Under a signed Power of Attorney, Keyla handles every round of disputes on your behalf — strategically, legally, and in full compliance with the FCRA. Limited availability.
Limited client slots. $197 setup · MFSN annual plan required · Results vary
You have collections, charge-offs, or late payments you want challenged
You want someone to handle it — you don't have time to learn the system
You're working toward homeownership and need your file cleaned up
You need to clean up your personal credit before applying for business funding
You complete the 6-document checklist: Service Agreement, Power of Attorney, Photo ID, MFSN enrollment, credit report, and $197 setup fee via Square.
After all 6 documents are received, Keyla waits 3 business days (required by federal law) before beginning disputes.
Keyla works your file round by round — prioritizing highest-impact items first: collections, charge-offs, repos, late payments, then inquiries.
You receive updates after each round. Every result — deletion, verification, or update — is documented. You're never in the dark.
DFY requires active full 3-bureau monitoring through MyFreeScoreNow. This is how Keyla tracks changes on your file throughout the process.
The contract that outlines what we do, what we don't do, and your rights.
Authorizes Keyla to act on your behalf as your authorized representative. Must be dated and match your legal name.
Driver's license, passport, or state ID. Must match the name on the POA.
Enrolled and confirmed through Keyla's link. This is how we see your full 3-bureau file.
Within 30 days preferred. If you don't have one, the MFSN enrollment provides it.
One-time fee for audit, POA processing, file creation, and dispute strategy performed at setup.
The $197 setup fee covers actual services performed at setup — not future dispute rounds. No specific result, deletion, score increase, or timeline can be guaranteed. Results vary based on individual credit profiles. You have the right to cancel this written service contract within three business days of signing. MFSN scores are educational, not FICO® lender scores.
We process all payments through Square. We do not accept Zelle, Cash App, Venmo, or peer-to-peer methods. MFSN is billed separately by MyFreeScoreNow.
Every dispute is grounded in the Fair Credit Reporting Act. We challenge inaccurate, incomplete, and unverifiable information — the exact language Section 611 and 623 require.
Highest-impact items first. Collections then charge-offs then repossessions then late payments then inquiries. Every round is strategic, not a sweep.
Every letter we send on your behalf includes your signed Power of Attorney and government ID. We are your authorized representative — legally documented on every communication.
DFY is not right for everyone — and we'd rather tell you that upfront than take your money and disappoint you. Fill out the form below and Keyla will review your situation within 24–48 hours.
We operate fully under CROA compliance — no advance fees, transparent pricing, and you have the right to cancel within 3 business days. Many credit repair companies charge monthly without performing services. We charge a one-time setup fee for work done at setup, then work your file throughout the year.
No. No legitimate credit services company can guarantee specific deletions, score increases, or timelines. Anyone who promises this is violating federal law or misleading you. What we can do is challenge every inaccurate, incomplete, or unverifiable item — and document every round.
Credit repair takes 6 months to 1 year, depending on the file. We never promise a specific end date — but we work strategically every round until the file is done.
We escalate. Round 2 tools include Method of Verification requests, No-Response letters, and — when needed — CFPB complaints attached to every subsequent letter. There are multiple rounds in this process.
MFSN accepts ITIN holders, and we work with ITIN clients using the same process. If you have an ITIN, you're welcome here.
Apply now — we'll review your situation and reach out within 24–48 hours.
Apply for DFY →