We don’t dispute.
We demand.

90-day money-back guarantee. If we delete nothing from your reports in 90 days, you pay nothing. Every dollar back.

Federal-grade credit restoration for working families nationwide. Our team of credit experts hits the creditor and the federal regulator direct, in week one, and we don’t stop until the line on your report is clean.

50 States we serve
$8,809 Under federal review
$499 Flat · one engagement
Start your free file review Call (352) 586-3704
•All 50 states •$499 flat · no monthly drip •First round inside 30 days •FCRA & FDCPA grounded •90-day money-back guarantee
K
Kali’s assistant
Reviewing your file
Credit and collection paperwork on a desk, where every case starts i. The fileEvery line of paperwork, audited.
A federal demand letter being drafted by the team ii. The lettersDemands and federal complaints, filed.
The firm's working desk, your file worked by hand, week after week iii. The deskWorked by our team, week after week.
Kali Hernandez, principal of Kali Credit Co.
Founder · Dunnellon, FL

Kali Hernandez.

The principal & the team

Kali built this firm on her own credit file first.

Before Kali Credit Co existed, there was a 510 Equifax score, two authorized-user disasters, and 11 wrong addresses on a single bureau file. That report, her report, became the playbook our whole team now runs.

Our specialists read the FCRA the way a tax attorney reads the IRS code: slowly, with the case law open beside them. Section 609. Section 611(a)(7). Section 623. The exact provisions that move a needle when a generic dispute letter doesn’t. Every file is worked by an expert, not a template.

The work is private, the correspondence is in writing, and the price is flat. $499, one time, no monthly drip. The first round of deletions typically lands inside the first month.

Based in
Dunnellon, Florida
Engagement
$499 flat · one fee
First round
Inside 30 days
Correspondence
Federal · in writing

What we actually do

Demand letters and federal complaints, filed in week one.

Most credit-repair shops bounce paper at the bureaus and wait. We go direct to the source (creditor and collector) and we battle back and forth, week after week, until the line on your report is clean. Two federal channels, statutory clocks shorter than a single bureau cycle, and the kind of persistence a full law firm won’t bill the hours for.

i.

Demand letters

Certified-mail debt-validation letters sent directly to the collector under FDCPA §809. They have to produce a signed contract, a chain of assignment, and an itemized accounting, or they stop collecting and stop reporting.

Most junk-debt buyers can’t. Account deletes.

ii.

Federal complaints

Filed in parallel with the demand letters, routed through the federal regulator that supervises the creditor or collector. The complaint goes on the record. The company has 15 days to respond. Half a bureau cycle.

Lawyer-grade pressure, no lawyer fee.

iii.

Cleanup · MOV & SOL

When the first two don’t close it out, our team follows with FCRA §611(a)(7) Method-of-Verification demands and your state’s statute of limitations on consumer debt. Expired collections come off; "verified" items get audited.

The finishers, used when needed.

Every line of the creditor’s paperwork (and every step of how they handled your account) gets audited. Any discrepancy in their records, or any FCRA or FDCPA rule they broke along the way, becomes leverage. Wrong dates. Wrong amounts. Missing chain of assignment. Improper re-aging. Continued collection after dispute. We find it, and we use it.

Three ways to engage

Pick the pace that works for you.

Same work, same federal pressure, same back-and-forth until the line on your report is clean. The only difference is how you pay for it. Paying in full is the cheapest path.

90-day money-back guarantee. If we delete nothing from your reports in 90 days, you get every dollar back. Whichever plan you pick, your money is protected.
Best price

Pay in full

$499
One time. Done.

Single payment. No monthly anything. Save $95 vs. the plan.

Pay $499 · reserve your engagement

Split in 3

$179/mo
Three months. Auto-ends at three.

Middle option. Total $537 over three months, then the plan stops on its own.

Start at $179/mo

Pay monthly

$99/mo
Six months. Auto-ends at six.

Lowest upfront. Total $594 over six months, then the plan stops on its own.

Start at $99/mo
✓Demand letters to every account
✓Federal complaints filed week one
✓Back-and-forth until the line is clean

Not sure yet? Open the intake. Kali reads your full file free and tells you what is workable before she takes a dollar. No upfront retainer, no obligation.

Why this is different

Credit-repair shops vs. law firms vs. Kali Credit Co.

The three options consumers face when they want a clean credit file, and how the math actually breaks down.

 
Credit-repair shops
Law firms
Kali Credit Co.
Total cost
$80 to $130/month, no end date
$1,500 to $5,000 retainer + hourly
$499 flat (or $179×3 / $99×6 with auto-end)
First deletions
90 to 180 days
60 to 120 days
Inside 30 days
Approach
Bureau disputes only
Demand letters + occasional litigation
Demand letters + federal complaints, direct to source
Persistence
Form letters, low follow-through
High, but billed by the hour
Back-and-forth correspondence until the line is clean
Monthly drip
Indefinite
Hourly billing creep
None. Plans auto-end on their own
Coverage
50 states (template-driven)
By bar admission
All 50 states, every file worked by hand
A contract being signed, the federal letters Kali files on your behalf
“The score isn’t the problem. The score is the receipt. We work the paperwork that produced it.” Kali

Receipts, not promises

One night. Nine federal complaints.

This is what an active file looks like the first week we take it on. Numbers below are from a real client engagement, May 2026.

15
Federal case IDs
opened in one filing
$8,809+
In collections
under federal review
2-4
Validation-failure
deletions expected
29
Days for bureaus
to respond by statute
Live case IDs · May 2026 filing
260515-32709330 260515-32709623 260515-32710063 260515-32710419 260515-32710556 260515-32710784 260515-32711177 260515-32711686 260515-32712008

What winning looks like

Federal pressure. Deletion in days, not months.

Most credit-repair shops send dispute letters and wait sixty days for a bureau to maybe respond. We don't write letters. We send demands (certified mail and federal complaints) that carry statutory response windows the bureaus and collectors cannot ignore.

We don’t write letters. We send demands.
Latest win
9Days
Junk-debt buyer collection. Federal complaint filed Wednesday. Collection terminated and tradeline removal ordered by the second Friday.
Amount
$1,116 junk-debt buyer collection
Channel
CFPB federal complaint
Bureau
TU (sole reporter)
Outcome
Closed with non-monetary relief: collection terminated, deletion ordered
“To resolve this matter, we have terminated collection efforts. If reporting, we will request the credit bureaus to delete our tradeline.” Verbatim from the collection company’s CFPB response
Recent win
7Days
Medical collection. Filed Tuesday. Removed from all three bureaus by the following Monday.
Amount
$974 medical collection
Channel
CFPB federal complaint
Bureaus
EQ · EX · TU
Outcome
Closed with explanation: deletion
“The account in question was marked to be closed and removed from the credit bureaus.” Verbatim from the collection company’s CFPB response
CFPB portal screenshot showing the company's response: account marked to be closed and removed from the credit bureaus.

When they fight back

Most pushbacks are designed to look compliant.

Reading the response carefully is half the work. Junk-debt buyers send canned letters claiming they validated when they did nothing of the kind. Spotting the new violation buried inside the response is what separates an actual file from a paper trail.

What the collector wrote in their federal response
“A copy of the verification information provided by the seller for your account is enclosed for your records. If you would like to review additional account documentation, you may access documents by visiting our website.”
What we found: Nothing was actually enclosed. The website they pointed to required the consumer to provide their own Social Security Number and agree to a Terms of Use that included binding arbitration, exclusive California jurisdiction, and a $100 liability cap, before any account information could be viewed.
01
FDCPA §807 · 15 USC §1692e
A debt collector may not use any false, deceptive, or misleading representation. Claiming “verification is enclosed” when nothing is actually attached is a misrepresentation about the collector’s compliance with validation requirements.
02
FDCPA §809(b) · 15 USC §1692g(b)
Validation must be provided to the consumer unconditionally. Conditioning the provision of validation on the consumer’s acceptance of an adhesion contract (arbitration, foreign jurisdiction, liability cap) is not validation. It is contract-trapping disguised as compliance.
Day 1
Surgical federal validation complaint filed under FDCPA §809(b). Account, citation, deadlines on the record.
Day 2
Collector responded with canned letter claiming verification was “enclosed.” First glance: looks like a substantive response. Federal portal closed as “closed with explanation.”
Day 5
Confirmed no documents were actually attached to the federal portal response. Pulled the website the collector referenced. Documented the Terms of Use trap (arbitration, California jurisdiction, SSN-into-website, $100 liability cap).
Day 5
Official feedback submitted on the first complaint marking it “Did not address my issue.” Public record updated. Company-performance metrics adjusted accordingly.
Day 5
Follow-up federal complaint filed citing the two new violations inside the response itself. Fresh fifteen-day clock running. Parallel state-regulator and state attorney-general filings prepared if the second response is also inadequate.

This is what staying on the file looks like. The cost of doing this is reading every response twice and writing the next demand, not filing once and hoping.

Questions, plainly answered

What people ask before they call.

If your question isn’t here, text Kali at (352) 586-3704. She answers personally.

Is there a money-back guarantee?

Yes. Kali Credit Co backs every engagement with a 90-day money-back guarantee. If our team deletes nothing from your reports within 90 days, you get every dollar back, on any plan. We cannot promise a specific score or a guaranteed result, that would violate federal law, but we can guarantee you do not pay for work that produced no deletions.

How much does credit repair cost at Kali Credit Co?

$499 flat as a one-time payment. No monthly fee, no per-deletion pricing. For prospects who prefer to split it, the firm offers $179 per month for three months ($537 total) or $99 per month for six months ($594 total). Both plans auto-end on their own. There is no recurring subscription beyond the planned cycle.

How fast does Kali Credit Co get results?

The first round of deletions on a credit report typically lands inside the first 30 days. This is faster than most credit-repair firms because demand letters and federal complaints are filed in week one. Both channels carry statutory response windows that are shorter than a single bureau dispute cycle.

Does Kali Credit Co only work in Florida?

No. The firm is headquartered in Dunnellon, Florida, but our team works files for consumers in all 50 states. The federal-pressure methodology (FCRA, FDCPA, CROA, and complaints to the federal regulator) applies everywhere. Statute-of-limitations and state consumer-protection work is routed to your own state of residence.

What is a demand letter in credit repair?

A demand letter is a certified-mail debt-validation letter sent directly to a creditor or debt collector under FDCPA Section 809. The recipient must produce a signed contract, a chain of assignment, and an itemized accounting of the debt, or they stop collecting and stop reporting.

Most junk-debt buyers cannot produce these records, which causes the account to be deleted from the credit report.

Is Kali Credit Co cheaper than a law firm?

Yes. A law firm handling the same federal-grade correspondence would typically bill several thousand dollars in retainer and hourly fees. Kali Credit Co charges a flat $499 (or $537-$594 on a payment plan) and operates with the same persistence and back-and-forth correspondence a law firm would, without billing the hours.

Does Kali Credit Co charge monthly fees forever?

No. Both payment plans (3 months at $179 or 6 months at $99) auto-end after the final scheduled invoice. There is no perpetual subscription. The $499 flat plan is a single one-time payment with no recurring charges.

How do I get started?

Open the private intake on this page or text Kali at (352) 586-3704. The intake walks through four questions: your name, what is pulling your score down, what score would change your life, and the best number to reach you. Kali reads the file personally and reaches out within 24 hours.

Begin a private intake

The first conversation is free.

If your situation isn’t one we can move, we’ll tell you in the first call. No retainer until we’ve read your file and named the mechanism that fits it.

See pricing · $499, $179/mo, or $99/mo Open the intake Text (352) 586-3704

No upfront retainer. We read your full file free and tell you honestly what is workable before you pay a dollar. We follow the FCRA and FDCPA to the letter, and we never promise a specific score or a guaranteed result.