Client Resource Page

Kramer Annual Credit Report

Annual Credit Report

Step by step how to on downloading your free annual credit report from

Kramer Consumer Disputes Flyer

Consumer Dispute

How to remove “Consumer Disputes this Item” by calling Experian, TransUnion, and Equifax.

Kramer Entitlement Letter

Entitlement Letter

How to obtain a coverage letter from the Veterans Administration (VA) and Medicaid, Medicare, and Chip programs.

Kramer Student Loan Flyer

Student Loan Flyer

– How to find your federal student loans.
– How to apply for rehabilitation of your student loans.
– How to apply for income based repayment programs (IBR)

LOK Debt SoL

Debt SoL

Chart of how long creditors and debt buyers can file a lawsuit in each state

LOK Late Payment Removal Email

Late Payment Removal