Fix Your Credit.
Reclaim Your Power.
Welcome to Modern Financial Institute — where transformation starts with trust.
Trusted by 2,700+ clients.
Over $75 million in negative debt deleted.
Thousands have already taken back control of their credit. You’re next.
Fix Your Credit.
Reclaim Your Power.
Welcome to Modern Financial Institute — where transformation starts with trust.
Trusted by 2,700+ clients.
Over $75 million in negative debt deleted.
Thousands have already taken back control of their credit. You’re next.
Why Choose Us?
Results in as Little as 45 Days
Over $75 Million in Debt Removed
2,000+ Satisfied Clients
A+ Client Reviews Across the Board
What we do (and what sets us apart)
We don’t believe in one-size-fits-all credit repair. Our team handcrafts custom disputes that target the specific issues on your report, not generic templates.
We specialize in removing or disputing:
FORECLOSURES
COLLECTIONS
CHARGE-OFFS
STUDENT LOANS
JUDGMENTS
MEDICAL BILLS
LATE PAYMENTS
REPOSSESSIONS
PUBLIC RECORDS
BANKRUPTCIES
CHILD-SUPPORT
HARD INQUIRIES
How It Works Section (3 Simple Steps)
Pick Your Plan
Choose 6 months or 12 months of support , whichever fits your timeline.
We go to work
Once you’re in, we start sending custom disputes on your behalf. No delays.
You track the magic
The credit bureaus have 30 days to respond, so most clients start seeing results in as little as 4 weeks.
Progress updates every 30 days.
You’re never in the dark.
CLIENT AND MENTEE REVIEW VIDEOS
TESTIMONIALS
Client Success Stories
MEET
credit doll kay
FEATURED IN
I’m Kay, founder and CEO of Modern Financial Institute, but most know me as The Credit Doll.
Nearly a decade ago, I was facing the same credit struggles many people deal with denials, debt, and no clear path to financial freedom. I chose not to stay stuck.
I mastered the credit game and turned my personal journey into a mission to help others do the same. With a dedicated team behind me, we’ve helped thousands of clients regain control of their finances—deleting over $75 million in negative debt, from collections and charge-offs to bankruptcies.
Our results and commitment to changing lives have been featured in outlets like Hollywood Times Magazine, but for us, it’s about more than recognition.
At Modern Financial Institute, we focus on breaking generational cycles, helping clients move past financial setbacks and build true stability, wealth, and legacy. Credit isn’t just about boosting a score. It’s about unlocking opportunities that create lasting change.
When you work with us, you’re not just repairing your credit, you’re building a foundation for your future. While every credit file is unique, many of our clients start seeing progress within weeks because we combine proven strategies with real dedication. We’re here to ensure you don’t just survive, you thrive. Let’s rewrite your story and build the legacy you deserve together.
Affordable Plans for Every Need
Platinum Expedited Plan
Expert Consulting
Get expert guidance and seamless support to help you achieve your financial goals faster. This plan ensures you have everything you need to move forward with confidence.
Comprehensive Support – Up to 6 months of expert consulting or until your file is complete.
Step-by-Step Guidance – Receive personalized strategies and professional assistance tailored to your needs.
Instant Access to Your Form – After signing up, you’ll receive an email with a link to the form you need to complete.
Elite VIP Expedited Plan
Expert Consulting
Get expert guidance and seamless support to help you achieve your financial goals faster. This expedited plan ensures you have everything you need to move forward with confidence.
Comprehensive Support – Up to 12 months of expert consulting or until your file is complete.
Step-by-Step Guidance – Receive personalized strategies and professional assistance tailored to your needs.
Instant Access to Your Form – After signing up, you’ll receive an email with a link to the form you need to complete.
STILL NOT SURE?
Frequently Asked Questions
How long does it take to see results?
Most clients start seeing results within 10-30 days, but full credit repair can take a few months depending on your file.
What can you remove from my credit report?
We help remove collections, charge-offs, late payments, bankruptcies, repossessions, inquiries, and more—legally.
Is credit repair legal?
Yes! Credit repair is 100% legal under federal law. We leverage consumer protection laws to dispute inaccurate, outdated, or unverifiable information.
Do you offer a guarantee?
No legitimate company can guarantee specific deletions. But we’ve helped thousands of clients successfully improve their credit.
Will deleting accounts lower my score?
In some cases, yes—especially with student loans or old accounts. But the goal is to remove negative items holding you back so your score can rebound stronger over time.
Do I need a consultation first?
Nope! You can get started right away—no consultation required. If you still want one, we offer paid consults.
Take Control of Your Credit Today