Credit Recovery Service by The USBA
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These guys are absolutely phenomenal and 100% real. Kredit Koncept has rebuilt my entire financial house. I literally had a credit score of 500. In less than one year my score dramatically increased over 100 points. They were able to remove all negative credit reports, got me approved for school loans and auto loans, and turned a lot of "No" into "Yes." An exceptional job well done. Thank you, Quincy Luzunaris, and the entire Kredit Koncepts team!!!!

Soomkin Bleus


$5995  ($475 Value)

Exclusive Pricing for The USBA

List Price: $149.95

Bounce back with Personal Credit Recovery – because everyone deserves a fresh start and a credit do-over.

This package includes:


✅ Free Membership  with The USBA ($25 value)

✅ 1 Year Equifax Complete™ Premier ($300 value)

✅ Email Support

Client Dispute Portal

Credit Building Education

✅ Expert Credit Improvement

✅ Unlimited Dispute Assistance

✅ 3-Bureau Credit Reporting Monitoring

✅ 3-Bureau VantageScore® Credit Scores

✅ $1M of Identity Theft Insurance

✅ 100% Money Back Guarantee


This monthly credit recovery program provides unlimited disputes, expert financial advice, and credit education. We provide tools to challenge and advocate for your rights to accurate credit reporting according to the FCRA. We help remove unverifiable negative and derogatory items from Equifax, Transunion, and Experian. You receive updated credit reports with guaranteed results in realistic timeframes.

How to get started

Click "Add To Cart" to control your financial future. Start today by repairing your credit reports.

Here's exactly what you'll get
  • Enrollment in The USBA Credit Recovery Program, powered by Kredit Koncepts
  • Assessment audit of your credit report, detailed list of derogatory items, and recommendations for further improvement.
  • Free Basic Membership in The United Small Business Alliance (The USBA)
  • Access to Exclusive Member Events, Workshops, and Wellness Services by The USBA.
  • Credit and Identity Theft Monitoring and Protection.

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Personal Credit Challenges

80% of all credit reports contain errors that can lead to denial of credit. Is yours one of them?

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 by improving scores.

The Root of the Problem:

  • 34% of credit reports contained serious errors that could result in the denial of credit*
  • 29% of consumers found personal information errors in their credit reports**
  • 16% of Americans (53M) have poor credit (300-579 FICO Scores)***
  • 10% of consumers found accessing their credit reports was “difficult” or “very difficult.”**

* Source: U.S. Public Interest Research Group Survey

**Source: 2021 Consumer Report Survey

*** Source: Experian’s 2019 Consumer Credit Review


How It Works

Step 1

Where Do You Stand?

We view your credit report to analyze the list of credit accounts, discuss the targeted areas of concern with you, and create an action plan specifically for your situation.

Step 2

Ensure Reporting Accuracy

We will request that your creditors validate all inaccurate reporting. If they fail to do so, we proceed with challenging those accounts and remarks, prompting their removal. The credit bureaus are required to respond within 45 days for each dispute.

Step 3

Maintain and Build

We will guide you on how to make sure your new score not only is stable but will give you tips and inside industry knowledge on how to increase it even more. You will have identity protection alongside daily credit monitoring.

Be a Winner

What Our Clients Are Saying

★ ★ ★ ★ ★

"Kredit Koncepts has been my go-to for all my credit needs for two years now"

When I first started working with Quincy my credit was NOT good. A few months after working with Quincy, my credit score changed drastically and he made it easy to understand the process each step of the way.  My credit is finally where it needs to be! I appreciate the great customer service and it’s nice to know I have a dependable company that I can rely on for my credit and financial needs.


Melanie Barber

★ ★ ★ ★ ★

"They helped me improve my credit quickly"

Kredit Koncepts has the best people to fix your credit, but more important to me is, they have a real office in my area to speak to any one member in the office, it is a real person and very, very talking clear how they can help anyone like me how quickly they have improved my credit. Another very important is they have the patience to attend to me every time I visit this nice office, so no more confusion for my credit. I can go in or write them an email and they get back to me promptly thank you so much Kredit Koncepts1

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Dalia Feliciano

★ ★ ★ ★ ★
"Some companies tell you they can fix your credit but most can’t guarantee results"
The folks at Kredit Koncepts live up to their motto. They have helped my mom, siblings, and other family members improve their credit scores at way more affordable prices than any other company. I purchased a plan for my mom last year and in a short time, she told me her score JUMPED to 720!!! I couldn’t believe it. She said she hadn’t seen it that high in many years. I’ve recommended so many people to them. They are good and care about helping people achieve financial recovery from poor or bad credit/debt. Their formula works. I even love the fact that they give back to the community with their nonprofit support. That makes me value them even more. I’m a witness to their successful results. Keep up the great work! guys.
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A-Nadyah Sharrieff

★ ★ ★ ★ ★

"I am now able to do things I never thought I could"

I have been having issues due to a lack of knowledge about credit scoring and its importance in earlier years. It caused a few issues in adulthood. But when joining Kredit Koncepts, I am now able to do things I never thought I could. I was just able to purchase my very first brand-new 2018 vehicle! I'm looking forward to continue working with them on my credit and my very first brand new home is next! Thank you Kredit Koncepts!

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Tamika Rouse

★ ★ ★ ★ ★

"Simply awesome!"

When looking for a company to handle your most urgent needs in life, I found Kredit Koncepts promptly handled my concerns when it came to my credit issue they made me feel at ease knowing I was on my way to credit recovery. Able to track my progress and always able to ask questions and get results! Thanks, Kredit Koncepts for getting me back on track!

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Saucey Vaughn

★ ★ ★ ★ ★

"They gave me another opportunity in life"

Kredit Koncepts is everything anyone could hope for from a business. They provided honesty and results. They gave me another opportunity in life by bringing life to my credit history. Agustina was patient and great at communicating the process. NEVER felt uncomfortable, never felt like their goal was to take my money, and always felt like they had my best interest. And the results show that they did. Thank you, thank you very much, guys!!!!

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Izyandro Ramirez

★ ★ ★ ★ ★

"I am grateful for The Kredit Koncepts team"

Most people take for granted how credit can affect your life in a good and bad way. I’ve learned the hard way and am so absolutely grateful for The Kredit Koncepts team and especially thankful for Quincy who worked tirelessly on my behalf with not only improving my credit but preventing a garnishment. I can’t thank him enough but to show my gratitude I have & will recommend any and everyone to Kredit Koncepts.

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Lynette Williams

★ ★ ★ ★ ★

"I am so excited about the results that I have gotten"

They have worked so diligently on my credit and I am seeing the results. I love that I can go into my portal and keep up with my progress. My score has shot through the roof. Thank you Kredit Koncepts for all of your hard work.

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Michelle Jennings

★ ★ ★ ★ ★

"I thought it was a waste, I was wroing"

I have to say that originally, I thought it was a waste because I thought it was a quick fix and got frustrated with the process. But I was called directly by Mr. Quincy who explained the process which gave me a better understanding. He was more than professional with me and gave me hope in the process. Even refunded me and offered to continue on my credit case and pay him when he gets the results. Now That's Amazing.

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Terrick Horsley

★ ★ ★ ★ ★

"If you want your credit fixed, this is the place"

By experience I can say that they were the best, they work on it month by month and you’re able to see the beautiful result. I’m very thankful for their amazing job... my credit score was 592 and now is 715 and counting lol... Honestly is a great investment you can make for yourself, you’ll thank me later.

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Melissa Reyes


What Does the Service Include?

The USBA Credit Recovery program provides services for improving individuals' creditworthiness by addressing and resolving any negative items on a credit report. This can include removing negative items, disputing inaccurate information, and negotiating with creditors to resolve any negative items that still need to be removed in the recovery process. 

How Long Does Credit Recovery Take?

The duration of credit recovery can vary depending on the number of negatives on an individual's credit report. It can take anywhere from 4-6 months to see significant improvements in credit scores.

What is my 100% Money-back Guarantee?

Here at The USBA, if our vendor is unable to remove, fix, or correct any of the obsolete, unverifiable, incorrect items that you hired them to work on for you, from any of the 3 main Credit Bureaus (Experian, Transunion, and Equifax) after 180 days (6 months) of enrollment in the program, you are entitled to a 100% Money Back Guarantee of all your payments.

Can I Repair My Own Credit?

Yes, it is possible to repair your credit on your own. However, it can be a complex and time-consuming process. Many people choose to enroll in with credit recovery programs like those offered by The USBA because they specialize in quickly navigating the credit recovery process, with extensive experience working with credit bureaus and creditors to drive results.

What inaccurate items will we help remove?
  • Inquiries
  • Student Loans
  • Repossessions
  • Evictions
  • Tax Liens
  • Late Payments
  • Short Sales
  • Foreclosures
  • Medical Bills
  • Short Sales
  • Judgements
  • Late Payments
  • Bankruptcy
  • Charge Offs
  • Public Records
Will items that are removed come back?

In rare circumstances, items deleted from your credit reports can reappear even after the removal resolution process. This practice is referred to in the Fair Credit Reporting Act (FCRA) as "reinsertion". In these instances, you would alert us and we will take due diligence to resolve the matter.


The Credit Building Framework


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


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 access to over one thousand Seasoned Tradelines (AU’s) 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 with up to $1 million in identity theft insurance with $0 deductible.


Personal Credit Recovery

Your Credit. Your Control. Helping America Recover from Credit Injustice


Kredit Koncepts Financial Services has assisted individuals and businesses with credit recovery, credit building, and support for over 15 years. Let them help you get the credit score and gain access to the credit products that you deserve.

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