PITTSBURGH'S TRUSTED CONSUMER CREDIT ADVOCATE
400s to 850s βKeith Gets Results.
Serving Pittsburgh, PA and all of Pennsylvania since 2004. Keith works directly with credit bureaus, collectors, and furnishers β using the FCRA, FDCPA, and Pennsylvania Credit Services Act to dispute inaccurate, unfair, and unverifiable information on your behalf.
20+
YEARS OF EXPERIENCE
FCRA
EXPERT DISPUTES
FDCPA
COLLECTOR DEFENSE
PA Law
FULLY COMPLIANT
Required Disclosure (CROA Β§ 405): You have the right to dispute inaccurate information in your credit report yourself, at no cost, by contacting Equifax, Experian, and TransUnion directly. Keith the Credit Doctor is a Credit Services Organization registered and bonded in Pennsylvania under 73 P.S. Β§ 2181 et seq. No fees are charged before services are fully performed.
WELCOME
Pittsburgh's Trusted Partner For Fixing Your Credit
Since 2004, Keith the Credit Doctor has helped hundreds of Pittsburgh and Allegheny County residents dispute inaccurate information, push back against unfair debt collectors, and rebuild their credit β using the same federal and Pennsylvania laws that protect every consumer. This isn't a call center or a franchise. It's one advocate, one relationship, and a proven, law-compliant process.
This site is organized into a few key pages so you can find exactly what you need: Keith's background and credentials, the consumer laws that protect you, the step-by-step process, real client results, and answers to common questions. Take a look below, or jump straight to the contact page β to start your free consultation.
EXPLORE THE SITE
Everything You Need, In One Place
Each card below opens a full page with all the details β click through to learn more.
About Keith
20+ years as a Pittsburgh consumer credit advocate. Learn about Keith's background, credentials, and CROA-compliant, one-on-one approach β no call centers, no outsourcing.
Know Your Rights
A full breakdown of the FCRA, FDCPA, and Pennsylvania Credit Services Act β the laws that protect you, and exactly how Keith puts them to work on your behalf.
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How It Works
The 4-step process, from free consultation to results β plus Keith's service guarantee, what it covers, and why you never pay before services are performed.
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Credit Info
What your credit score actually means, how Equifax, Experian, and TransUnion work, and what Pennsylvania law requires of any credit services organization.
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Client Results
Real before-and-after examples of the kinds of score improvements Keith's Pittsburgh-area clients have experienced over the years.
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FAQ
Straight answers about fees, timelines, cancellation rights, licensing, and what credit repair can β and legally cannot β do for you.
A PREVIEW OF CLIENT RESULTS
Real Score Improvements
These are illustrative examples based on the kinds of improvements Keith's clients have experienced.
487 β 712
Pittsburgh, PA Β· Home buyer
Multiple collection accounts removed after debt verification failures under FDCPA.
523 β 768
Allegheny County Β· Auto loan applicant
Duplicate collections and inaccurate late payments successfully disputed and removed.
441 β 691
Western PA Β· Business owner
Outdated negative items past the 7-year FCRA reporting limit removed from all three bureaus.
QUICK ANSWERS
Common Questions
No advance fees β ever. Under CROA and Pennsylvania law, Keith cannot charge you until agreed-upon services are fully performed.
No. Only inaccurate, unverifiable, or unfair information can legally be disputed and removed β that's what the law allows, and all Keith does.
3 business days under federal CROA, 5 business days under Pennsylvania law β with no penalty, stated clearly in your written contract.
Ready to see what's really on your credit report?
Your first consultation is free, with no obligation. Keith will review your reports and explain your options under Pennsylvania and federal law.