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Client Success Stories

"I highly recommend joining this program! Mrs. Callahan is knowledgeable, professional, and doesn’t miss giving you any details or answering questions. I can’t believe I have only been with the program 2 months and my credit score has increased tremendously. I promise you don’t want to miss out. Invest in yourself now so that future generations to come will reap the benefits of you having good credit. Can’t wait to see what my score is in 6 months. Thank you "​
Amber S.
"Awesome service with elite professionalism."​
India S.
"Great company, great service, great results. I would recommend this service and company to anyone! You will get your money’s worth! "​
Ashley K.


You will be entitled to a refund on all monthly payments to Kobra Financial if We do not remove any negative items worked on

– You have had 120 days from the time you retained services 

– You have had no new collections or missed payments during the time frame we are repairing your credit

– You agree and have returned all updated reports and responses from the three credit bureaus & creditors to us within 5 days of receipt.

– You have not used a credit consulting agency or attempted to repair your own credit within 6 months of signing up for services.

– You should receive updated credit reports every 35-45 days and notify us if updated reports are not received.

Yes…. Not only is it legal it is protected by federal law. The Fair Credit Reporting Act requires that credit bureaus provide fair and accurate information in your credit report.

-Make all required payments on time
-If possible put all reporting payments on auto pay to decrease the risk of missed payments
-Do not charge more than 20% of your credit limit
– Self.Inc (Apply for a credit builder account / see website for benefits)

Please remember we can not guarantee any results or time of completion for credit repair. However most clients complete the process in 3-9 months depending on their credit profile and the number of items that need to be disputed.

Absolutely, this is how we monitor updates to your credit profile and scores, and it is part of the requirements for our guarantee for a refund.