We fix your credit so you can start getting more "yeses" and fewer "no's."

A better credit profile opens doors to homeownership, better financing, lower payments, and financial freedom.

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Results

What we have done for our clients

How We Fix Your Credit

Credit Analysis

We conduct a comprehensive review of your credit reports to identify negative items, reporting errors, and opportunities to improve your credit profile.

Create Customized Action Plan

Based on your unique credit situation, we create a personalized strategy with clear steps designed to help you achieve your financial goals.

Monitor Results

We track your credit improvement throughout the process, provide updates, and adjust your strategy as needed to keep you moving toward better results.

STILL NOT SURE?

Frequently Asked Questions

Here's what we usually get asked

What type of negative items can you remove?

Late Payments, Collections, Charge Offs, Repossessions, Bankruptcies, Medical Bills, Evictions, hard Inquiries

Is this legal?

Yes, credit repair is legal. Federal law gives consumers the right to dispute information on their credit reports that is inaccurate, incomplete, or cannot be verified. Credit bureaus and data furnishers are required to investigate valid disputes and correct or remove information that cannot be verified.

How long does it take to see results?

Every file is different, but you can expect to start to see results within 30-45 days.

What's it like to work with you?

Collaborative, honest, and transparent. You will have access to the process every step of the way. We're here to guide the process, bring ideas to the table, and keep things moving forward.

How long is the credit repair process?

Again, every file is different but it can take anywhere from 3 months to a year depending on your file and on your goals.

MEET THE FOUNDER & CEO

Hey, I'm Karina

My journey into credit repair is personal.

There was a time when I struggled with bad credit myself. After going through a divorce, I experienced firsthand how overwhelming financial setbacks can be and how much your credit can affect every aspect of your life—from qualifying for a home or vehicle to simply feeling confident about your future.

As I worked to rebuild my own credit, I realized that many people don't fail because they don't care—they fail because they were never taught how credit works. That experience inspired me to learn everything I could about consumer credit laws, credit reporting, and the steps it takes to build a stronger financial foundation.

I founded KPS Legacy Credit because I wanted to help others avoid the same struggles I faced. My mission is to educate, empower, and guide individuals and families through the credit restoration process with honesty, transparency, and personalized support.

I believe that better credit creates more opportunities, stronger families, and lasting financial freedom. Whether you're recovering from a divorce, financial hardship, or simply trying to improve your credit, I'm here to help you take the next step with confidence.

Because I've been where you are, I understand that this journey is about more than just a credit score—it's about creating a better future and building a legacy.