KDM Capital has been in operation since 2017. For more than four years, our team of credit advisors has been assisting clients in removing inaccurate and derogatory items from their credit reports.

Your money is safe with us. We offer a 90 day 100% money-back guarantee. Please take note of the following information: If you ever wish to cancel our services, you are free to do so at any time. If you do decide to cancel, we will refund the most recent charge incurred within the last 30 days if we have not been able to remove at least two negative marks from your credit report, or if your credit score has not improved by at least 40 points within 3 months. While we work on improving your credit, it is important for you to actively rebuild your credit by using credit responsibly. Your payment history holds significant weight in affecting your credit score, as both FICO and VantageScore® consider it when calculating your credit score. Therefore, making on-time payments consistently will greatly assist us in the process. Your credit utilization refers to the ratio of your credit card balance to your credit limit. It's crucial for you to keep your credit utilization below 30% while you are enrolled in the 180-day program. During your participation in our program, please keep in mind that your payment history and credit utilization will significantly influence the outcome of our work. Therefore, it would be greatly appreciated if you could assist us by being responsible with your credit and refraining from adding unnecessary inquiries.

No, We are not a debt settlement company

Credit repair offers many benefits that can positively impact one's financial and psychological well-being. However, it is important to recognize that credit repair has limitations and may not be the solution to every financial problem. If you struggle to keep up with your bills, credit repair may not be the best option. Instead, consider seeking consumer credit counseling or consulting with a bankruptcy attorney to explore other alternatives.

That’s a fair concern. We can’t legally guarantee deletions — no one can — but what we do guarantee is that we’ll use every legal avenue available under federal law to challenge inaccurate or unverifiable information.

Our process isn’t generic. We file official FTC and CFPB complaints, use Consumer Law and Data Breach strategies, and document every response. Even when items don’t delete right away, the pressure builds with each round, and clients still see improvement through rebuilding and utilization guidance.”

Technically, yes — anyone can send letters. But without knowing how to cite the right laws, escalate to federal agencies, and structure evidence, it’s like representing yourself in court.

We already have the legal framework, complaint systems, and tracking in place to do it faster and more effectively — while you focus on living your life instead of fighting credit bureaus

Most people who say that worked with a company that used cookie-cutter letters.
Our process goes far beyond that — every case includes FTC filings, CFPB submissions, and documentation trails that demand bureau response. That’s why we see results where others stall out. We don’t send hope — we send legal pressure.

Federal law gives bureaus 30 days to respond to disputes, so we typically work in 30-day rounds. Most clients start seeing results within 45–60 days, and significant improvements within 90 days.
That said, timelines depend on the number of items, type of accounts, and how quickly creditors respond — but we’re active every step of the way.

Yes — everything we do is 100% compliant with the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).
We don’t manipulate data or create fake accounts. We hold credit bureaus and collectors accountable using the exact federal laws designed to protect you

You could — but that usually takes 7 years, and even then, creditors often re-age or resell debts, keeping them active.
We accelerate that process by forcing verification now, and when they can’t prove it’s valid, they’re required by law to remove it. That’s the difference between waiting and taking control.