Frequently Asked Questions

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:

• Website Contact Form
• CTA Buttons for Booking in the Website
• Official Tiktok Page
• Email: info@kennyjohnsonuniversity.com
• 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 40 minutes. These consultations are conducted with an assigned credit consultant, providing a convenient and focused session to discuss your credit situation and address any questions or concerns you may have. During these 40 minutes, 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.

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 registration link. After your registration 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:

• Two (2) government-issued IDs: At least one must include a photo, and at least one must confirm your current address.
• Proof of Address: Required only when neither government ID displays your current address (note that we do not accept bank statements as proof of address).
• Credit Monitoring Access: Your credit monitoring account information (please refer to the onboarding email we sent for specific details).
• Signed Service Agreement: Completed electronically via BoldSign.

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

Our Service Agreement is no longer sent as a manual PDF. Instead, it is sent securely and digitally through BoldSign.

You will receive an email link directly from BoldSign containing your personalized agreement. You can easily review and sign the document electronically from any computer, tablet, or smartphone without needing to print, scan, or use third-party apps. Once signed, a copy is automatically sent to both you and our onboarding team.

After you are registered and receive your onboarding email from us, we expect to receive all requested documents within 48 hours.

Submitting your documents promptly ensures our team can audit your file and draft your dispute letters as quickly as possible without delaying your progress.

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 Privacy Policy.

You have 48 hours to complete the onboarding process and submit all required documents and information. If you do not submit everything within this 48-hour window, your account file will be closed until all requirements are fully provided. We encourage you to have your documents ready upon registration so our team can immediately begin work on your file without delay.

As soon as your registration 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, along with your BoldSign agreement link.

You’ll receive an email confirmation within 2 business days acknowledging your document submission. This email will include a summary of the documents received and the next steps as our team begins manually auditing your file and preparing your dispute strategy.

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. We offer dedicated email support during our regular business hours, ensuring that you can reach out to us with any questions or concerns, and we’ll provide timely responses.

Additionally, we monitor your credit files and provide updated Dispute Lists so you always have full visibility into which items are currently under active investigation with the credit bureaus.

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 is an official Account Dispute List. This document contains a comprehensive list of all the negative accounts and inaccuracies 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 Visa, Mastercard, and American Express 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 our support team for further assistance.

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.

Our service plans automatically renew at the end of each billing cycle (for your selected cycle length) until services are officially cancelled. Billing is processed automatically using your card on file, so there is no need to make manual payments each cycle.

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.

Our payment system will automatically attempt the payment every few days until the payment is successful. Depending on whether work has been completed on your file, if your account remains unpaid after these attempts, further actions may be used to collect the past due amount. We recommend promptly updating your payment details or contacting our support team if you encounter any issues.

We do not offer refunds for paused subscriptions. When you pause your subscription, you still maintain access to our services for the remainder of your current billing cycle. This includes credit file monitoring, dispute management with credit bureaus and collection agencies, and dedicated email support during business hours.

Our subscription service is not structured on a per-letter basis; you are paying for an active service cycle that includes a comprehensive suite of dispute and advisory services.

To initiate a cancellation, you must send an email from the email address associated with your account to info@kennyjohnsonuniversity.com with the subject line: "Cancel My Service".

Upon receipt of your cancellation request, you may receive a follow-up email asking for confirmation. You must confirm your intent to cancel by email. If no confirmation is received, your account will remain active and subject to regular billing.

You must cancel at least three (3) business days before your scheduled renewal date to avoid being billed for the next renewal period. If cancellation occurs after that time, the upcoming charge may still be processed.

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 work completed or services rendered are non-refundable. All administrative preparation, file audit, and dispute filing work initiated on your account are covered under your agreement.

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.

We provide dedicated email support during our regular business hours, allowing clients to reach out with any questions, status inquiries, or document submissions. Our advisory desk actively assists clients via email throughout their service cycle.

Yes! We provide free educational resources, including our official 5-Minute Credit Report Check List featured in the Executive Briefing & Resource Vault on our homepage. Once you complete watching the 2-minute video briefing by CEO/Founder Kenny Johnson (watching to 85%), the vault unlocks and you can instantly download the checklist to audit your credit report. We also regularly publish educational guides and credit literacy materials across our platform.

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.