When you sign up for our highly effective consumer Credit Improvement Program, you also get a personalized credit mentor and ongoing credit management education for no extra charge. KCS Credit Improvement Program Consultation includes, the analysis of client's credit and debt situation and recommended plan of action based on the client's goals. Additional actions are undertaken to help you safeguard your identity as well as remove the annoyance of unwanted phone and mail solicitation. Only then do we process your payment. We encourage couples to work on their finances and credit improvement together. We offer a couples discount. Our service is month to month and you can cancel at any time .