Fix Your Credit. Reclaim Your Power.
Welcome to Modern Financial Institute — where transformation starts with trust.
Click to play the video below and make sure you have the sound turned on
Trusted by
3,000+ clients
Negative Debt Deleted
$100 million
Credit Restored for
3000+
Why Choose Us?
Results in as Little as
30-45 Days
Over $100 Million in Debt Removed
3,000+ Satisfied
Clients
A+ Client Reviews Across the Board
Plans are available both in advanced & expedited.
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
(3 Simple Steps)
Pick Your Plan
Choose 3 months or 6 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
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.
FEATURED IN
Affordable Plans for Every Need
Platinum Expedited Plan
Our most popular package for clients who want maximum coverage and faster results.
6 months of expedited credit repair service or until the file is clear (whichever comes first)
Aggressive disputes across all 3 bureaus with advanced dispute letters.
We challenge all negative accounts: collections, charge-offs, repossessions, bankruptcies, late payments, inquiries & more.
Expedited results with updated credit reports every 30–35 days.
Monthly progress tracking and detailed updates.
24/7 portal access to track results anytime.
Customer service email + direct emergency line for full support.
Instant onboarding form provided right after sign-up.
Best for clients with multiple negative accounts who want aggressive service and longer coverage.
Gold Expedited Plan
A shorter-term plan for clients with lighter credit issues or those wanting to test the process.
3 months of expedited credit repair service.
Aggressive disputes across all 3 bureaus with advanced dispute letters.
We challenge all negative accounts: collections, charge-offs, repossessions, bankruptcies, late payments, inquiries & more.
Expedited results with updated credit reports every 30–35 days.
Monthly progress tracking included.
24/7 portal access to monitor results anytime.
Customer service email + direct emergency line so you’re never left in the dark.
Instant onboarding form provided right after sign-up.
Perfect for clients with a few negatives or who want a starter option with full support.
STILL NOT SURE?
Frequently Asked Questions
How long does it take to see results?
Most clients start seeing results within 30 days, but sooner changes can be tracked via credit karma or Experian.com. Full credit repair can take a few months depending on the complexity of 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
