KC Credit Services

What KC Credit Services does

KC Credit Services (legal name Kansas City Credit Services Inc.) is a privately held credit consulting and credit restoration firm founded in 1991 and headquartered at 2016 Swift St, North Kansas City, Missouri. The company serves U.S. consumers with credit challenges (collections, charge-offs, late payments, repossessions, bankruptcies, judgments, tax liens, identity theft-related inaccuracies) and small business owners seeking to build business credit separate from personal credit. It is owned and operated by President Donna Perkins, who also serves as Secretary on the Board of Directors of the National Association of Credit Services Organizations (NACSO). The firm is licensed and bonded with the Missouri Division of Finance and BBB accredited.

The company's core technology is a credit restoration and dispute management workflow built on the third-party DisputeComposer platform, supporting a secure client portal (secure.disputecomposer.com), forensic credit report audits across Equifax, Experian, and TransUnion, debt validation with creditors, and ongoing credit monitoring. Service delivery is human-expert-led via a Personal Credit Concierge model rather than automated, and the company offers a tiered product suite: Platinum Plus (premium comprehensive), Platinum (standard full-service), Gold (accelerated for time-sensitive purchases, $699 + $199/month), and a Business Credit Program that includes DUNS number acquisition and guaranteed $50,000 in business credit lines within 6 months, plus ancillary Financial Fitness and Credit Education modules and an industry-first 5-year guarantee on credit improvement.

The revenue model is subscription-based with upfront enrollment fees and recurring monthly billing (in arrears). Go-to-market is sales-led through direct phone-based inside sales, complemented by a content/SEO-driven digital funnel, social media presence, and a referral channel built on relationships with mortgage companies and financial institutions nationwide. Lifetime customer count exceeds 110,000, though active subscriber volume is not disclosed. The company has operated continuously for 33+ years with a 1-10 employee headcount and no disclosed institutional investment, M&A, or external funding.

Name

KC Credit Services

Legal name

Kansas City Credit Services Inc.

Website

https://kccreditservices.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

1–10 employees

Short description

KC Credit Services is a North Kansas City-based, privately held credit consulting and restoration firm that has served 110,000+ U.S. consumers and small business owners since 1991 through subscription-based credit repair programs.

Ownership category

akta.pro rank

Product category

Credit Repair Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureau Reporting & Dispute Management Support (FCRA/CRA Ops) (BPAAAEAI)

akta.pro secondary industry

Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN)

Keywords

• Credit repair services
• Credit restoration consulting
• Credit report disputes
• Debt validation services
• Business credit building

Headquarters

HQ city

North Kansas City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Credit Restoration Services - Subscription: Monthly subscription-based credit repair and restoration services with tiered program options (Gold, Platinum, Platinum Plus, Business Credit). Customers pay initial consultation fees plus recurring monthly fees for ongoing service delivery, credit monitoring, and dispute management.
2. Professional Consultation Services: Initial credit consultation services that determine customer needs and program suitability. Fee-based professional assessment before enrollment in ongoing programs.
3. Gold Program - Accelerated Services: Premium tier credit repair program with accelerated timelines for consumers with impending home purchases, refinancing, or loan restructuring needs. $699 initial fee plus $199/month ongoing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

KC Credit Services is a credit consulting and credit restoration firm that performs forensic audits of consumer credit reports and files disputes with the three major credit bureaus (Equifax, Experian, TransUnion) to remove inaccurate, unverifiable, or outdated items. The firm also offers debt validation, business credit profile building, and creditor negotiations through tiered subscription programs (Platinum Plus, Platinum, Gold, and Business Credit). Services are delivered remotely across the United States via phone consultations and an online client portal.

Product overview

KC Credit Services offers a tiered credit repair and restoration service portfolio anchored by four main subscription programs: Platinum Plus (premium), Platinum, Gold (accelerated), and Business Credit. All personal credit programs include forensic credit audits, 3-bureau corrections, Personal Credit Concierge services, and credit line access. The Platinum Plus adds debt validation and exclusive education; Gold prioritizes speed for imminent major purchases; Business Credit focuses on building commercial credit profiles. The company supplements its core services with Credit Education and Financial Fitness modules. Founded in 1991, the company has served over 110,000 customers nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• Platinum Plus Program
• Platinum Program
• Gold Program
• Business Credit Program Subscription business credit building program that creates a business credit profile, enables credit lines without personal guarantees, includes DUNS number acquisition, guarantees $50,000 in business credit lines within 6 months, and provides access to more than 2,900 funding sources. Targeted at entrepreneurs and small business owners who need to establish or improve business credit.

Quantifiable outcome

• Over 110,000 customers helped restore their credit profiles
• +3 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• National Association of Credit Services Organizations (NACSO)coreOthersVoluntary oversight organization for the credit repair industry. KC Credit Services is a member and certificate holder, with owner Donna Perkins serving as Secretary of the NACSO Board of Directors. Company adheres to NACSO guidelines and compliance requirements.
• Mortgage Companies and Financial InstitutionscoreChannel Partner/ Reseller/ DistributorEstablished referral network with mortgage companies and financial institutions across the country. These partners refer credit-challenged customers to KC Credit Services before loan closings, creating a steady stream of qualified leads. Growth has been achieved nationally through word of mouth and these institutional partnerships.
• Better Business Bureau (BBB)minorOthersBBB accredited business with Kansas City office. Displayed as credential and trust signal on website. Outstanding record maintained with the BBB.
• Missouri Division of FinanceminorOthersLicensed and bonded with the Missouri Division of Finance as required regulatory compliance for operating as a credit services organization in Missouri.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• The Credit People: Subscription-based credit repair firm offering 3-bureau disputes and creditor interventions to consumer customers. Comparable to KC Credit Services in service catalog, monthly subscription pricing, and target customer profile.
• Lexington Law: One of the largest and most established U.S. credit repair firms, offering subscription-based credit restoration, dispute filing, and creditor intervention. Direct competitor to KC Credit Services with similar program structures, pricing tiers, and FCRA-based dispute methodology.
• ScoreSense: Consumer credit monitoring and credit improvement service offering score tracking, identity protection, and educational resources. Smaller-scale peer comparable to KC Credit's Platinum Plus tier in feature set and target customer.
• Credit Saint: Tiered credit repair service (similar to KC Credit's Platinum/Platinum Plus tiering) targeting consumers needing dispute, validation, and score improvement services. Direct peer in pricing model, customer segment, and FCRA-based dispute workflow.
• Ovation Credit Services: Long-standing credit repair firm (originally acquired by LendingTree) offering credit restoration, debt validation, and identity protection services. Comparable to KC Credit Services in legacy positioning, service depth, and consumer credit-recovery focus.
• Sky Blue Credit Repair: Subscription-based credit repair service offering 3-bureau disputes, score tracking, and creditor interventions. Closely comparable to KC Credit Services in service delivery model, target customer (consumer with negative items), and subscription pricing structure.
• USA Credit Guide: Smaller subscription-based credit repair firm offering 3-bureau disputes and credit score improvement. Comparable to KC Credit Services in scale, subscription pricing model, and customer target.

Broad incumbents

• Experian: One of the three major U.S. credit bureaus operating Experian Boost and consumer credit services. While not a credit repair firm per se, it operates in adjacent consumer credit-improvement services and indirectly competes with KC Credit's dispute and correction workflow.
• Credit Karma: Free credit monitoring, score tracking, and dispute assistance platform owned by Intuit, serving tens of millions of consumers. Overlaps with KC Credit Services' consumer base but competes on price (free vs. subscription) and represents a structural threat to paid credit repair economics.
• Equifax: Major U.S. credit bureau offering consumer credit monitoring, identity protection, and score-improvement products. Competes indirectly with KC Credit Services as one of the three bureaus KC Credit disputes items with, but also offers consumer-facing services that overlap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Restoringcredit
• Facebookfacebook.com/Kansas-City-Credit-Services
• LinkedInlinkedin.com/company/kansas-city-credit-services

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KC Credit Services