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 Get your free credit reports here! Philadelphia residents have you been denied credit? Are you paying too much in insurance? Did you get that job or promotion? If you answered NO to any of the above questions we can help you get your life back on track.

While these laws give you a way to address credit issues on your own, acting on them takes more than a letter, a stamp and crossed fingers, it takes experience and perseverance. Many who try to repair their own credit are discouraged by a series of road blocks that lead them to end their fight for fair credit in frustration and despair. 

• 100% Client Satisfaction Refund Policy
 • We do not outsource our work. Everything is done “in house”.
You’re entitled to a free report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. The three companies have a central website, a toll-free telephone number, and a mailing address for consumers to order the free annual credit reports the government entitles them to. 
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We empower all of our clients to take control of their financial situations by advising them of their important Credit Reporting rights and ensuring that their personal credit information is reporting according to the laws that protect them! We have documented experience and a proven track record of enabling the techniques and laws that protect our clients' rights and inducing the investigation and permanent deletion/correction of many different types of accounts.
ensure that your personal credit information is reporting according to the laws that protect you! Did you know: Over 73% of American consumers' Credit Reports are listing at least one damaging error right now? Additionally, the Credit Bureaus are constantly reported to the Attorney General's office and the Federal Trade Commission for the violations of consumers' rights. It makes common sense to check your Credit Reports for accuracy once or twice per year!
Additionally, the amount of extended credit (secured and unsecured credit/debt, and credit cards), income, and other factors also apply. There is obviously a direct relationship between removing bad credit reported items, and increasing your FICO Scores. We have been very successful in raising credit scores for our clients by applying professional credit repair applications and systems that surpass industry standards. 

A credit score of 680-700 used to be enough to get great loans and mortgage rates, as well as credit cards with low APRs, but since the Financial Crisis of 2008, many lenders have raised their expectations of consumers, making it hard to get good loans and credit extensions with a score under 720-730. To obtain scores of that caliber, one must not only be financially responsible with paying on time, but also cautious in the utilization of credit.


 
 

Service!

Our Vision is to offer the best products and services to our customers. To always exceed customer expectations resulting in customer delight. Our mission is to provide highest possible quality at the right price.

Our commitment to offer nothing but the very best is reflected in our vision & mission statements. We exist because of our customer and we are very grateful to our customers who have made us what we are today. We now strive to take our organization to the next level so that we can serve our customers even better and continue to keep them fully satisfied.

 
Welcome to kennyrealz360waves.com The company you can trust. Communication is the best resolution to most online disputes. We believe if you just communicate with each other most situates are resolved long before a dispute should start. We beleive in customer complete satisfaction.
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