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Free for Rental Kharma members

Reach your goal fast, with your own credit expert.

Book a 1-on-1 session and get a custom action plan for your situation, so you can reach your goal in weeks or months, not years.

Credit is 3rd grade math.

You learn it fast. We teach credit on an A to F scale, so you always know where you stand and what to fix next.

Read: credit scores explained like grades in school
We grade every credit factor
Your expert reviews each factor on your report and gives it a grade, so nothing is a mystery.
You get a custom action plan video
The steps you need to take, specific to your situation. Watch it again whenever you need it.
You learn how to stay A+
Once you’re 720 credit ready, you’ll know how to keep it that way.

What members say after their session.

★★★★★
I had a call with Cullen regarding my credit because it wasn’t sure if I needed the rental reporting service due to certain factors. I have paid 3 times over to other companies to have someone tell me what to do regarding my credit score, what I was doing wrong, what steps I was supposed to take and no one but Cullen answered those questions clearly and with pointed guidance. He gave me so much assurance, made my case super easy, very doable, and with sure results within TWO MONTHS.
J. G.
Google review
★★★★★
Cullen and Aly were amazing! They spent over an hour teaching me how to fix my credit for free. Awesome that the owner cares so much about helping people get their finances in order! Thanks so much!!
April Mur
Trustpilot review

Ready for your plan?

Pick a time that works for you. It’s free for members.

Schedule your session

Not a member yet?

Start with the 2-minute Credit Ready Checkup to see your fastest wins.

Take the checkup