• The founders of Kala Group Credit have been helping consumers with their credit problems for nearly 3 decades. Over the years we’ve seen and tried nearly every method of credit repair. In 2014 we perfected our formula!

    Not only are we knowledgeable and experienced, we are licensed and bonded as a Credit Services Organization. Unfortunately, too many individuals try to open credit repair businesses without the knowledge they need to best serve the consumer. They have some success with one or two methods and suddenly they are selling their services as “expert”. Often, these individuals don’t know the laws related to consumer credit repair, therefore they cannot comply with the laws. They often don’t know how to use the statutes of limitations or how to handle debt buyers.

    Some companies, including very large, well-known law firms, offer low monthly payments. Unfortunately, the monthly payment is designed to keep the consumer making payments for many months, even years, thereby benefiting the credit repair company not the consumer. We’ve seen clients who have paid other companies every month for up to 3 years, without ever getting the results they were seeking. While this method may be legal, we feel it isn’t ethical because the consumer isn’t fully informed about when the work will be completed. Our goal is to have your file optimized within six months, assuming no new inaccuracies or errors appear on your reports during the program.

    Kala Group Credit has developed the Do-It-With-You program for it’s clients. We provide a free consultation to learn your goals so that we can quickly help you achieve those goals. For example, if you are trying to buy a home, you may not need full optimization to reach the scores necessary for the mortgage approval with favorable terms. We first work to help you get approved, then we continue the process until your file is optimized.

    Our clients participate in their credit repair. We don’t communicate with credit bureaus directly. We prepare documentation for the consumer to review, ask questions, print, sign, and mail. The consumer then provides us with copies of any correspondence received back from the bureaus. By having the client participate, they are always fully aware of the status of their credit repair and the claims being made to the bureaus.

    It doesn’t matter what inaccurate, outdated, or erroneous information is on your credit reports. If it shouldn’t be reported as is, we can help you.

    Our monthly fee is for industry expertise and the documents we prepare. Our goal is to have your file optimized in no more than 6 months. We won’t charge you per deletion that can result in you paying thousands of dollars for a dispute process that may result in your debts re-appearing at a later date. We won’t provide you with a menu of services so that you are surprised by additional fees after you sign up.