Kredit Koncepts Financial Service LLC is a full service financial consulting firm with a focus on helping individuals recover from the past, plan for the future and build a better way of life. Kredit Koncepts is also a national movement, which is devoted to helping the millions of Americans who have suffered from the economic downturn of the past 10+ years. Our proven concept is simple: “We provide fair and ENHANCED solutions through a financial literacy and credit educational program.” Listed below, are items we investigate to ensure our client's credit reports reflect accurate and legal reporting in accordance to with the laws of the Federal Trades Commission (FTC), Federal Credit Reporting Act (FCRA), and the Credit Repair Organization Act (CROA): *Bankruptcies *Foreclosures *Liens *Late Payments *Judgements *Garnishments *Collections *Repossessions *Charge Offs