January 23, 2024
Business and Personal Credit

Is Balancing Your Business and Personal Credit a Challenge?

Many of us face the challenge of juggling these two aspects of our financial lives, and it’s not always an easy feat. In this blog post, […]
January 14, 2024

7 Lesser-Known Facts About Debt

  Debt is a topic that often elicits a mix of apprehension and curiosity. While many are familiar with the basics of borrowing and lending, there […]
January 4, 2024

Understanding the Fair Debt Collection Practices Act (FDCPA): Your Rights and Remedies

If you’ve ever felt overwhelmed or uncertain about your rights when dealing with debt collectors, you’re not alone. The FDCPA serves as a powerful tool designed […]
December 27, 2023
Credit Repair

Debt Consolidation or Credit Repair: Which Path is Right for You?

Understanding where you stand financially is like having a roadmap for your money journey. It’s a crucial first step that can make a big difference in […]
December 22, 2023
Credit Restoration

Next-Level Credit Restoration: Advanced Approaches for Lasting Results

Fixing your credit is more than just basic tricks—it’s about using smart and modern strategies. In this guide, we’ll dive into techniques that aren’t just a […]
December 20, 2023
Credit Repair

Credit Repair vs. Credit Building: Which is Right for You?

If you’ve ever scratched your head wondering about the best ways to boost your credit score, you’re not alone. Building and repairing credit are like the […]
December 5, 2023
Business Credit

Fast and Focused Moves for the Quickest Business Credit Scores

In the busy business world, getting a better credit score is crucial. This blog is like a helpful map for business owners who are looking for […]
November 28, 2023
personal credit coach

Wondering How to Gain Credit Confidence? Learn from a Personal Credit Coach

When it comes to achieving credit confidence, it all begins with a thorough understanding of the key factors that contribute to a solid small business personal […]
November 23, 2023
Best Credit Repair Companies 2023

Why Did My Credit Score Drop After Paying Off Debt?

Your credit score is a numerical representation of your creditworthiness, and it plays a crucial role in determining your eligibility for loans, credit cards, and other […]
November 17, 2023
personal credit coach

How to Request a TransUnion Credit Freeze?

Today, the importance of safeguarding your financial information cannot be overstated. Identity theft and data breaches have become all too common, leaving countless individuals vulnerable to […]
November 8, 2023
Credit Financial Education

Student Loans and Debt-to-Income: Strategies for Maintaining a Favorable Credit Financial Education Balance

When it comes to funding your education, there are several types of student loans available, each with its own characteristics and eligibility criteria. Understanding the differences […]
November 2, 2023
Credit financial fitness track

Maximizing Credit Fitness: Understanding the Limits of Points from Amount Owed

Thus, a good credit score and keeping credit financial fitness track can save you a substantial amount of money over time, while a poor credit score […]
October 27, 2023
credit repair programs

How to Repair Your Credit After Foreclosure

Foreclosure is a challenging and often emotionally draining experience. It’s the process by which a lender takes possession of a property when the borrower fails to […]
October 26, 2023
credit fix program

How Much Can a Strong Payment History Boost Your Credit Score?

In the world of personal finance, few numbers wield as much power as the enigmatic three-digit figure known as your credit score. It’s the key that […]
October 17, 2023
credit repair

Is Your Credit Healing as Aging Derogatory Marks Lose Their Edge?

Credit Repair, Derogatory marks on your credit report can significantly impact your ability to qualify for loans, credit cards, and other forms of credit. But the […]
October 8, 2023
Credit Repair Companies

What’s the Truth Behind the Perfect Credit Score Myth?

When it comes to money matters, there’s this thing called a “credit score.” It’s like a report card for your finances, and it can affect your […]
October 5, 2023
Credit Repair

Payment History and Points: What’s the Potential Impact on Your Credit Score?

Your credit score is like a financial report card that lenders, landlords, and potential employers use to assess your creditworthiness. At the core of this crucial […]
October 4, 2023
Credit Restoration Specialist

What is the E-OSCAR System for credit reporting?

In this blog, we’ll discuss credit reporting and demystify the E-OSCAR System, unraveling its intricacies, and shedding light on how it impacts your financial life. We’ll […]
September 22, 2023
Credit Score

Small Changes, Big Results: Simple Habits That Can Drastically Improve Your Credit Score

A credit score is a numerical representation of your creditworthiness, indicating how likely you are to repay borrowed money and manage credit responsibly. Lenders, such as […]
September 13, 2023
credit protection education

Is 850 the Magic Number? Exploring the Myth of the Perfect Credit Score

At its core, a credit score is a three-digit number that reflects an individual’s creditworthiness. It’s a numerical representation of your financial health and history, indicating […]
August 29, 2023
top credit repair companies

Why is Building Credit Important for Young Adults?

As you embark on your journey into adulthood, there are many exciting milestones and opportunities ahead. One crucial aspect that often gets overlooked amidst the thrill […]
August 3, 2017

US Senator Steps in to Help Man Clear Credit Report of Errors

ASHLAND, MO (KCTV) – A Missouri man’s three-year quest to clear his credit report of errors is finally close to being resolved after a U.S. senator […]
July 10, 2017

Accuracy Problems on Credit Reports

Recently posted on the Consumer Financial Protection Bureaus website:  “Accuracy problems at consumer reporting agencies: Examiners continue to find accuracy problems at one or more of the […]
July 10, 2017

Debt Negotiation – Do It Yourself, or Have it Done For You

When you are in serious trouble because you cannot repay your credit cards or personal loans, you put yourself in jeopardy. Did you know that the […]
July 10, 2017

Do You Need An Alternative Identity Number?

You have probably heard the buzz at some point:  “there are ways to create an alternative tax identification number”.  So I felt it was important to […]
July 10, 2017

Congress Contemplates Reasons and Fixes for 40 Million Credit Report Mistakes

Congressman Lacy Clay and Donna Perkins photographed at an event August 5th as a fundraiser for Congressman Clay’s reelection.  At this event, Ms Perkins was representing […]
July 10, 2017

40 Million People in US Affected by Innacuracies on Their Credit Reports Says 60 Minutes

In an “industry sponsored” report provided to the federal government, Equifax, TransUnion and Experian claim that 95% of people in the US are “satisfied” with the […]
July 10, 2017

Red Flag Rules Part Two

Who must comply with the Red Flag Rules?  Banks, Credit Unions, financial institutions, and creditors if they have “covered accounts”.  Covered accounts means any entity which […]
July 10, 2017

Red Flag Rules of Identity Theft, Part One

What are Red Flag Rules?  This concept is not to be confused with “Red Lining”.  Red Flag Rules tell you how to develop and implement an […]
July 10, 2017

Your Kids & Credit – Part Two: Where to Start

It’s The Little Things. When kids get into the first grade, they are introduced to coins. They are taught their amounts, how to count coins, and […]
July 7, 2017

Your Kids & Money – Part One: Where To Start

As a responsible parent, it is important to teach your kids about the wonders and pitfalls of money management. But if you are in financial trouble […]
July 7, 2017

Father’s Day Credit Ideas

Father’s Day is so special, I’m thinking of my dad at the same time I am thinking about my son who is a dad.  How different […]
July 7, 2017

Creditors or Collectors May Be Violating Your Rights!

If you have ongoing debt problems, you probably are getting creditor or collector phone calls to your home, office, friends or family…which can be a real […]
July 7, 2017

Credit Restoration Myth #12: Paying Old Debts Removes Negatives

(Note to consumers:  This is the twelfth in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 6, 2017

Credit Restoration Myth #11: My Score = My Getting New Credit

(Note to consumers:  This is the eleventh in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 6, 2017

Credit Restoration Myth #10: Cash For Everything = Good Credit

(Note to consumers:  This is the tenth in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 6, 2017

Credit Restoration Myth #9: Credit Cards Paid Off Each Month = High Credit Score

(Note to consumers:  This is the nintht in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 6, 2017

Credit Restoration Myth #8: Applying For New Credit Will Drop My Score

(Note to consumers:  This is the eighth in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 6, 2017

Credit Restoration Myth #7: My Privacy Will Be Affected by Credit Scoring

(Note to consumers:  This is the seventh in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 5, 2017

Credit Restoration Myth #6: Minorities Get Short Changed By Credit Scoring

(Note to consumers:  This is the sixth in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 4, 2017

Credit Restoration Myth #5: Bankruptcy Ruins My Credit for 7-10 Years

(Note to consumers:  This is the fifth in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 4, 2017

Credit Restoration Myth #4: I Can Do Credit Repair Myself

(Note to consumers:  This is the fourth in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 4, 2017

Credit Restoration Myth #3: Paying Off Old Debts Will Remove Negatives On My Credit Reports

(Note to consumers:  this is third in a series on debunking credit repair and credit restoration myths.  The information contained herein is deemed to be accurate, […]
July 4, 2017

Credit Restoration Myth #2: Credit Bureaus Keep Derrogatories on My Credit Report for 7-10 Years

(Note to consumers:  This is the second in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 4, 2017

Credit Restoration Myth #1: Information on My Credit Report Cannot Be Changed

(Note to consumers:  This is the first in a series regarding common misconceptions about credit repair or credit restoration.  The information contained is deemed to be […]
July 4, 2017

Pay Day Loans Resolved

Let’s face it…you got into a bind.  You needed a quick infusion of cash.  You went to a money broker, commonly called a Pay Day Loan […]
July 4, 2017

Business Credit Funding Suite is Here!

The business credit and funding suite is the most comprehensive funding system available in the world today.  Through the funding suite, business owners have unprecedented access […]
July 4, 2017

Is Business Credit A Real Possibility?

Business credit is a wondrous thing.  Most people don’t understand just how wondrous it can be!  Business owners can build an exceptional business credit profile for […]
July 4, 2017

Is Credit Repair A Scam?

There is so much negative information on the net these days regarding credit repair.  It’s hard to tell the good guys from the bad guys.  Articles […]
July 4, 2017

Joint Credit: Should You or Shouldn’t You?

When you are single and apply for a credit card, house or car, you are the only one responsible.  You are the one that affects your […]
July 4, 2017

ATM Charges & Bank Fees: Are You Fully Informed?

Back before 1988, there were no ATM charges.  Afterwards, a Nevada bank started charging a bank fee for withdrawals made on a bank other than its […]
July 4, 2017

Drowning in Student Loan Payments?

With more than one trillion dollars in current student loans, and climbing, there are literally thousands of students who are under water on their payments.  You […]
July 4, 2017

Do You Need Help Deciding On A Student Loan?

Did you know that students loans in our country are now more than one trillion dollars?  That is more than the total credit card debt and […]
July 4, 2017

Fair Access to Credit Scores Proposed Legislation

In 2013, a new law is being brought before Legislators to help consumers better review and understand their credit scores.   This new amendment to the Fair […]
July 4, 2017

Fighting Financial Elder Abuse

During National Consumer Protection Week, the Consumer Finance Protection Bureau (CFPB) announced they are putting their attention on Financial Elder Abuse.  This is a national epidemic, […]
July 4, 2017

Help! A Creditor is Suing Me…What Now!

All too often in these economic times, consumers are getting hit with lawsuits from creditors.  Faced with mounting defaults on credit card payments, car loan payments […]
June 28, 2017

Miniscule # of Complaints About Credit Repair in 2012

The Federal Trade Commission[1], who along with the help of the Consumer Finance Protection Bureau, has long been the watchdog of the credit repair industry.  In […]
June 28, 2017

“60 Minutes" Expose on Credit Reporting

It’s official!  The state of our credit has made national news!  60 Minutes did an expose on the state of the nations credit histories for our […]
June 28, 2017

The Outrageous Cost of a "Fair" or "Poor" Credit Score

What most people don’t really realize is the “cost” of having a mediocre or poor credit score.  They go on their merry way paying whatever the […]
June 28, 2017

Credit Cards Dominate Consumer Reports – Credit Repair

Dec 13 2012:  By Nicholas Owens, Guest Columnist Consumer Financial Protection Bureau report details how the nation’s largest credit bureaus manage consumer data Credit cards dominate […]
June 28, 2017

Are You Underbanked? Try Second Chance Checking Accounts

There are at least two versions of the word “underbanked”: 1)   Those who have had a checking account closed by the bank.  This usually occurs when […]
June 28, 2017

Primary vs. Secondary Identity Data – Do You Know The Score?

Credit reports can be mysterious documents to read and understand.  In this section, we will dissect the document by sections so you can become more familiar […]
June 28, 2017

How Will the CFPB Affect Your Credit?

Did you know that at least 85% of credit reports in the United States have errors?  Do you understand what those errors mean to you?  Well, […]
June 28, 2017

A New Credit Report For Mortgage Lenders

It was announced recently that a new credit report would be available to the public and lenders.  In a partnership between Fair Isaac Corporation (FICO) and […]
June 21, 2017

Do You Have The “RIGHT” Score?

Some people don’t have that “right score” so they are denied rights that they normally should have, like getting a loan approved or a new credit […]
June 21, 2017

Credit Repair and Bankruptcy

Many people ask us “will bankruptcy completely screw up our credit report”?  The answer is, of course, complicated.  The short answer is “yes”, and the longer […]
June 21, 2017

Is Your Credit Score "High" Enough?

We are in a world where everything we do is out there on Facebook, Twitter, LinkedIn, and every other kind of social media. Our lives are […]

Success Stories – Hear From Some of Our Satisfied Clients

Adam Thomas

I was quickly approved for business financing and was able to get money to start my new franchise. Thanks for the help!

Brett Russell

My personal credit is not that good. After getting turned down at multiple banks, I signed up with your business credit program. I have made really ...

Carna Henderson

Donna, As a satisfied client, I would like to thank Kansas City Credit Services for the excelent services provided to my husband and I. In great ...

Denise Yeagle

"Donna is a highly professional business associate with fantastic results in her field of expertise! I would recommend Donna to anyone needing her advice and or ...

Dorothy Lowell

You're the best! You got me approved for funding even when my personal bank turned me down due to bad personal credit.


In 1998 I was separating from a spouse who left me with substantial credit issues. A former friend of mine shared with me their success with ...

John Fancher

“I just want to thank you, Donna… You did more for me in one month than Lexington Law did in 10 months. You have moved me ...

Joseph G.

“Thank you for not giving up on me. We want things easy and we want things now whether they damage us or not. I went from ...

Lansa Johnson

To Whom It May Concern: My name is Lansa Johnson, when I came to Donna and her team at Kansas City Credit Services I was very ...

Maria McClure

I can't thank you enough! I was able to get enough capital to cover the expenses we had during our closed season. Thanks to your help, ...

Mark Delhougne

I want to thank you for the valuable service your company performed on one of my very best clients. A gentleman whose credit had been seriously ...

Neal Yeagley

"Donna is simply incredible with her knowledge and reputation that she has created in the credit repair field. I can think of very few who have ...

Patricia Guerra

I had lost my job of 13 years and my personal credit was in bad shape. Now I have been able to build busines credit and ...

Paul H

In 1999 I began to see a noticeable increase in the number of individuals coming to me with credit challenges. I began looking for a resource ...

Peggy Bashkroff

"Donna is amazing! She knows her field of work and gets the job done efficiently, while serving her clients in a professional, positive and concerned manner." ...

Rachel Trask

"I have sent several of my clients to Donna for credit services. She goes above and beyond to educate and help each client. They are pleased ...

Rob Kaplan

"Donna has a vast amount of hands-on credit repair experience. She is a self-motivated, result-oriented business woman who knows the credit repair industry inside and out. ...

Steve Trigg

I figured I had business credit since I have been in business almost 10 years, but I found out I didn't have any history at all. ...

Teresa Brockett

"Donna has been my go-to person in the industry when m clients have needed a dependable crdit expert. In the mortgage industy, credit scores are everything. ...

Timothy Chin

"Donna is not a "johnny-come-lately" to the credit restoration business. She has written the book on how credit repair should be done and has been a ...

Todd Harris

"Used Donna for over 2 years and they did remove items from all three credit bureaus. I would highly suggest you use Donna." Todd Harris, VP ...