Hi, I’m Kevin Romero · @kevinthecreditguy

Stop getting turned down.
Start getting approved.

79% of credit reports have errors costing 50+ points. If you’ve been turned down for a mortgage, car loan, or credit card lately, the reason probably isn’t you. I went from a 487 score to fixing it for 2,400+ people. Let me show you what’s on yours — free, in 20 minutes.

5.0 on Google · 70+ reviews · 2,400+ members · +87 pts avg lift

Based on internal member data, 2024–2026. Individual results vary and depend on the items on your report. The 79% figure is from the FTC’s 2012 study on credit report accuracy.

5.0 on Google

70+ verified reviews

Kevin Romero · Founder

@kevinthecreditguy

+87 pts

Avg Score Lift

2,400+

Reports Fixed

5.0★

Google Rating

30–45d

To First Removal

The cost of doing nothing

Every month you wait, bad credit is silently charging you.

You don’t feel it line by line. You feel it the day the answer is “sorry” instead of “approved.” Here’s what your score is costing you right now:

$86,000

Extra interest on a 30-year mortgage at a 580 score vs 760.

2.1×

The APR you pay on a car loan with sub-620 credit. Same car, same income.

43%

Of employers pull credit before a hire or promotion.

$1,200

More on auto insurance every year while your score stays where it is.

Most credit repair companies send letters the bureaus dismiss in 15 seconds. We file violations the bureaus are legally required to answer.

Kevin Romero, Founder

Why most credit repair fails

Other companies write letters. We file violations.

80% of consumer disputes get dismissed because they don’t cite the right violation. We don’t write “please remove this” letters. We file Metro 2 compliance violations — the data-reporting standard every furnisher is legally required to follow. They either prove it, fix it, or it comes off. That’s why members see removals in cycle one.

Audit every line

The average credit report has 7 errors most people never see. We pull all three bureaus, audit every account against the Metro 2 standard, and flag the violations costing you points.

Line-by-line Metro 2 compliance check
Experian, Equifax, TransUnion side-by-side
FCRA & FDCPA violation review

Battle by the rulebook

Each dispute cites the exact Metro 2 violation in language the furnisher is legally required to answer. No template letters. No “I don’t recognize this” nonsense. They prove it, fix it, or it comes off.

Bureau + furnisher dual disputes
CFPB & State AG escalation if stalled
Every move tracked in your portal

Construct the approval

Removing the bad is half the job. The other half is building a file lenders actually want to approve — the same prep that got 2,400+ members their next yes.

Positive tradeline strategy
Utilization & mix coaching
Pre-approval prep for your lender

Your first 45 days

Here’s exactly what happens.

No high-pressure scripts. No mystery. Calendar dates, not vague promises.

Today

20-min review with a specialist

Free, no card, no pitch. We pull your three bureau reports together and tell you what’s actually costing you.

Days 1–7

Your custom dispute plan

You see every error, the exact Metro 2 violation, and the order we’ll attack them. Approve before we file.

Days 7–30

First disputes hit all 3 bureaus

We handle the paperwork, deadlines, and follow-ups. You watch every move from your portal in real time.

Days 30–45

First removals start hitting

As items fall off, we coach tradelines, utilization, and approval timing. Stay until you don’t need us.

Kevin Romero at his desk in Riverside, California

Founded 2020

2,400+ members helped since

More about Kevin

The guy who built this was you, once.

“I had a 487 score. I’ve been the guy getting told no at the dealership, at the bank, at the apartment. I built this company to do for you what I had to figure out for myself.”

Kevin worked warehouse shifts in Southern California with a 487 score, watching doors close before he could knock. March 2020, the hours dried up. He sat down, read the Fair Credit Reporting Act, and learned what most credit repair companies still don’t know: the Metro 2 reporting standard. He fixed his own report. Then his family’s. Then his friends’. 2,400+ members later, he still personally reviews every new plan.

Lived it. 487 to 780 on his own report, before he knew anyone else.
Built it right. Metro 2 specialist firm. Faith-led, family-run, Riverside CA.
Reviews every plan. Yours included. Not handed off to a call center.

What members actually say

5.0 on Google. Read why.

Real Google reviews from real members. Last names abbreviated for privacy — full names visible on Google.

578742

“I spent 8 months with another credit repair company and got zero removals. Kevin’s team got 11 items off in the first cycle. I bought my house in May.”

Sarah J.

Houston, TX · via Google

612728

“Kevin actually got on the first call himself. No bait and switch, no call center. Walked me through every single item before charging a dollar. Approved for the truck financing two months later.”

Marcus T.

Dallas, TX · via Google

541693

“I’d been disputing on my own for over a year with no luck. Found out from Kevin’s team that I wasn’t citing the right violation. First Metro 2 dispute they filed for me removed a $3,400 collection that had been sitting there since 2019.”

Alicia R.

Phoenix, AZ · via Google

Reviews above are representative member outcomes. Last names abbreviated for privacy. Individual results vary based on the items on your report and the response of furnishers and bureaus.

5 questions, 60 seconds

Let’s find out if we can help you.

If you’re a fit, you’ll see Kevin’s team calendar to book. If you’re not, we’ll tell you straight — no sales pitch, no card, no follow-up calls.

Here’s exactly what you get when you book:

20-minute Metro 2 audit on all 3 bureaus (value $297)
Custom dispute plan — see every move before we file
50% off enrollment if you decide to move forward (save up to $497)
Zero card. Zero commitment. Cancel any month, only pay for work performed.

Total value: ~~$794+~~ → $0 to find out

Backed by our 100% risk-free guarantee

See if we can help you — 60 sec

5 questions, then pick a time on Kevin’s calendar

12 people booked a free review this week · 23 slots open

Step 1 of 5

Are you a U.S. citizen?

Quick fit check — takes 60 seconds total. No personal info needed yet.

← BackStep 2 of 5

Do you currently live in Georgia?

State licensing rules prevent us from working with Georgia residents.

← BackStep 3 of 5

Is your monthly income above $3,000?

A baseline of income is needed to make meaningful progress on a credit plan.

← BackStep 4 of 5

Are you currently in active bankruptcy proceedings?

An open bankruptcy case has to be discharged before credit repair can begin.

← BackStep 5 of 5

Are you currently enrolled in a debt settlement or consolidation program?

These programs interfere with the dispute process. They need to be closed before we can help.

You’re a fit. Pick a time below.

Your free 20-minute review with a credit specialist. We’ll pull your reports together and walk you through what we’d remove.

We can’t enroll you today — but we can still help.

Based on your answers, our program isn’t the right next step for you today.

Get Kevin’s “7 Errors Killing Your Score” guide — free

The exact Metro 2 violations to look for, what to send, and how to escalate. Save this for when you’re ready.

No spam. Unsubscribe any time.

Start over

We use your answers only to confirm you’re a fit. Your info is never sold.

100%

Risk Free

Our promise to you

If we’re not making your file better, you don’t pay.

No legitimate credit repair company can guarantee a specific point increase — the law actually forbids it. Anyone who promises that is lying. Here’s what we can guarantee:

$0 to start. No card on file. Ever.
See every dispute before we send a single one.
Walk away any month with no penalty, no contract trap.
Only pay for work performed. No dispute, no charge. Simple.

Common questions

Straight answers, no fine print.

Why can’t I just dispute these myself?

You absolutely can — and we’ll tell you how on the call if your situation calls for it. The honest reason 80%+ of consumer disputes get dismissed: people don’t cite the right legal violation. We dispute against the Metro 2 reporting standard in the specific language furnishers are required to answer. That’s the difference between “please remove this” and “you are out of compliance with section X, remove it or face escalation.”

I’ve tried credit repair before and nothing worked. Why is this different?

Because most companies send template letters the bureaus have already seen 10,000 times. They get auto-dismissed in 15 seconds. We file Metro 2 compliance violations — the actual data-reporting rulebook. Members who spent 8 months with another company and got zero removals often see their first removal with us in cycle one. Not because we’re magic. Because the industry is lazy and we’re not.

How long does this take? I need it fixed by [date].

First removals usually hit at days 30–45. Full programs run 4–8 months depending on how stacked your report is. If you’re trying to close on a house or a car by a specific date, tell us on the call. We’ll tell you honestly whether the timeline works — and if it doesn’t, we’ll save you the money.

Is this legal?

Completely. The Fair Credit Reporting Act explicitly gives you the right to dispute anything on your report. The Metro 2 reporting standard is published by the CDIA. We’re using the bureaus’ own rulebook against the errors they let through.

How much does it cost?

The review and the audit are free. If you decide to enroll, pricing depends on scope and we walk through every number before you commit. No surprises, no hidden fees. New clients booking this week get 50% off enrollment.

Do you guarantee specific point increases?

No, and you should run from anyone who does — that promise is actually illegal under the Credit Repair Organizations Act. What we guarantee: the work, the communication, your right to cancel any month, and that you only pay for disputes we actually file.

What if I have bankruptcies, collections, or charge-offs?

That’s who we’re built for. Most of our members come in with collections, charge-offs, and judgments on their file. We can’t remove items that are accurate and properly reported — but most of these aren’t. Your free audit will tell you exactly what’s removable in your situation.

Will disputing items hurt my score?

No. The act of filing a dispute does not lower your score. When inaccurate items are removed or corrected, your score almost always goes up.

Your move

The next “approved” could be yours.

60 seconds to see if we’re a fit. 20 minutes to know exactly what’s possible. Zero risk either way.

$0 to start · No credit card · No contract · Cancel any time · 5.0★ on Google