throughout the world and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Submissions Locality.

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Company manages and controls the Website from its offices located in Texas (United States of America). Company makes no representation that the Information or other materials in the Website are appropriate or available for use in other locations. If you choose to access the Website outside of the state of Texas through your own initiative, to the extent the local laws in the geographic region in which you are located are applicable to your access of and activities on the website you are responsible for compliance with such local laws.

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Miscellaneous

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If any provision of these Terms and Conditions of Use shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and Conditions of Use and shall not affect the validity and enforceability of any remaining provisions. These Terms and Conditions of Use constitute the entire agreement of the parties with respect to the subject matter hereof, and supersedes all previous written or oral agreements between the parties with respect to such subject matter.

 

Copyright and Trademark Notices

 

All Material included on the Website, except third party content as referenced above, is the property of Company and is protected by United States and international copyright laws. No portion of the Material on the Website may be reprinted or republished in any form without the express written permission of Company or, with respect to third party content, its respective owner. You may download Material from the Website your own personal, non-commercial use only, provided you do not modify the Material and keep intact all copyright and other proprietary notices. You may not further distribute or display such Material for any purpose. Without our prior written consent, you may not (a) allow, enable, or otherwise support the transmission of mass unsolicited, commercial advertising or solicitations via email (spam); (b) use any high volume, automated, or electronic means (including without limitation robots, spiders, scripts or other automatic device) to monitor or copy our web pages or the content contained thereon; (c) link or deep-link to the Website for any purpose; or (d) frame the Website, place pop-up windows over its pages, or otherwise affect the display of its pages. Certain of the names, logos, and other materials displayed on the Website may constitute trademarks, trade names, service marks or logos (“Marks”) of Company or third parties. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith, with the exception of the third party Marks, remains with Company and are protected by United States and international trademark laws. Nothing contained on the Website should be construed as granting, by implication or otherwise, any license or right to use any of the Marks displayed on the Website. Your use of the Marks displayed on the Website, or any other content on the Website, except as provided herein, is strictly prohibited. All Marks not owned by Company that appear on the Website are the property of their respective owners.

 

Copyright Infringement Policy

 

In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) (“DMCA”), Company will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Website has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:

• a physical or electronic signature of the owner of the copyright interest that is alleged to have been infringed or the person authorized to act on behalf of the owner;

• identification of the copyrighted work(s) claimed to have been infringed, including copyright date;

• identification of the Content you claim to be infringing and which you request be removed from the Site or access to which is to be disabled along with a description of where the infringing Content is located;

• information reasonably sufficient to allow us to contact you, such as a physical address, telephone number and an email address;

• a statement by you that you have a good faith belief that the use of the Content identified in your written notification in the manner complained of is not authorized by you or the copyright owner, its agent or the law; and

• a statement by you that the information in your written notification is accurate and that, under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.

 

Indemnification

 

You agree to indemnify, defend and hold harmless Company, its parents, subsidiaries, affiliates, officers, directors, managers and other partners, employees, consultants and agents, from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees and court costs) resulting or arising from (1) any information you (or anyone accessing the your account using your password) submit through the Website, (2) your violation of these Terms and Conditions of Use or applicable law, (3) your (or anyone using your account/computer/device) violation of any rights of any other person or entity, or (4) any Disabling Device or other similar harmful or deleterious programming routines input by you into the Website.

 

Indemnification by Company

 

Company shall indemnify and hold Client free and harmless from any and all claims, damages or lawsuits (including reasonable attorneys’ fees) arising out of failure of Company to provide reasonable credit score increase within the allotted term.

 

Affiliate Service Provider

 

While it is not the current policy of KOCredit.com to use an affiliate service provider, Company has the option of fulfilling the credit services through a credit services processor or affiliate to best serve you. 

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Confidentiality

 

Client acknowledges that by reason of its relationship to Company, they will have access to certain information and material concerning Company’s business that are of substantial value to Company. The value would be impaired if such information were disclosed to third parties. Client agrees that it shall not use in any way for its own account or the account of any third party, nor disclose to any third party, any such confidential information revealed to it by Company. 

 

Governing Law and Jurisdiction

This Agreement shall be governed by and construed according to the laws of the State of Texas. 

 

Entire Agreement

 

This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to the Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by the party to be charged. 

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Notices

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Any notices required or permitted by the Agreement shall be deemed given if sent by Certified mail, postage prepaid, e-mail, fax, return receipt requested or by recognized overnight delivery service: If to Company; at its principal place of business or if to Client, at the provided address. 

 

Severability

 

If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining provisions shall nevertheless remain in full force and effort. 

 

Legal Expenses

 

The prevailing party in any legal action brought by one party against the other and arising out of this Agreement shall be entitled, in addition to any other rights and remedies it may have, to reimbursement for its expenses, including court costs and reasonable attorneys’ fees.

 

Conflict of Interest

 

Client warrants to Company that it does not currently represent or promote any lines or products that compete with the Company’s Products, they are not currently a client of any other Credit Repair company, nor have they been a client of another credit repair company in the last six (6) months. 

 

Exclusions and Limitations

 

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations and disclaimers may not apply to you. To the extent that Company may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of our liability shall be the minimum permitted under such applicable law.

 

Termination

 

You agree that Company, in its sole discretion, may terminate your access to the Website without prior notice, for any reason, including, without limitation, if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms and Conditions of Use. FURTHER, YOU AGREE THAT COMPANY SHALL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY TERMINATION OF YOUR ACCESS TO THE WEBSITE. The provisions of these Terms and Conditions of Use shall survive any termination of your access to the Website, Material or Software. a. Term. This Agreement shall continue as outlined in “Exhibit A” unless terminated by Company or Client as provided herein. b. Termination for Cause. If either party shall default in the performance of any material obligation in this Agreement, then the non-defaulting party may give written or electronic notice to the defaulting party and if the default is not cured within thirty (30) days following such notice, the Agreement will be terminated. 

 

Violations of Terms and Conditions of Use

 

Company reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions of Use, including the right to block access from a particular Internet address to the Website, and irreparable harm will be presumed by any violation of these Terms and Conditions of Use.

 

FEEDBACK AND SUBMISSIONS

 

Company welcomes your feedback and suggestions about its programs or services or with respect to how to improve the Site. By transmitting any suggestions, information, material, or other content (collectively, “feedback”) to Company, you represent and warrant that such feedback does not infringe or violate the intellectual property or proprietary rights of any third party (including, without limitation, patents, copyrights, or trademark rights) and that you have all rights necessary to convey to Company and enable Company and/or the Website to use such feedback. In addition, any feedback received through the Site will be deemed to include a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and license for Company and/or the Website to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide, or act on such feedback without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content, and you hereby waive any claim to the contrary.

 

CLIENT OBLIGATIONS

1. Client will need Proof of Identity and a recent utility bill showing the correct address (phone bill, gas bill, electric bill, etc…)

2. Client agrees to maintain a “credit monitoring system” and provide KOCredit.com access to that account. If client fails to keep an active monitoring account and fails to provide credit results, client’s file shall assess a $99 cancellation fee.

3. Client agrees to forward all mail received regarding their credit file to KOCredit.com.

 

GUARANTEE POLICY

 

KOCredit.com offers no guarantee as to a specific result from the use of our services. KOCredit.com is hired for the attempted repair or removal of each item on which the client chooses for us to work. KOCredit.com requires the client to keep an active credit monitoring system. Each month, KOCredit.com will update that monitoring account, and the client will be invoiced for the items that have been repaired or removed in the previous month. This charge will happen ONLY AFTER the removal or repair of an item as defined in the Terms of Service, and clients will be billed or charged for those items in accordance with the terms set forth in the Terms of Service. *Actual results may vary per individual*

 

90 DAY MONEY BACK GUARANTEE

 

The goal of credit repair is to remove questionable negative information from credit reports. This is not an exact science and there are cases in which we may be unsuccessful. Our clients are protected with our 90-day warranty. If you sign up for service with KO Credit in any program, and do not see any questionable items deleted from your credit in 90 days, you will be entitled to a full refund. This does not mean that your credit will be repaired completely during that period, but you should see some of your questionable negative items deleted in this period or your money back. (subject to the terms and conditions set forth below).

 

To apply for a refund please contact KO Credit and speak with a service specialist by phone, so your identity can be verified. The KO Credit Money back guarantee will be strictly subject to you complying with the following terms and conditions:

• That you do not create or cause any new derogatory tradelines to be added to your credit report after your participation in the applicable program begins

• You make all payments due and owing to KO Credit per this agreement in a timely manner.

• You mail, fax or email KO Credit all correspondences relating in any way to your credit report within seven (“7”) days of receiving said correspondence.

• You mail, fax or email to KO Credit proof of your identity such as a copy of driver’s license and copy of social security card within five (“5”) days of the effective date of this agreement.

• You agree to give KO Credit thirty (“30”) days from the date you have requested a refund to allow KO Credit adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.

 

Refunds limited to payments made for 90 days of service only. (ex. If client is in service for 180 days, with no change made to their history, they can request a refund, but that refund will be limited to 90 days of service).

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CANCELLATION POLICY

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You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract.

 

You may cancel this contract, without penalty or obligation; within Three (3) days after the date you sign this agreement.

 

If you cancel, any payment made by you under the contract will be returned within Five (5) business days after the date of receipt of your cancellation notice.

 

To cancel this contract, mail, fax, or deliver a signed dated copy of this cancellation notice or other written notice, to www.KOCredit.com at address below, not later than midnight of the 3rd day after your enrollment payment is received.

 

DISCLOSURE STATEMENTS

 

All clients of KOCredit.com must read and understand the following statements.

• Client understands this is a binding agreement and failure to make the payment for completed services can result in negative activity to client’s credit file.

• KOCredit.com also reserves the right to file the proper paperwork in attempt to obtain a Judgment for the amounts owed plus any legal fees.

• Either party may cancel this agreement at any time (see cancellation policy), cancellation must be sent in formal written format. Notice shall not be considered received unless confirmation of receipt has been received by all parties.

• KOCredit.com shall, within the course of 1 to 3 business days of signup, set up clients with their online private client site which will allow them to check progress throughout their service.

• A username and password will be provided to the client to access their online private client site.

• KOCredit.com will prepare client audit within 3 – 5 days and deliver via electronic means (email) before audit fee is charged.

• KOCredit.com shall prepare challenges for items appearing on the customer’s credit reports in accordance with the FCRA.

• KOCredit.com will submit transmittals of challenges within 7 business days of receipt of credit information and executed disclosure and agreement from customer.

• After each consecutive round of service, KOCredit.com shall prepare all follow-up challenges, as allowed by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Transactions Act and Fair Credit Billing Act.

• All items repaired or removed will be posted to the client’s private client site, which is accessed online by username and password provided to client upon initiation. This posting will be made BEFORE any charge is created for the deletion or repair that item.

• KOCredit.com shall assist client in determining the action to take with each account in regard to that client’s file. KOCredit.com is available to review the client’s personal credit file by calling the customer service numbers provided upon enrollment.

• Client acknowledges receipt of copy of a Notice of Right to Cancel.

• Client acknowledges receipt of Consumer Credit File Rights under State and Federal Law.

• KOCredit.com shall also provide a client services staff for assistance in answering questions regarding a client’s account.

• KOCredit.com will ONLYchallenge items as legally allowed.

 

PRICING

 

Our pricing is provided in three different methods of payment to the client's discretion. All of which are listed below:

• Pay Per Deletion

  • $111 One-time Audit fee

  • Fee is processed and calculated each month after review of previous month’s work has been conducted.

  • Access to client dashboard

  • In Depth Review of credit

  • Personalized Plan

  • First round disputes submitted within 7 business days.

  • Full Education Section in review and in client dashboard

  • Per Deletion Fees

    • Inquiries – $20 per inquiry removed from Any Bureau

    • Derogatory Items – $50 Per Deletion/Repair of any item from Any Bureau – this includes any derogatory item NOT listed as a Public Record

    • Public Records – $100 Per Deleted Public Record from Any Bureau

      • $111/month until the balance is paid in full.

 

CONSUMER NOTICES

 

All clients of KOCredit.com must read and understand the following statements:

• Pay Per Deletion Agreement – All prices are per item and per bureau. A removal of ANY item from ANY bureau counts as ONE (1) removal. The deletion of an account from all three credit bureaus counts as THREE (3) deletions.

  • A “removal” is defined as an item, tradeline, personal information, or inquiry that is removed from any of the client’s three credit files for ANY reason during our service.

  • A “repair” is defined as any “formerly negative” tradeline or any of the client’s credit files that, during our service, becomes a “positive” tradeline. This could include but is not limited to removal of “late notations” or “status change”.

  • Should client’s contract be terminated early at the discretion of KOCredit.com due to failed payment (4 attempts), client will be assed the following:

    • $35 late fee

    • $99 cancellation fee

    • Legally responsible to pay the unpaid balance of the invoice

    • Failure to pay these fees within 30 days of cancellation will result in the account potentially being sold to a debt collector to collect on unpaid fees

 

THE FOLLOWING ARE PART OF BUT NOT CONSIDERED TO BE A COMPLETE LIST OF OUR SERVICES.

• Create a unique, secure interactive client web portal for online access.

• A username and password will be provided to the client to access their online private client site.

• Create a secure online environment as part of the client web portal for secure document sharing and transfer.

• Assist client in obtaining copy of credit report if needed.

• Analysis and review of client credit report.

• Enter Data from client’s credit report into internal database.

• Enter Data from client’s credit report into a secure interactive client web portal.

• Enter client’s information into a secure web portal for tracking purposes.

• Provide a client link to perform opt-out to reduce junk mail.

• Analysis and review of client file status updates.

• KOCredit.com shall also provide a client services staff for assistance in answering questions regarding a client’s account.

• Update client secure interactive web portal with most recent updates and/or notes.

• Receiving and processing of Manual Updates.

• Respond to, receive, and or initiate correspondence via telephone, mail, email, or fax.

• Review clients credit report updates to determine the next step.

• Create a strategic plan to assist clients in meeting their goals.

• Create dispute letters.

• Assist with credit questions.

• Provide ongoing credit education.