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3 Steps to Begin Your Credit Recovery & Building Process!

For us to start your credit recovery process we need your credit reports. For $1 get access to your reports, scores and our secure client portal to generate your tailored Credit Analysis.

1) Gain Access To Your Secure Client Portal

Let’s start by setting up your Client Access Portal.  Check your email to login to your account.

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    2) Sign Up for Identity IQ

    After you have submitted your account information with us, pull your report with Identity IQ.


    3) Log In to Your Secure Client Access Portal

    Submit your Identity IQ Username & Password along with the last 4 digits of your SSN to receive your analysis.


    Your Credit. Your Control.

    Building your credit and maintaining it starts with education!

      Start By Learning More About Credit

      Let’s begin! Gaining control of your credit starts by understanding what credit is and how it impacts you! Submit your information below to download our Credit Analysis Report and first 4 Chapters of our Credit Academy Book.

      Download Our Credit Education Book & Sample Credit Analysis Report

      Our Process


      Having Insufficient Credit or no credit is another challenge that millions of people face. Typically, when a person has major credit issues, lenders close existing accounts that have late payments and fall into collections. Therefore, we give our clients an instant guaranteed approval of an Unsecured Line Of Credit to begin rebuilding their credit profiles.


      Of the 3 million Identity Theft and fraud reports received in 2018, 1.4 million were fraud-related, and 25% of those cases reported money was lost. In 2018, consumers reported losing about $1.48 billion related to fraud complaints, an increase of $406 million from 2017. All clients receive credit/identity theft protection up to $1 million in identity theft insurance with $0 deductible.


      The fact is that 70% of all credit reports have errors on them and these errors often stay on a your report for 7-10 years. We are experts in identifying and deleting accounts that are erroneous, inaccurate and unverifiable. Removing negative accounts gives clients the opportunity to provide a positive picture to lenders.


      Individuals & Couples Credit Recovery Plans

      The Credit Builder+ is our most effective package for bringing credit scores up 100+ points. It provides all the tools of Restoring, Building, Protecting, and Debt Settling.


      Business Credit

      Did you know 95% of Business Owners do not build out here Tax-Id # or EIN? Separating your Personal and Business Credit can be the key to your business growth.

      Our Google Reviews.

      Our customers love us. You will too!

      We Raise the Credit. We Raise the Community!

      STOP Letting Your Credit, Hinder Your Financial Freedom

      Kredit Koncepts is celebrating it’s 13th year helping Americans with credit recovery, credit building and credit protection. We have built a reputation for excellence by treating each client with empathy, as we diligently work to increase their credit score. Our honest application of experience and innovation, has allowed us to keep our promise to thousands of clients.

      Years in Service
      Customer Satisfaction

      Our Initiatives

      Ensuring Communities Have Access To Credit Education Is Our Top Priority!

      Kid Kredit

      The “Protect Our Kids” campaign provides discount Annual Memberships for Credit Report Alerts, Fraud Protection, up to $1 Million in coverage and other tremendous benefits.

      R.A.R.E. Foundation

      Restoring America through Recovery Education (R.A.R.E.) is a non-profit foundation that provides under-served
      communities with the tools for success and training for long-term financial recovery.

      Raise The Credit

      Our Mobile Credit Education Center helps to build strong relationships that include local volunteer organizations and business owners.

      Credit Academy

      The Kredit Koncepts Credit Academy’s “Credit Education Program” (C.E.P.) will educate students about personal credit, identity theft, budgeting and personal finance.

      Join Our Affiliate Program!

      Are you a social media influencer, network marketer or socialite? We have a great platform for you to join which includes scripts social media content and a landing page to help your audience build their credit while you earn!

      Get your first month of services free with your referral.

      Consult Me!

      Credit Education Centers

      Ensuring communities are aware of Credit is our top priority!

      Harlem 125th, NY

      2 W 125th St New York, NY 10027

      Bronx, NY

      1175 Castle Hill Ave The Bronx, NY 10462

      Credit Education Center

      1175 Castle Hill Ave

      The Bronx, NY 10462

      Credit Education Center

      2 W 125th St

      New York, NY 10027

      Corporate Headquarters

      55 Water St 50th floor,

      New York, NY 10004

      Business Hours

      Mon – Fri: 10 AM – 5 PM
      Sat and Sun: Closed


      1 (800) 985-9367


      Nationwide Service

      Our portal allows you to communicate with our credit professionals anywhere in the World!