Koala Capital · Client portal
Get your credit back on track.
We help you find mistakes on your credit report, fix them the legal way, and build good credit, one simple step at a time. You see everything in your own private account.
New accounts are reviewed and approved by Koala Capital before your portal opens.
What you get
- We check all three of your credit reports
- We dispute the mistakes, in writing
- You get a simple plan to build good credit
- Your letters and progress in one safe place
How it works
Credit recovery in five simple steps
Sign up
Make your free, private account. Only you and our team can see your file.
We look at your reports with you
We go through your Equifax, Experian and TransUnion reports, line by line, and point out anything that looks wrong.
We fix what's wrong
Mistakes, outdated items and things that can't be proven get disputed in writing, the legal way.
You build good credit
A simple plan: pay on time, keep balances low, and add the right accounts when you're ready.
You see every step
Every letter, every answer, and what happens next, in your own account.
Your rights
The law is on your side
Cleaning up your credit means fixing what's wrong, not hiding what's true. Here's what the law gives every person.
Sources: the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), and the Consumer Financial Protection Bureau (consumerfinance.gov).
Your reports are free
Get your reports from all three credit bureaus for free at AnnualCreditReport.com. That's the official site.
Mistakes must be checked
When you dispute something, the credit bureau usually has 30 days to look into it (45 in some cases). If it's wrong, or can't be proven, it must be fixed or taken off.
True information can stay
Most true negative items can stay for up to 7 years, and some bankruptcies for up to 10. Nobody can legally remove true, up-to-date information.
You can do it yourself, for free
You always have the right to dispute mistakes with the credit bureaus yourself, at no cost. Getting help is your choice.
You're protected when you hire help
By law, a credit repair company can't charge you before the work is done, must give you a written contract, and must let you cancel within 3 business days.
Credit building
What makes your score go up
Here's what FICO says matters most, so you know where your effort pays off.
35%
Paying on time
The biggest part. Even one payment that's 30 days late can hurt for years.
30%
How much you owe
Keep card balances low compared with your limits.
15%
How long you've had credit
Older accounts help. Think twice before closing your oldest card.
10%
New credit
Only apply for what you need. Lots of applications at once can lower a score.
10%
Types of credit
Having both cards and loans can help a little, over time.
General weights for the population as a whole, as published by FICO. Each person's score depends on their own report, and other models (like VantageScore) weigh things differently.
Our promise
Honest work, on your side
Real credit repair is careful, honest and legal. Here's what Koala Capital will never do.
- Promise you a score, a result or a removal
- Tell you to use any number other than your own Social Security number
- Dispute things that are true, or ask you to say anything untrue
- Sell you shortcuts or "credit hacks"
Questions
Frequently asked
How long does credit recovery take?
Each round of disputes usually takes 30 to 45 days to get answers, and most people need a few rounds. Building good habits takes months. Every file is different, so nobody honest can promise a timeline or a result.
Will checking my credit hurt my score?
No. Looking at your own reports never lowers your score.
Can late payments come off my report?
A late payment that's wrong (wrong date, wrong amount, or not yours) can be disputed and must be fixed. A late payment that's true can stay for up to 7 years, but its effect shrinks over time, and some lenders will consider a polite "goodwill" request.
What's a good credit score?
On the FICO scale of 300 to 850, scores from 670 to 739 are considered good, and 740 and up very good. Getting above 700 is a great goal for most people.
Is my information safe?
Yes. Your file is in a private, encrypted account. Only you and our team can see it.
Do I need an invitation?
If we emailed you an invitation, use that link. If not, you can sign up here and we'll approve your account, or sign in if you already have one.
Ready to start?
Create your secure account. We'll review and approve it shortly.