Be free from credit and debt problems
We’ll help you re-establish your credit with straightforward, no-nonsense guidance.
Most credit companies sell you on easy solutions that don't work
When you aren’t making progress, you feel stuck like you’re working for nothing. Who needs that? We believe you deserve realistic advice that gives you real results.
Credit World provides straightforward debt relief and credit profile restoration services, along with month-to-month help.
We’ve helped thousands of people re-establish their credit, pay off debt, and start making their money work for them.
- Finance a Home
- Purchase a Car
- Get a Credit Card
- Pay off Debt
Credit World Services
Credit profile restoration services
Debt relief services
Monthly check-ins
A plan that works
Achieving good credit can be tough, but if you’re willing to stick with it for 6 to 12 months, we will get you there. Here’s how it works at Credit World.
Give us a call.
We’ll talk about how you got here, analyze your situation, and review your credit report, line-by-line.
Create a plan.
We’ll create steps you can start taking to build your credit and lower your debt. There are more options than you think.
Work the plan.
Month after month, we’ll tell you what steps to take and encourage you to keep going. You’ll have the guidance you need until your goal is achieved.
Instead of staying stuck, start feeling the relief that comes with having a real plan—and a real person—on your side.
Credit World is a small business, and we truly want to see people get their finances in order. Like a fitness coach, we’ll show you what to do to be free from debt and improve your credit. And we’ll encourage you to keep doing it. When our clients follow our guidance each month, and take the steps necessary, they find themselves able to finally have their money working for them.
- Thousands of happy customers
- Transparent approach
- 4.7 rating on Google
- Located in Phoenix
Credit World Financial Services
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Nelson
Very helpful in explaining the pros-con of how to improve my credit, and save money in paying... read moreVery helpful in explaining the pros-con of how to improve my credit, and save money in paying of my medical bills. read less -
Deshawn B.
Keith is Really helpful, Quick to get the job done.I would recommend his services to anyone! -
K G.
Keith knows everything that will improve personal credit. He provides great advise and info on things you probably didn’t know... read moreKeith knows everything that will improve personal credit. He provides great advise and info on things you probably didn’t know about or even think to ask. Not even my web searches leveled up to Keith’s expertise. Thanks for everything! read less -
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Tino M.
I have dealt with Keith for many years and has always been very professional and has helped me out with... read moreI have dealt with Keith for many years and has always been very professional and has helped me out with many things with my credit report. Just recently he also guided me on what to do after my bank accounts were hacked and my social was at risk. He told me exactly what to do to protect my credit and social. I will always refer him to friends and customers. read less -
Alex S.
Keith was wonderful on the phone and offered me advice without asking for money, highly recommended and a pleasure to... read moreKeith was wonderful on the phone and offered me advice without asking for money, highly recommended and a pleasure to talk to. read less -
Cherie F.
Keith was very knowledgeable ,thorough and extremely helpful. -
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Cam R.
Amazing service! Ive dealt lots of credit repair agencies & I promise you will not find better service anywhere else.... read moreAmazing service! Ive dealt lots of credit repair agencies & I promise you will not find better service anywhere else. I called to ask some general questions and knew I was in good hands within the first 2 minutes of the phone call. I cant thank CWF services enough! read less -
marcus w.
Keith was amazing!!!! Right from the first phone call I truly knew he was there to assist. He helped... read moreKeith was amazing!!!! Right from the first phone call I truly knew he was there to assist. He helped my credit score go up at least 80-100 points in a matter of months. He provided sound advice and knew exactly what he was talking about. He it truly honest and once he got to a point where I needed no further help, he reached out to me and let me know he wouldn’t be charging me for the services since they were no longer needed. If you are needing help with your credit Keith is truly the way to go.Sidenote I had a credit issue this morning I called Keith and he worked on right away. He even got on the phone with the creditor and got the issue resolved for me in a matter of 10 minutes at no charge. Truly embody the idea of working for the client. I can’t say enough thanks Keith!!!! read less -
Cam Raufmann
Amazing service! Ive dealt lots of credit repair agencies & I promise you will not find better service anywhere else.... read moreAmazing service! Ive dealt lots of credit repair agencies & I promise you will not find better service anywhere else. I called to ask some general questions and knew I was in good hands within the first 2 minutes of the phone call. I cant thank CWF services enough! read less -
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marcus wilcox
Keith was amazing!!!! Right from the first phone call I truly knew he was there to assist. He helped... read moreKeith was amazing!!!! Right from the first phone call I truly knew he was there to assist. He helped my credit score go up at least 80-100 points in a matter of months. He provided sound advice and knew exactly what he was talking about. He it truly honest and once he got to a point where I needed no further help, he reached out to me and let me know he wouldn’t be charging me for the services since they were no longer needed. If you are needing help with your credit Keith is truly the way to go.
Sidenote I had a credit issue this morning I called Keith and he worked on right away. He even got on the phone with the creditor and got the issue resolved for me in a matter of 10 minutes at no charge. Truly embody the idea of working for the client. I can’t say enough thanks Keith!!!! read less - 
Sarah M.
When I first spoke to Keith I had the craziest bad credit story he had ever heard. I had my... read moreWhen I first spoke to Keith I had the craziest bad credit story he had ever heard. I had my car stolen from a bad friend, they were also my roommate and left a big debt on an old apartment and many other bills that were now my fault and I had to deal with. At one point I considered bankruptcy after all they had took from me. Instead I found Keith he managed to get my car back from the people who stole it, he is now working with me to get into a new apartment and we are working on building my credit. I was hopeless when I came to him and in a matter of months I’m seeing the bright side of things . He is also such a nice man and is almost like talking to a friend.Thank you sooo much Keith!!! read less -
Patrice S.
I'm so glad I called Keith! He was very knowledgeable and professional. He gave me valuable information in order to... read moreI'm so glad I called Keith! He was very knowledgeable and professional. He gave me valuable information in order to rebuild my credit and I left the call feeling at peace. read less -
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Patrice Stewart
I'm so glad I called Keith! He was very knowledgeable and professional. He gave me valuable information in order to... read moreI'm so glad I called Keith! He was very knowledgeable and professional. He gave me valuable information in order to rebuild my credit and I left the call feeling at peace. read less -
Eddie S.
Thank you Keith. I was at the end of my financial ropes when Keith informed me that he's available to... read moreThank you Keith. I was at the end of my financial ropes when Keith informed me that he's available to help me. After considering this offer, I accepted. This life line definitely saved me from falling behind on matters I value in finances. Nite, I just need my government to reciprocate this same sense of trust. read less -
Tabbetha W.
Keith is nothing short of AMAZING!!! He has done an incredible job in my case. He is extremely knowledgeable, efficient... read moreKeith is nothing short of AMAZING!!! He has done an incredible job in my case. He is extremely knowledgeable, efficient and a skillful negotiator. The outcome in my case couldn't have been any better. In fact, I sought help for my situation before going to Keith. The advice I was giving, was to just take care of it and call it a day. Not with Keith, he worked on my behalf and was able to have an account of mine completely dismissed due to a loop hole.I can't begin to tell you how happy I am with his performance and results. I'm definitely referring him to anyone who needs his help. read less -
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Rashel V.
I contacted Keith and he was very pleasant as well as very honest. Although we were not able to move... read moreI contacted Keith and he was very pleasant as well as very honest. Although we were not able to move forward with business now. He pointed me in the right direction. He could have very well took my money and sold me a dream. It’s because of his honesty and straight forward ness I will definitely be doing business with him in the future when I handle a couple of other things. I highly recommend him to anyone and everyone that may need help with there credit repairs. read less -
Joejohn H.
Keith Jenkins is very honest and respectful person who goes beyond to help you with your family and situation and... read moreKeith Jenkins is very honest and respectful person who goes beyond to help you with your family and situation and will find solutions for you as long as you follow his steps (LISTEN TO HIM!) He provides you with the resources he has to start off working on your goals, I highly recommend him!!! Thank you Mr.Jenkins Ana & Jose😊 read less -
Camerina D.
Keith was awesome he called me back right away and discussed everything I needed to know . He made me... read moreKeith was awesome he called me back right away and discussed everything I needed to know . He made me fell so much better after speaking to him and will highly recommend to anybody that needs credit assistance .🙂 read less -
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Corissa R.
Keith is amazing! Listen to what he tells you to do and your credit will turn around. He helps do... read moreKeith is amazing! Listen to what he tells you to do and your credit will turn around. He helps do so much of the work for you. He follows up in emails and phone calls so you are always updated! He is quick to answer any questions you have and he will be very down to earth with you on how to fix things. Highly recommend! read less -
terriandsteven P.
I am absolutely excited about what my future looks like. Six month's ago my credit was as bad as it... read moreI am absolutely excited about what my future looks like. Six month's ago my credit was as bad as it gets, buying a car was impossible and paying 24.6 % interest rate on my much needed family vehicle was outrageous. But after just six months working with Keith and letting him do what he does best my credit has gone from bad to good and I couldn't be happier. I'm now in a new car and only paying 7.9% interest rate. And looking forward to Buying a new home one day. read less -
Steven O.
As an update. Credit score is now 811All I had to do is pay attention and pay my billsKieth did... read moreAs an update. Credit score is now 811All I had to do is pay attention and pay my billsKieth did all of the leg work and provided the guidance in the first 6 months. All I had to do was follow it and follow though on my promises to pay.My home and auto insurance is cheaper, credit card APR’s(now have 2 cards with over $100,000 in available credit)are as low as can be. Bought a second home with no problem, zero percent financing on a car.Companies are begging to loan us money.Again, thank you Keith. You changed our life’s forever. I have saved the money I spent(that I couldn’t afford at the time) 50 time over in just 4 years.Keith at Credit World took our, My wife and I, from a 500 and 510 score to a 750 and 760 in just 2 years. (don't know why my wife's is higher? I make all the money)Anyway, we followed his advise to the "T", our scores came up steadily and are still climbing.Seamless process. Called him and set an appointment then went to his office, he asked lots of questions and provided all of the answers in about an hour. Printed out several pages that included our plan of attack. The list of instructions for what we needed to do were clearly highlighted and appropriately easy to follow through with. Once a month I mailed him any and all collector bills and mailings,(he provided envelopes and mailing labels), he addressed every line on our credit report(there were a lot of them from 20 years of neglecting Dr. bills, credit card charge off's and other issue) until they were all gone. It took about 6 months to see the first improvements to our scores(came up to the 550 range), then gains came quickly. About 50 points every 6 months or so.What a difference in life. I refi'ed my house to a 3.65%, That alone justified the little we paid him in comparison that the new rate has saved us. We also got a credit card from BofA with a $20,000 limit (that we will use responsibly), What a great feeling it is to know that we have financial security and do not have to worry about "things" anymore.Here we are over two years later and just today I had a credit related question, called Keith, I have not paid him a dime since our first meeting, and he called me back within 24hrs, listen to my questions and is going to research the answers and get back to me.Thank you Keith. You changed our lives. read less -
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Cheyenne L.
I am extremely grateful to Keith for helping me. I was being sued by a law firm in regards to... read moreI am extremely grateful to Keith for helping me. I was being sued by a law firm in regards to a charged off account. I was completely overwhelmed and Keith stepped in and help settle, setting me up with a payment plan and saving me a large sum of money. He’s the best and I would definitely recommend him to those in need of his services. read less -
Cecilia J.
Keith worked very hard to work with the debt collectors to settle at an amazing discount. I recommend CWFS... read moreKeith worked very hard to work with the debt collectors to settle at an amazing discount. I recommend CWFS to anyone that needs help getting their debts in order and rebuild their credit. read less -
Adam S.
The best phone call and service I have used so far, I have called at least 10 of these companies... read moreThe best phone call and service I have used so far, I have called at least 10 of these companies and got so tired of them pushing me in wrong directions because their sales manager. Keith actually cares, takes the time to help, and there is no one else I would recommend, frankly the rest have been awful to deal with. read less -
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Patty W.
Keith is AWESOME! He help me so much, he was super informative. Thanks to him my dream of becoming a... read moreKeith is AWESOME! He help me so much, he was super informative. Thanks to him my dream of becoming a home owner is coming true! Not to mention all the money he saved me. Thank you so much. read less -
Savas M.
Keith is very straightforward about the whole credit repair processHe help me with my Credit situation, and he was... read moreKeith is very straightforward about the whole credit repair processHe help me with my Credit situation, and he was there to answer my questions quickly via email and phone excellent service. read less -
javier a.
Great place! I scheduled a free consulation and got all the information I needed in 5 minutes, and Keith was... read moreGreat place! I scheduled a free consulation and got all the information I needed in 5 minutes, and Keith was very nice and helpful with my questions, I feel much more confident with the direction my credit is going in after speaking with him. I strongly recommend you speak with Keith if you're having problems with your credit! read less -
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Maria R.
He was very helpful!!! He was honest with my situation and referred me to get the help that I needed... read moreHe was very helpful!!! He was honest with my situation and referred me to get the help that I needed provided some documents at no cost read less -
Jeffrey S.
Great communicator, always available and got us GREAT results! Our credit is back on track thanks Keith and Credit World... read moreGreat communicator, always available and got us GREAT results! Our credit is back on track thanks Keith and Credit World Financial Services. In fact, he did such a great job we are using him again! read less -
Cheyenne L.
I am extremely grateful to Keith for helping me. I was being sued by a law firm in regards to... read moreI am extremely grateful to Keith for helping me. I was being sued by a law firm in regards to a charged off account. I was completely overwhelmed and Keith stepped in an help settle, setting me up with a payment plan and saving me a large sum of money. He's the best and I would definitely recommend him to those in need of his services. read less -
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Adam S.
The best phone call and service I have used so far, I have called at least 10 of these companies... read moreThe best phone call and service I have used so far, I have called at least 10 of these companies and got so tired of them pushing me in wrong directions because their sales manager. Keith actually cares, takes the time to help, and there is no one else I would recommend, frankly the rest have been awful to deal with. read less -
Kasey P.
Keith is highly intelligent will always give it to you straight. You really helped me out especially during a hard... read moreKeith is highly intelligent will always give it to you straight. You really helped me out especially during a hard time when I had to get something on my credit taken care of quickly and so I can find a place to live for my family and you did and I got a good deal out of it. I will be going back to him when I look for a house as well. read less -
Bridogger6
Unfortunately, Keith was not able to assist me directly. However, he was able to lead me to some good options... read moreUnfortunately, Keith was not able to assist me directly. However, he was able to lead me to some good options considering my circumstances.We didn’t get overly in depth, but I can tell just from our free consultation that he really knows his stuff. I would recommend him if you’re working on repairing your credit. read less -
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Bohica R.
I asked Keith for help a couple of years ago. My credit score was in the 500s. I couldn't... read moreI asked Keith for help a couple of years ago. My credit score was in the 500s. I couldn't borrow a cup of sugar from anyone. Keith made recommendations and I listened to each and every thing he told me, and then did it. Two years later and my credit score is now 758. Thank you Keith. read less -
Nathan B.
Keith is a phenomenal financial counselor and credit resolution specialist, he helped my wife and I , not only drastically... read moreKeith is a phenomenal financial counselor and credit resolution specialist, he helped my wife and I , not only drastically improve our credit score but also lead us to financial freedom!!!! read less -
John C.
Keith was a terrific help in getting my credit back on track. He has great follow thru and still is... read moreKeith was a terrific help in getting my credit back on track. He has great follow thru and still is always available to answer questions and give advise. I Strongly recommend him if your in need of credit rebuilding! read less -
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robert s.
Thank you so much for repairing my credit I was getting so many closed doors but now I am getting... read moreThank you so much for repairing my credit I was getting so many closed doors but now I am getting so many good opportunities where I'm having to pay last four things I need because of good credit I would recommend him to anybody if you're reading this and you are looking for somebody to repair your credit he is your guy he will help you if you're trying to buy a house or just establish credit I would recommend him versus any other company I searched for different companies when set him up part was he owns the company and he will get right back to you very friendly and helpful 😀😀 thank you so much read less -
ALLIE R.
Great customer service and helps you on your way with good credit very polite always returns his calls -
Richard S.
Credit World Financial has become my personal confidant in a not so friendly Banking world. My credit was an... read moreCredit World Financial has become my personal confidant in a not so friendly Banking world. My credit was an ugly 455 fico when I started with Kieth. Now I can easily brag a 700 fico to any lender. Thank You ...P.S. Best Financial move I ever made!! read less -
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Blake J.
Great Value!! Keith did exactly what he said he would and 6 months later I am buying a house!!! Thank... read moreGreat Value!! Keith did exactly what he said he would and 6 months later I am buying a house!!! Thank you so much Keith for your help!!!! read less -
abra k.
Keith helped get my credit score to the highest I've had it in a very long time. I would recommend... read moreKeith helped get my credit score to the highest I've had it in a very long time. I would recommend him to anyone trying to improve their credit. He is very well experienced and always offers me advice when I call. read less -
Heidi G.
Keith was extremely helpful providing me with information to best help me and my credit. I completely recommend him.👍👍Thank you, Keith. -
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Stephen P.
This Gentleman is passionate about his field and very intelligent when it comes to credit! The only guy i trust... read moreThis Gentleman is passionate about his field and very intelligent when it comes to credit! The only guy i trust in AZ to tackle any credit related concerns! 🙂 read less -
Scott N.
Saw the results I was after; a big boost to my credit score! -
ValleyPro P.
Thanks Keith, you helped raise my score over 100pts and my fiancee almost 150!! I appreciated you being very upfront... read moreThanks Keith, you helped raise my score over 100pts and my fiancee almost 150!! I appreciated you being very upfront about your service and keeping updated on how things were going. I would highly recommend your service!Can't go wrong! read less -
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Carol L.
When applying for a mortgage, I discovered that my credit score had gone from excellent to poor. The lender... read moreWhen applying for a mortgage, I discovered that my credit score had gone from excellent to poor. The lender recommended that I use a professional to help me restore my credit quickly. I met with Keith immediately and within 45 days I was back at excellent. Keith is very efficient, tells it like it is, and is fun to work with. Thanks Keith! read less -
Von R.
While mortgage shopping on the Internet, I discovered that there were some issues affecting my credit score. Not totally understanding... read moreWhile mortgage shopping on the Internet, I discovered that there were some issues affecting my credit score. Not totally understanding the reasons why, I called Credit World, and within an hour I was discussing these credit issues with Keith Jenkins. Keith asked me some basic questions, pulled my credit report, and gave me some helpful advice. As it turned out, I didn't really need credit repair, but rather some easy fixes instead. Nonetheless, we talked for about a half hour and he also gave me a referral of a colleague who as more suited for what I needed. Best of all, Keith never charged me a dime for his services either. Now I can take advantage of the low mortgage rates and get an attractive quote on a refinance as well! So if you're considering calling Credit World, don't hesitate! This gentleman really knows his stuff and I highly recommend his services. Thanks again for your valuable help and the referral you recommended Keith Jenkins! read less -
carlos r.
I followed Credit World advise to a T. my score went from 560 to 685 in just a few months...... read moreI followed Credit World advise to a T. my score went from 560 to 685 in just a few months... i was able to purchase our home and investment property the same yr... i Highly recommend Credit World to anybody... my current score is 715!!!! read less -
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Michael C.
Thank you Keith, and Credit World Financial! What a great job you and your company did reconstructing my credit! From... read moreThank you Keith, and Credit World Financial! What a great job you and your company did reconstructing my credit! From June to August, Keith was able to increase my score by almost 100 points. Keith was honest and straight to the point. No BS! I would highly recommend Credit World Financial to anyone. read less -
Jennifer M.
I did everything Keith told me to do and my credit score is now 692 from 520. On my way... read moreI did everything Keith told me to do and my credit score is now 692 from 520. On my way to be a home owner. Thanks a bunch Keith!!! read less -
James M.
I met with Keith Jenkins this morning and left feeling a lot better than when I arrived. I was... read moreI met with Keith Jenkins this morning and left feeling a lot better than when I arrived. I was concerned about credit card/home equity debt and possible restructure. He helped me figure out my best course of action, advised me how to pay off my debt, how credit scores are determined. He recommended I keep credit cards open, use them periodically, and pay them off monthly as this helps increase credit scores. I was very satisfied. Keith is very caring, knowledgeable, and affable. Thanks. read less -
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Carrie G.
well this guy is damn ass good , my score was 300 sucks as hell, but like he said over... read morewell this guy is damn ass good , my score was 300 sucks as hell, but like he said over time it will go up omg it did in 6 months its up to over 755 score. I now have 21 credit cards even American express, discover, and NFL visa cards all have $ 5,000 and up credit limits. the man is good in the best. I know very well. thank you keith read less -
Jason M.
In the world of credit repair not all people are created equal. When looking for help with my Wife... read moreIn the world of credit repair not all people are created equal. When looking for help with my Wife and I's credit I heard many promises(lies) about how they could sprinkle pixie dust and make my bad credit choices for 10 years just disappear. When I spoke to Keith he made no promises except to work hard for me if I hired him. He explained the process and made sure I understood exactly what my role was along with what he would do for me. Nine months later both our scores are about 100 points higher and still climbing but that hasn't stopped Keith from working diligently on our files. We are now pre-qualified to buy a house and it wouldn't have happened without Keith. I would absolutely recommened Keith to my family and friends if they find themselves in need of credit repair. read less -
Tony M.
Excellent credit restoration work -
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Stephanie L.
It has been an amazing experience working with Keith. My credit score was not the best due to student loans... read moreIt has been an amazing experience working with Keith. My credit score was not the best due to student loans falling into default when I moved overseas and as well as not establishing credit (home, credit cards, etc). Since this last August 2015, till today, my credit score have gone up 45 points. The advice he gives works and he really stayed on top of everything. I kept receiving notices from all the creditors explaining changes into my report. I honestly would recommend Keith as I seen him on the AZ News and decided to call. One of the best investments I made for my future! read less -
Ron R.
While mortgage shopping on the Internet, I discovered that there were some issues affecting my credit score. Not totally understanding... read moreWhile mortgage shopping on the Internet, I discovered that there were some issues affecting my credit score. Not totally understanding the reasons why, I called Credit World, and within an hour I was discussing these credit issues with Keith Jenkins. Keith asked me some basic questions, pulled my credit report, and gave me some helpful advice. As it turned out, I didn't really need credit repair, but rather some easy fixes instead. Nonetheless, we talked for about a half hour and he also gave me a referral of a colleague who as more suited for what I needed. Best of all, Keith never charged me a dime for his services either. Now I can take advantage of the low mortgage rates and get an attractive quote on a refinance as well! So if you're considering calling Credit World, don't hesitate! This gentleman really knows his stuff and I highly recommend his services. Thanks again for your valuable help and the referral you recommended Keith Jenkins! read less -
Joseph L.
It was March of 2014, I was recovering from years of cancer and a liver transplant. I was just... read moreIt was March of 2014, I was recovering from years of cancer and a liver transplant. I was just getting started in life again as a health person. Then all hell broke loose, I found out that all the time I was sick and going through my transplant along with my recovery I was a victim of Identity theft. My credit was thrown so deep under the bus I didn't know where to turn. I was financially deep in debt with all my medical bills and couldn't afford a lawyer. I had just lost my life partner and felt super overwhelmed. I saw CREDIT WORLDS FINANCE SERVICES commercial on line and decided to call. That is when I met KEITH JENKINS. Not only did he talk me down from my panic, He listen and offered me several solutions. His pricing was way less then a lawyer and he let me pay in 3 payments. He was able to bring my credit score at that time from 358 to what it is today which is higher then 775. He had judgments and derogatory credit reports removed from all 3 of my reports. Keith showed me how to build a strong and solid great credit score. I highly recommend using CREDIT WORLD FINANCE SERVICES. Six stars from me along with two thumps up! read less -
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Erika O.
Best help I have ever had!!!! Helped me fix my credit! Guided me with steps to properly handle... read moreBest help I have ever had!!!! Helped me fix my credit! Guided me with steps to properly handle credit and maintain it., my credit was not at its best along with hospital bills etc,.. I give my friends Credit World Financial contact info all the time and highly recommend it!!! Until now although I'm set with my credit I can still call anytime and my questions are answered quickly,. I really appreciate your help !!!-Erika Orozco read less -
Kris E.
Calling Credit World was one of the best decisions that I have made this year. Keith provided a step... read moreCalling Credit World was one of the best decisions that I have made this year. Keith provided a step by step plan to follow, and my credit score went up over 100 points in the last 12 months. I would recommend this company to anyone looking to improve their credit score, for any reason. read less -
Jason &.
We started with a credit score in the 400's. With Keith's advise and coaching we are now shopping mortgages... read moreWe started with a credit score in the 400's. With Keith's advise and coaching we are now shopping mortgages and can buy vehicles with low rates. He was able to clean out all the stuff that was incorrect and coach us on how to maintain a healthy credit rating. Thanks for all the hard work and I will recommend anyone to give him a call. read less -
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