King Credit Services INC

King Credit Services INC is a credit repair and business credit building company based in La Jolla, California, operating under the tagline 'Let's Conquer Your Credit.' The company serves both individual consumers with damaged credit and entrepreneurs seeking to establish or build business credit profiles. No founding year is publicly disclosed on their website, and while a 'Certifications' section is referenced on the site, specific credentials such as NFCC membership or HUD approval were not confirmed in available public materials. They appear to serve clients nationally through an online client portal.

On the personal credit side, King Credit Services offers three one-time-fee plans: Gold ($900), Platinum ($1,500), and Bad to Bankable ($2,500). Services include custom dispute letters submitted to credit bureaus and creditors, opt-out from third-party data aggregators like LexisNexis and ChexSystems, monthly credit score updates every 35 days, and debt negotiation and settlement assistance. The Platinum personal plan adds certified mail, a dedicated account manager, and rapid disputing techniques. For business clients, they offer Standard ($1,000), Gold ($1,500), and Platinum ($8,000) plans covering business credit building through vendor accounts and Tier 1–3 credit lines, plus business formation services including Articles of Organization, EIN registration, DUNS number, IRS Form 2553, and operating agreement preparation.

The company distinguishes itself by bundling personal credit repair with full-stack business credit and formation services under one roof — a combination not universally offered by credit repair firms. The $8,000 Business Platinum plan is particularly aggressive in scope, promising 5–10 tradeline additions, a $50,000 term loan facilitated through the client's EIN, and complete business infrastructure setup including domain, website, business email, address, and phone. Additional perks include a $50 unlimited referral bonus, a Facebook community for clients, weekly credit tips via text and email, and 24/7 case status access through the client portal.

King Credit Services holds a strong 4.8/5 Google rating from 171 reviewers, with recent clients mentioning positive experiences with staff. However, several key transparency gaps exist: no BBB rating or accreditation was confirmed, no money-back guarantee is publicly advertised, and the company's history and specific credentials are not disclosed. The one-time pricing model avoids monthly subscription creep but demands significant upfront investment — particularly the $8,000 Business Platinum plan, which is at the high end of the market. Prospective clients should clarify deliverable timelines, what 'tradeline additions' specifically entails, and what guarantees accompany each plan before committing.