We provide free consultations to individuals who meet a specific criteria. To determine if you qualify for a free consultation, please reach us out via the following official channels: 

• Live Chat 
• Website Contact Form 
• CTA Buttons for Booking in the Website
• Official Tiktok Page 
• Email: [email protected] 
• Official Instagram Page 

We are committed to assisting individuals in improving their credit, and we strive to make our services accessible to as many people as possible. 

If your situation needs assistance, we will send you a booking link via email or through our secure messaging platform. You can click on the provided link to access our scheduling system and choose a convenient date and time for your consultation call. This allows you to select a slot that works best for your schedule, making the process easy and tailored to your availability. If the schedule you prefer is not available in the calendar, please let us know so that we can arrange alternative options. 

A typical consultation call in our program lasts for approximately 1 hour. These consultations are conducted through Microsoft Teams, providing a convenient and secure platform for us to discuss your credit situation and address any questions or concerns you may have. During this hour, we will thoroughly evaluate your credit profile and provide you with valuable insights and guidance on the steps needed to improve your credit. Our goal is to ensure that you receive the personalized attention and information necessary to set you on the path to better credit health. 

A progress review call is a monthly call available exclusively to premium subscribers of our service. During this call, you’ll have the opportunity to connect with a dedicated progress review specialist to discuss your progress and ask any questions you may have.

Think of it as a personalized update session where you can:

• Get personalized updates: Your specialist will review your credit report and explain any recent changes, progress made, and upcoming steps.
• Ask questions: Have any burning questions about your process? This is your chance to get clear and specific answers tailored to your situation.
• Discuss concerns: Feeling unsure or needing reassurance? Share your concerns and receive personalized guidance from your specialist. 

Few Points to Remember

• Progress review calls are available once a month for premium subscribers only.
• Each call lasts approximately 30 minutes
• To schedule your call, email our customer support team at [email protected]
• Come prepared with any specific questions or concerns you want to discuss. 

We understand that scheduling conflicts can arise, and you might have missed your previous progress review call. Unfortunately, the nature of our progress review calls limits our ability to offer certain accommodations.

Here’s why we can’t offer double bookings or pro-rate calls for missed sessions:

• Dedicated Specialist Time: Each progress review call is allocated a specific time slot with a dedicated progress review specialist. This specialist manage their schedule to ensure efficient use of their time and provide focused attention to each client.
• Maintaining Efficiency: Double bookings or pro-rated sessions would disrupt the flow of the specialist’s schedule and potentially impact the quality of service offered to all clients.

While you can’t reschedule your missed call, you can certainly schedule your upcoming progress review for this month! Here’s how:

• Contact our support team: They can assist you in scheduling your next progress review call
• Prepare for the call: Gather any questions or concerns you have about your progress.
• Maximize your call: Come prepared to discuss your goals and get the most out of your scheduled time.

If scheduling a call within the current month proves difficult, we offer alternative ways to stay informed:

• Email communication: Feel free to send us an email with any questions or concerns you might have. Our team will respond promptly and address your needs. 

After we have assessed your credit report and determined that you indeed need help, you’re ready to begin. Select a service package that aligns with your budget and specific needs. We offer various packages to cater to different financial situations. More details about the package found here: kennyjohnsonuniversity.com. 

Once you have chosen your package, we will send you the payment link. After your payment is processed, we will add you to our onboarding system. You will start receiving email reminders that will guide you through the process. Keep an eye on your email for reminders and instructions regarding the necessary documents we need from you. These documents are essential for our experts to work on improving your credit score.

To begin the process, we’ll require the following information from you:

1. Proof of your current address (we do not accept bank statements as proof of address)
2. A government-issued photo ID. 
3. Your credit monitoring account information (please refer to the onboarding email we sent for specific details).
4. A signed Agreement document (included in the onboarding document)

Once we have these details, we can initiate the process to help improve your credit situation.  

Our onboarding system doesn’t allow us to generate unique links for signing and we only use a general template for all. To sign your Monthly Service Agreement, you have a few options:

1. E-Signature Tool: You can sign the PDF document electronically using an e-signature tool. Simply open the PDF on your device, select the e-signature option, and follow the prompts to add your signature. Or, you can reach us out via email and inform us that you want to sign the document using our e-signature tool. By using an e-signature service, you agree with our Electronic Signature Terms and Conditions. 

2. Print and Scan: If you prefer a physical signature, you can print the document, sign it manually, and then scan the signed copy. Once you have the scanned copy, you can send it to us.

3. Gadget’s Stylus: If you have a stylus for your device, you can use it to sign the PDF directly from your PDF app. Open the document, select the signature option, and use your stylus to add your signature.

4. Finger Signature: In some cases, you can even sign the document with your finger using your gadget’s touchscreen. Open the PDF, select the signature option, and use your finger to create your signature.

Choose the method that works best for you, and once you’ve signed the document, send us the signed agreement via email. You can refer to the following documentation links below on how to sign the document using famous PDF annotation applications. 

After you got onboarded and received a welcome email from us, we expect to receive the requested documents within 72 hours (3 business days). However, we understand that unforeseen circumstances can sometimes cause delays. 

While 72 hours is ideal, we recognize that unforeseen delays might occur. We encourage you to submit all documents within 5 business days of onboarding whenever possible. This is to ensure that can we can submit the dispute letters as early as possible.  

Unfortunately, there’s no equally efficient way to comprehensively monitor your credit reports without direct access. To effectively manage your process, we rely on secure access to your existing credit monitoring accounts. This allows us to:

• Monitor for Changes: We can promptly identify any new negative items added to your report, allowing for faster dispute initiation.
• Track Dispute Progress: We can monitor the credit bureaus’ responses to your disputes and keep you informed of any updates.
• Ensure Accuracy: Regular monitoring helps us verify that disputed items are indeed removed and your credit report remains accurate.

We take your privacy very seriously. Here’s how we ensure the security of your login credentials:

• Secure Login Storage: We utilize industry-standard encryption to protect your login information.
• Limited Access: Only authorized personnel with a legitimate need access your credentials.
• Monitoring Activity: We closely monitor access and activity related to your accounts.

If sharing login credentials remains a concern, we encourage you to review our Policy . 

We don't typically provide the detailed agreement until the payment has been confirmed. Once you've subscribed and your payment is confirmed, you have the full right to review the complete agreement before we proceed with any services. We believe in transparency and want you to be fully informed before we take any action on your behalf.

If you review the agreement after payment and find anything that doesn't align with your expectations or initial discussions, you have the full right to cancel the service and request a complete refund before we sent off your first round of dispute letters. This ensures you can make an informed decision without any risk. 

If you don’t complete the onboarding process by providing all the required documents and information before your next billing due date, we may not be able to continue with the program. In such cases, we will have to cancel your program. We understand that unforeseen circumstances can arise, and we encourage you to sign up again once you have all the necessary documents ready to fully benefit from our services. Please reach out to our support team if you have any questions or need assistance with the onboarding process. 

As soon as your payment is confirmed, you’ll be automatically added to our secure onboarding system. Within just a few minutes, you’ll receive an onboarding email packed with detailed instructions on what documents and information you need to submit for your process including a blank copy of the signed agreement.  

You’ll receive an email confirmation within 24 hours acknowledging your document submission. This email will likely include a summary of the documents received and next steps. We typically aim to finalize the first round of dispute letters within the week after receiving your documents. 

While we strive to address every communication we receive from the credit bureau, it's important to note that many of these responses are often stall tactics or automated messages. However, if the letter specifically references an account or issue that requires attention, we will tailor our response accordingly to ensure it is handled appropriately. 

It’s impossible to predict with certainty how many points your score will increase if a negative item is removed from your credit report. This is because:

• Two Credit Bureaus, Two Models: There are two major credit bureaus in Canada: Equifax and TransUnion. Each bureau uses its unique scoring model to calculate your credit score. This means the impact of removing a negative item can differ slightly between your Equifax and TransUnion scores.
• Individual Factors: Beyond the removed item, several other factors influence your credit score, including your credit utilization ratio, payment history, credit age, and credit inquiries. The impact of the removed item will depend on how these other factors contribute to your overall score.

While we can’t provide a specific point increase, we can assure you that removing inaccurate or negative information can significantly improve your credit score.

Your credit score discrepancy between TransUnion and Equifax can be attributed to the fact that these two credit bureaus use different scoring models and maintain separate databases. Each credit bureau may weigh various factors differently and could have distinct information about your credit history. Therefore, it’s not uncommon for your credit scores to vary between them. 

The reason a negative item that has been removed from TransUnion may still appear on Equifax (or vice versa) is because these credit bureaus use different scoring models and maintain separate databases. Each credit bureau operates independently and collects and reports information from various creditors. As a result, changes in your credit report may not synchronize across all credit bureaus immediately. That's why we monitor and address discrepancies with each credit bureau individually to ensure accurate and up-to-date credit information. 

Our program is designed to help individuals with inaccurate or unverifiable information on their credit reports impacting their credit scores negatively. However, not everyone is a perfect fit for this service. 

Our program primarily focuses on addressing inaccurate or unverifiable information on your credit report. If your credit challenges stem solely from factors like budgeting or debt management, a program might not be the most effective solution.

We conduct an initial assessment to understand your current credit situation. Based on this assessment, we may deny or recommend having a consultation call with us. 

Our goal is to help you achieve your financial goals in the most effective way possible. If our services are not the right solution for your situation, we’ll be transparent about it and explore alternative options that can benefit you. 

Unfortunately, we cannot guarantee specific results. This is because the outcome of your disputes ultimately rests with the credit bureaus (Equifax Canada and TransUnion Canada) after investigating your claims. They have the final say in removing or updating disputed information on your credit report.

It’s illegal and unethical for any company to guarantee specific results. Promising quick fixes or guaranteed success are often red flags for unreliable or deceptive practices. 

It’s absolutely not true that using a credit counselling services will negatively impact your loan applications. Banks and lenders primarily assess your creditworthiness based on your credit score, report history, and other financial factors. They generally do not consider whether you utilized credit counselling services.

Here are some things to keep in mind:

• Companies cannot magically erase accurate information from your report. They can only help dispute inaccurate or unverifiable items and guide you through the process.
• We, as a company, do not report anything to credit bureaus that might indicate your use of our services. This information remains confidential.

Remember, using a credit counselling service is your right to ensure accurate information on your report. It doesn’t harm your application or creditworthiness. 

The duration of our services can vary from person to person. While some individuals may begin to see improvements in their credit score within 3-6 months, the timeline can be longer, depending on the complexity of your credit file and the extent of credit bureau investigations needed. It’s important to note that it is illegal for any service to provide guarantees or promise specific results. Patience and consistent efforts in following the process are key to achieving your desired credit score improvements. 

We strive to keep our clients well-informed about the progress of their journey. For all clients, we offer email support during our business hours, ensuring that you can reach out to us with any questions or concerns, and we’ll provide timely responses.

For our premium clients, we go a step further to enhance communication. We conduct monthly progress review calls with the assistance of our dedicated progress review specialists. These calls provide a more personalized and in-depth overview of your progress, allowing you to discuss your specific case and any updates or changes in detail. This additional level of support is part of our commitment to ensuring you receive the best possible service and stay well-informed about your status. 

We understand you’re looking for a copy of a dispute letter template to help address an issue with your credit report. However, we do not provide copies of the actual dispute letters themselves. Our dispute letter templates are considered proprietary business information. Sharing them could expose us to potential legal risks if misused. 

However, what we do provide are tracking numbers for the letters sent out to the credit bureaus, as well as an Account Dispute List. This document contains a comprehensive list of all the negative accounts that are being disputed with TransUnion and Equifax on your behalf. It serves as a transparent record of the items under dispute and their status throughout the process. 

Updates are primarily made online, while correspondence sent to your mailing address.

• Online Updates: We monitor your accounts from time to time for possible changes. If so, we cross-check it with your Account Dispute List and update it according to the latest information we can see in your credit monitoring accounts. 
• Mail Correspondence: Credit bureaus may send important letters to the mailing address you provided on your credit report from time to time. This could include dispute resolutions, stall letters, alerts about potential fraud, or verification requests. 

We do not recommend applying for any unsecured credit while undergoing our services. Applying for new lines of credit can potentially hinder your efforts, as each application typically triggers a hard inquiry on your credit report, which could negatively impact your credit score. It’s essential to focus on repairing your credit before taking on new financial obligations. If you’re considering applying for a mortgage or loan, it’s advisable to consult with a financial advisor or credit counselor to understand how it may affect your journey. 

Every individual’s credit situation is unique, and there are various factors at play that can influence the outcomes of our efforts. While some may experience significant improvements in a relatively short time frame, others may find progress to be slower or more challenging. 

Factors such as the severity of negative items on your credit report, the accuracy of the information being disputed, the age of the accounts, and your overall financial habits can all impact the effectiveness of our efforts. 

Additionally, the methods and strategies used by different individuals or services may vary, leading to differences in outcomes. It’s essential to stay patient, persistent, and proactive in your journey, and consider seeking guidance from reputable professionals if needed. 

We accept credit and debit card payments. This payment flexibility is designed to make your transactions as convenient and secure as possible. If you have any specific questions about accepted payment methods or need assistance with a particular payment option, please don’t hesitate to email or chat our support team for further assistance. 

After the consultation call, we will send you a secure payment link tailored to your chosen subscription. Simply click on the link, and you will be guided through the payment process. We accept various payment methods, including credit/debit cards and online payment platforms, to ensure a convenient and secure payment experience for our customers.

No, there are no hidden fees or additional charges associated with our program. We believe in transparency, and the only expense you will incur is signing up for a subscription on Equifax for credit monitoring and tax. This subscription is necessary to help us monitor your progress and make the necessary improvements to your credit report during your time with our program. Rest assured, we will not surprise you with any unexpected costs during your journey to better credit. 

Your next payment due will be a month after the initial date of charge, and it will be automatically charged to the credit card you have on file. For example, if your signup date was October 2, then your next payment will be due on November 2, and there’s no need for you to manually make the payment. Our system will handle the billing process for you to ensure a seamless and convenient experience. 

Yes. Your payment information is completely secure when you make a transaction with us. We take the security of your financial data seriously. Our payment processor is PCI-DSS Level 1 compliant as a service merchant provider. This means that we adhere to the highest industry standards for data security. Your payment details are encrypted and handled with the utmost care to ensure your peace of mind while conducting transactions on our platform. 

If you missed a payment, our payment processor will make three attempts to charge the card on file. Additionally, it is designed to send email reminders to you if any payment issues arise. If you haven’t updated your payment information after 5 days from the date of the first failed attempt, your subscription will be automatically canceled and we will remove you from our onboarding system. We recommend promptly updating your payment details or contacting our support team if you encounter any issues to avoid subscription cancellation. 

We understand that financial situations can change, and we want to ensure our services remain accessible. Absolutely, you can downgrade your subscription plan to a more suitable option. 

Here's how downgrading works:

• Simply contact our support team by sending us an email and we'll guide you through the downgrading process.
• Once confirmed, your new plan will be reflected in your next billing cycle.

Important to Note:

• Downgrading to a non-premium plan will remove access to progress review calls. These calls were a benefit exclusive to the premium tier.
• However, you'll still receive all the core benefits of our basic plan, including:
• Dispute letter generation and submission
• Monitoring of credit report changes
• Access to resources and email support.  

To qualify for the money-back guarantee, you are required to stay in the program for a minimum period of time. This is 12 months for both plans. This is to ensure that clients give the process some time to work, as our services typically takes a few months to show significant results. However, you aren’t tied to just 3 or 12 months; you can continue with our services for as long as you like or until we achieve the best possible outcome for your file. The minimum stay is mainly to ensure you have given the process adequate time to see results from disputes. 

Our money-back guarantee has terms and conditions which is fully outlined in your agreement. 

We offer a monthly subscription because our services is an ongoing process that often requires continuous monitoring and dispute efforts. We don’t offer a per-letter or per-document service as our approach involves comprehensive and continuous support tailored to your needs. 

A monthly subscription allows us to:

• Continuously monitor your credit reports: We vigilantly track your credit reports for new errors or inaccuracies that may require disputes.
• Respond to inquiries: Credit bureaus may request clarification during the dispute process. A subscription ensures we can respond swiftly and efficiently.
• Adapt strategies as needed: The process can be dynamic. A subscription allows us to adjust our strategy based on the bureau’s responses and progress. 

We understand your desire for a cost-effective solution. If you’d like to explore our subscription plans in more detail, feel free to contact our support team. They can explain the different plans we offer and answer any questions you might have. 

If you find that the premium subscription is no longer feasible for you, there are a couple of options we can explore to accommodate your needs:

1. Downgrade to Basic Plan: If you’re a premium subscriber, you have the option to switch to our Basic Plan, which is $100/month. With this plan, we’ll continue to dispute directly with the credit bureaus. However, there won’t be monthly progress review calls, and we won’t be sending special letters.
2. Pause Your Subscription: If you need a temporary break from the process, we can pause your subscription for a month to give you some financial breathing room. During this time, no charges will be incurred, and we can resume our efforts once you’re ready. 

Unfortunately, we do not offer refunds for recent cancellations. Our policy states that clients are eligible for a refund only if they have been enrolled in the program for at least a year and have not witnessed any removal of negative accounts during that time. We encourage clients to give the program a fair chance to demonstrate its effectiveness. 

We do not offer refunds for paused subscriptions. When you pause your subscription, you are still paying for access to our services for the remainder of your current billing period. This includes monitoring of your credit report, letter disputes sent to credit bureaus and collection companies on your behalf, and monthly progress review calls and email support during business hours.

Our subscription service is not based on a per-letter basis. Instead, you are paying for a monthly subscription that includes a bundle of services. When you pause your subscription, you are still receiving access to all of these services, even though you may not be using them all. 

To request a cancellation of your services, simply send us an email at [email protected] expressing your desire to cancel. Please include relevant details to help us process your cancellation efficiently. Our customer support team will acknowledge your request and remove you immediately in our onboarding system and remove your card from our payment processor.

Our cancellation policy is designed to be straightforward and client-friendly. If you decide to cancel our program, you can do so by sending an email to [email protected] using the email address associated with your account. Please use the subject line “Cancel My Service” to initiate the cancellation process.

It’s important to note that you have a window of 3 days from the 1st of every month to cancel for that particular month of service. However, we do not offer refunds for services that have already been provided. This means that if we’ve already taken actions on your behalf, such as sending dispute letters, conducting credit report analysis, or performing other administrative tasks, you will not receive a refund for the charges associated with those services.

Our goal is to provide you with the best possible assistance, and we are committed to being transparent and fair in our cancellation policy. If you have any questions or concerns about canceling your service, please don’t hesitate to reach out to us, and we will be happy to assist you. 

No, canceling your program typically won’t have a direct impact on your credit score or credit history. Companies are not responsible for altering your credit information or credit score directly. We provide services aimed at helping you improve your credit by addressing errors and inaccuracies on your credit reports, and providing guidance on better credit management. It’s important to remember that the impact on your credit score primarily depends on your overall credit behavior and financial habits. 

No, there is no fee or penalty for canceling your program before it’s completed. We understand that circumstances may change, and you have the flexibility to cancel at any time without incurring any additional charges or penalties. Your satisfaction and financial well-being are our priorities. 

If you choose to cancel your program, any fees you’ve already paid for the initial work done or services that have been rendered will not be refunded. Refunds are only granted if we haven’t done anything in the file yet and in accordance with our money-back guarantee policy, which has specific terms and conditions outlined in your agreement with us. We recommend reviewing the terms of the guarantee to understand the circumstances under which a refund may be possible. 

Yes, you can rejoin our program after canceling. However, the process and associated costs may vary based on the length of time you’ve been unsubscribed. If you decide to rejoin after being unsubscribed for more than 3 months, we will need to conduct a review of your credit report and reinitiate the onboarding process to assess your current credit situation. It’s important to note that our pricing structure may change over time due to various internal factors, so there may be additional fees associated with rejoining the program. We recommend contacting our customer support team for the most up-to-date information on costs and requirements for rejoining the program. 

We provide several types of support to clients participating in our program. Firstly, we offer email support during our business hours, allowing clients to reach out with any questions or concerns they may have. For clients who have opted for our premium plan, we offer monthly progress review calls. These calls are conducted by a dedicated and trained progress review specialist. During these calls, clients can receive personalized updates on their progress, discuss any challenges they may be facing, and receive tailored advice to help them achieve their credit goals. Our goal is to ensure that every client receives the level of support that best suits their needs and helps them on their journey to better credit health. 

The new addition of helpful resources in our website is our official blog. We post every month with latest articles related to credit in Canada. Anyone can visit our blog and no login required. 

We understand the importance of providing educational resources to our clients for better understanding financial management. Currently, we are actively working on developing comprehensive educational materials to assist you in navigating the world and improving your financial literacy. As time goes by, we recognize the growing need for this support, and our commitment to enhancing your knowledge and empowering you in your financial journey remains a top priority for us. Please stay tuned for updates on these resources, as we aim to provide you with valuable tools and information to help you achieve your financial goals. 

Yes, we strive to offer personalized advice and guidance tailored to your specific credit situation. Our team will analyze your credit reports and work with you to identify areas that need improvement. However, we strongly discourage clients from applying for any unsecured forms of credit while undergoing our services, as it may negatively impact the progress we’re making. It’s important to note that while we can assist with factual disputes in accordance with consumer protection laws, we do not provide legal advice for any legal-level situations that may arise during the process. We recommend consulting with a legal professional if you encounter legal issues related to your credit.