Keys Real Estate

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Keys Real Estate

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About Keys Credit Repair

Credit Repair With a Purpose

Keys Credit Repair was created to help individuals and families overcome credit challenges that stand between them and their financial goals, especially homeownership.

As a real estate professional since 2012, I’ve seen firsthand how collections, charge offs, late payments, and high balances can prevent otherwise qualified buyers from getting approved. That is exactly why Keys Credit Repair exists.

We focus on identifying what is holding your credit back, creating a clear plan of action, and executing proven strategies to improve your credit profile. Our process is structured, transparent, and tailored to your specific situation, not a one size fits all approach.

If you are here, it means you are ready to take control of your credit and move forward with confidence.

Get Started with Credit Repair

Our Clients Results

OUR CREDIT SERVICES

Credit Review & Assessment

Dispute & Removal of Negative Items

Dispute & Removal of Negative Items

We start with a full review of your credit reports from all three bureaus. This helps identify:
• Negative accounts dragging down your score
• Inaccurate or outdated information
• High balances and payment trends
• Opportunities for improvement

You get a personalized credit assessment that shows exactly what is affecting your buying power — no guesswork.

Dispute & Removal of Negative Items

Dispute & Removal of Negative Items

Dispute & Removal of Negative Items

Our team handles disputes with the credit bureaus on your behalf. We work to challenge:
• Collections accounts
• Charge-offs
• Late payments
• Inaccurate data or unverifiable accounts

We pursue every valid opportunity for removal to raise your score and improve your credit profile.

Pay-off & Balance Strategy

Dispute & Removal of Negative Items

Credit Building & Positive Account Guidance

Not all debts affect your credit equally. We help you understand:
• Which credit cards and accounts to prioritize
• What balances to pay down first
• How changes affect utilization and score
• Smart payoff sequencing to maximize impact

This strategy helps you reduce utilization and strengthen your credit faster.

Credit Building & Positive Account Guidance

Credit Building & Positive Account Guidance

Credit Building & Positive Account Guidance

Repairing credit is only part of the process. We help you build positive credit habits by:
• Recommending accounts that report positively
• Suggesting secured or starter credit options if needed
• Helping you improve payment patterns
• Guiding you toward better long-term credit health

This prepares your profile for future approvals.

Ongoing Monitoring & Updates

Credit Building & Positive Account Guidance

Ongoing Monitoring & Updates

Credit doesn’t change overnight, and you shouldn’t be left guessing. We provide:
• Monthly updates on progress
• Alerts for changes
• Clear next steps based on your report
• Supportive guidance as your file evolves

This keeps your credit improvement on track and transparent.

Pre-Mortgage Preparation

Credit Building & Positive Account Guidance

Ongoing Monitoring & Updates

This is what most clients are here for — qualifying for a loan. We help you:
• Understand mortgage scoring criteria
• Address barriers before submitting an application
• Position your credit to meet lender expectations
• Provide documentation support for lenders (when possible)

Our goal is to help you walk into underwriting with confidence.

Copyright © 2026 Keylani Ortiz. All Rights Reserved. Equal Housing Opportunity.