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Karia Consulting
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(952) 393-0175
How high-income professionals and business owners are legally forcing data furnishers to delete negative items... without sending generic dispute letters or waiting years for results.
This legal process is backed by the FCRA, FDCPA, and TILA. Results are guaranteed by law.
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Ready to see what is really on your report? 👇
Fix My Credit For GoodImagine walking into a dealership, pointing at the exact car you want, and having the finance manager scramble to get you the lowest rate in the room... because your score starts with a 7.
Imagine securing a $100,000 business line of credit on a simple signature... without having to beg, explain your past, or provide a mountain of personal guarantees.
Imagine the absolute relief of knowing that a few past mistakes—a missed bill, a confusing medical charge, or a lean business month—are no longer quietly holding you back.
It is not a pipe dream. It is exactly what happens when you stop playing their rigged game... and start using the legal system that was designed to protect you.
Ready to see what is really on your report? 👇
Fix My Credit For GoodHere is the truth no credit bureau will ever admit to you...
Your score is manipulated by a group of 27 secondary data furnishers—shadowy companies like LexisNexis, SageStream, and Innovis that you have likely never heard of.
These companies buy, sell, and trade your personal financial information behind closed doors. They package your mistakes, your old debts, and even inaccurate errors, and feed them directly to the big three bureaus—TransUnion, Equifax, and Experian.
Why? Because the system is rigged. Lenders make billions more when you have a lower credit score. It gives them the perfect excuse to charge you double the interest rate. The bureaus and data furnishers profit from your bad credit... and they have zero incentive to fix it.
That is why traditional credit repair fails. They send generic dispute letters to the bureaus, who simply run them through an automated scanner and reject them. Nothing changes. Months pass. Your $99 monthly fee keeps getting charged.
To win, you have to bypass the bureaus entirely and attack the source.
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Fix My Credit For GoodIf someone spreads a lie about you, disputing it with the town gossip—the credit bureaus—does nothing. They will just repeat what they heard. To kill the rumor, you have to go directly to the person who started it... and demand they prove it.
That is Step 1 of our Secondary Data Purge.
We do not waste time begging the credit bureaus. Instead, we conduct a forensic audit of your entire credit profile. We trace every single negative item, collection, and late payment back to the exact data furnisher that sold it.
We find the leak at the source. Then we go there directly.
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Fix My Credit For GoodUnder strict regulations in the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Truth in Lending Act (TILA), these data companies are legally required to do two things:
First, they must prove with physical, signed documentation that the data they are storing is 100% accurate.
Second, they must prove they have your explicit, written consent to store, package, and sell your private financial history.
We send legally binding cease-and-desist and verification demands directly to these furnishers.
Here is the secret: 99% of the time, they cannot produce this proof. They bought your debt for pennies in a digital batch. They do not have your original signed contract. And they certainly do not have your consent to sell your data.
And when they cannot legally produce that proof within the strict federal deadline... the law forces them to permanently delete the negative item from your profile.
We do not charge you endless monthly fees to drag things out. We execute a rapid, aggressive Secondary Data Purge to clear your record permanently—and we are incentivized to get your results as fast as humanly possible.
Because we go straight to the source, our results are not just fast—they are permanent. Once a data furnisher deletes an item due to a legal violation, they are legally barred from ever reporting it again. It does not come back.
We are so confident in this legal process that we back it with an ironclad, 100% money-back guarantee:
If we do not remove every single inaccurate, unverifiable negative item from your credit profile within 90 days, we will refund every single penny you paid us. And we will continue working on your file, completely free of charge, until your report is 100% clean.
No loopholes. No excuses. No monthly fees. Just credit that finally matches your success.
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Fix My Credit For GoodNo monthly fees. No obligation. Results in 30–90 days or your money back.
We run a deep-scan audit of your credit report, mapping every negative item back to the 27 secondary data furnishers who are quietly trading your information without your consent.
We bypass the bureaus and send binding legal demands directly to the source, forcing them to produce the physical, signed contracts and consent files they do not have.
When data furnishers fail to produce legal proof within the federal deadline, the law forces them to permanently purge the negative items from your record. For good.
With your report cleared of negative weight, we optimize your credit mix to maximize your score—opening the doors to premium rates, mortgages, and business funding.
Ready to see what is really on your report? 👇
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Traditional credit repair companies charge monthly fees and send generic "not mine" letters to the three credit bureaus. This is slow, easily flagged by automated bureau systems, and rarely permanent. Karia Consulting uses a legal-first approach. We execute a Secondary Data Purge, bypassing the bureaus and targeting the 27 secondary data furnishers directly. We weaponize federal laws—FCRA, FDCPA, and TILA—to force them to delete items they cannot legally prove they have consent to report.
Because we go straight to the source, our process is significantly faster than traditional methods. Most clients see their first major deletions and score increases within 30 to 45 days. Our entire legal process is completed within 90 days—and if it is not, you receive a full refund.
Absolutely. We operate strictly under federal consumer protection laws, including the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Truth in Lending Act (TILA). We are simply enforcing your legal right to have an accurate, verified, and consensual credit profile. These rights exist specifically to protect consumers like you.
Our legal process is highly effective at removing late payments, collections, charge-offs, medical bills, repossessions, bankruptcies, student loan defaults, and inaccurate personal information. If a data furnisher cannot produce the original physical contract proving accuracy and consent, the law requires it to be removed.
No. Traditional dispute letters can result in temporary deletions that reappear once the bureau re-verifies the item. Because our Secondary Data Purge forces the original data furnisher to delete the item due to a legal violation, they are legally barred from ever reporting that item again. The deletion is permanent.
Never. We hate the monthly fee model because it rewards credit repair companies for going slow. We charge a flat, transparent fee based on your specific file, and we are incentivized to get your results as fast as humanly possible. No surprise charges. No ongoing subscriptions.
It is simple and ironclad. If we do not successfully remove the negative items from your credit profile within 90 days, we will refund 100% of your money. No questions asked, no hidden clauses. We take all the risk because we know our legal process works. We have a 100% success rate across every client file we have ever taken on.
Karia Consulting
Physical business address required before publishing.
Add your real street address, city, state, ZIP, and country here.
We accept Visa, Mastercard, Discover, and American Express.
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By accessing this website or purchasing from Karia Consulting, you agree to use the website lawfully and to provide accurate information. Product descriptions, pricing, availability, and offer terms are shown before purchase and may be updated.
Delivery: Digital product access or delivery will be provided within 90 days or less, according to the specific offer terms shown before purchase.
Testimonials and examples are illustrative and are not a guarantee of a particular financial, credit, business, or personal outcome. For questions, contact us using the information above.
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If the promised result has not been achieved within 90 days, the customer may request a refund after 90 days, subject to the applicable offer terms and eligibility conditions.
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