FAQ

What is credit repair?

Credit repair is the process of identifying and challenging inaccurate, outdated, or unverifiable information that may be negatively impacting your credit profile. Our goal is to help you understand your credit and work toward improving your financial future.

How long does credit repair take?

Every credit profile is different. Some clients see progress within the first few months, while others require more time. Credit repair is a process, not an overnight fix.

Can you guarantee a specific credit score increase?

No. No legitimate credit repair company can guarantee a specific score increase. Results vary based on your unique credit profile and financial habits.

Do I need credit monitoring to enroll?

Yes. All clients are required to maintain an active SmartCredit membership throughout the program.

SmartCredit allows us to:

  • Access and analyze your credit reports
  • Monitor changes to your credit profile
  • Track progress throughout the process

SmartCredit offers a $1 trial for the first 7 days. After the trial period, the membership renews at $24.99 per month and must remain active during your enrollment.

What negative items can potentially be challenged?

Depending on the circumstances, we may challenge:

  • Collections
  • Charge-offs
  • Late payments
  • Repossessions
  • Certain public records
  • Inquiries (when applicable)

Results vary by individual credit profile.

Do you offer a Rent-Ready Program?

Yes. Our Rent-Ready Program is designed to help clients strengthen their credit profile and improve their chances of qualifying for rental housing.

Do you offer a Homeownership Program?

Yes. Our Homeownership Program is designed to help future homeowners build a stronger credit foundation while preparing for the mortgage qualification process.

Do you offer a money-back guarantee?

Yes. We offer a 180-Day Money-Back Guarantee for clients who follow our program recommendations, maintain active participation, and meet all eligibility requirements outlined in our service agreement.

Because successful credit improvement is a partnership, clients must complete their assigned responsibilities throughout the program to qualify.

Why choose Level Up With Kay?

At Level Up With Kay, we focus on more than credit repair. We provide education, strategy, accountability, and support to help clients work toward long-term financial freedom.

Credit Education • Financial Freedom • Your Comeback Starts Here

How do I get started today?


Start by visiting our website and completing your secure checkout. After purchase, you’ll receive your onboarding details and everything you need to begin.

For The Credit Comeback Program, you can begin immediately after enrollment.
For Rent Ready & Home Ownership Program , your consultation is included and scheduled after purchase.

Bad credit isn't permanent. Staying stuck is optional.