Let's Improve Your Credit Score

Kobra Financial Disputes


Hard Inquiries can drastically lower your credit score

Late Payments

Misreporting Bankruptcy entries can cost you a loan approval.


Misreporting Bankruptcy can affect your chances of getting apoproved for loans


Foreclosures can seriously impact your score and hurt you ability to get a mortgage

Invalid Items

Millions of people have inaccurate items on their credit scores. Remove inaccurate items drastically improve scores


Accounts sent to collections leave a negative impact on credit scores. Disputing collections greatly improve scores

How Credit Works?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

Your In Good Hands

Our goal at Kobra Financial is to break the poverty mindset and shifting your mindset to a wealthy and powerful one, starting with your credit. Credit leads to all things possible. Homeownership, new and approved personal loans with low interest rates. You have the power to start the shift by contacting us and allowing our team to help service you and your family. Get on the path to great credit score with a certified experienced team of credit experts.

3 Easy Steps To A Better Score


Signup We’ll give you a free consultation and
​ credit analysis


Relax While we use the law to challenge
​ negative items on your report


See real time progress every
​ step of the way

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.

We Guarantee Results or Your Money Back!


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.