Welcome to VAK Wealth LLC
VAK Wealth was established in March of 2022 by CEO Kearra Tapley. She alone has helped over 50 people take control of their credit and is expanding to help others join the team and do the same.
We don't just remove negative items; we empower you with tools and strategies to pay down debt while understanding the importance of maintaining a healthy credit report.
When you are a client of VAK Wealth, we communicate to the credit bureaus and companies on your behalf to address inaccurate or outdated items on your credit report. We first remove the erroneous information and then recommend different products such as secured credit cards and other credit building tools for your financial goals. You'll receive support, progress tracking, and updates on your credit journey.
Consistency is the major game changer. Within 6 to 12 months, you can expect to see drastic changes to your credit score that improves your score 50-120 points depending on your credit situation. When you leave VAK Wealth, you'll leave with confidence and understanding of how to maintain good credit.
How We Help You.
VAK Wealth helps dispute inaccurate information on your credit report that is affecting your credit score by communicating with the three credit bureaus. This is what we provide for you:
- One-on-one credit coaching
- Monthly Support Client Portal with 24/7 access.
- Credit Building assistance
- Disputes sent to all three credit bureaus
What Affects your Credit Score
Your credit score is affected by the top 5 categories below:
Credit scores ranges from 300 to 850.
Payment History (35% or 192.5 points):
Paying your bills on time consistently can boost your credit score while late payments, collections, and bankruptcies lower them.
Debt Utilization (30% or 165 points):
This shows how much credit on revolving credit cards is left available for you to use. High balances can negatively impact your credit score.
Inquiries (10% or 55 points):
Applying for too many credit accounts can show desperation, and lenders see this as a risk. This can cause a short-term dip in your score.
Time in File (15% or 82.5 pints):
Lenders look at how long you've had credit, showing the age on your account, as well as oldest to newest.
Credit Mix (10% or 55 points):
Your credit mix shows both revolving credit (credit cards) and installment loans (auto loans or mortgages) can show how you handle different kinds of debt responsibly.
Black Friday Credit Boost Package — Limited Time Only!
This Black Friday, invest in your financial future with our exclusive 3-month credit restoration package!
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Black Friday Sale
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Black Friday VIP-6Month Credit Makeover
$449.99
Price: $449.99 (normally $619.93)
Includes:
✅ Full credit analysis + consultation
✅ 6 months of personalized dispute service
✅ Priority processing (letters sent first each cycle)
✅ Exclusive credit-building tools & resources
✅ Access to bonus eBook: “The Credit Comeback Guide” (you can make or include one later)
3-Month Black Friday Credit Boost Package
$249.99
This Black Friday, invest in your financial future with our exclusive 3-month credit restoration package!
For a limited time, get 3 months of full credit repair service for just $249.99 (normally $389.97).
Includes:
✅ Full credit analysis and consultation
✅ Personalized dispute strategy for all three bureaus
✅ 3 months of active credit repair service
✅ Progress tracking and monthly updates
✅ Credit education tools to maintain your results
Credit Monitoring Service
$1/7 days then $24.99/mo
**You must sign up with our Credit Monitoring Services before your consultation**
*This service is not included in your Credit Repair service*
FREE to cancel anytime.
Frequently Asked Questions
Please reach us at info@vakwealth.com if you cannot find an answer to your question.
Every credit situation is unique, but most clients begin to see results within the first 30–45 days after disputes are submitted. On average, full credit restoration takes 3–6 months depending on the number of negative items and creditor response times.
During your initial consultation, we’ll review your credit reports in detail, identify inaccurate or unverifiable items, and create a personalized action plan. You’ll leave the session with a clear understanding of next steps and how our process works.
We use federal laws such as the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Fair Credit Billing Act (FCBA) to dispute inaccurate, outdated, or unverifiable information with credit bureaus and creditors.
Our goal is to help you restore, rebuild, and protect your credit for the long term.
No company can legally guarantee removals or score increases and you should avoid any that do. We guarantee that we will use every lawful tool available to help improve your credit profile through accuracy, education, and advocacy.
Under federal credit laws (specifically the Credit Repair Organizations Act – CROA), we cannot charge fees before services are performed. That’s why we begin with a one-time consultation fee, and ongoing service fees are only billed after work has been completed each month.
We combine real financial education with credit restoration. Our clients not only see improvements in their credit profiles but also learn how to maintain long-term financial stability and build business or personal credit for the future.
Contact Us
We know that untangling your credit can be both stressful and confusing. Send us a message today, and we can get you started on a path to financial confidence.
Hours
Mon | By Appointment | |
Tue | By Appointment | |
Wed | By Appointment | |
Thu | By Appointment | |
Fri | By Appointment | |
Sat | 09:00 am – 01:00 pm | |
Sun | Closed |
VAK Wealth LLC
1654 Mardon Drive #1094, Dayton, OH 45432
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