We didn't build another credit repair company.
Most credit repair is slow, opaque, and based on recycled template letters bureaus have been rejecting for years. We built something different.
Bureaus count on you giving up.
The FTC found that 1 in 5 consumers have errors on their credit reports significant enough to affect their scores. These aren't edge cases — they're wrong account statuses, outdated collection entries, Metro 2 field violations, and furnisher data that should have been corrected years ago.
The traditional credit repair industry's answer? A pile of generic dispute letters. Bureaus see those templates thousands of times per week. They know exactly what to do with them: send a form rejection and wait for you to go away.
Most people do go away. Not because their disputes weren't valid — but because nobody built the actual argument. We built Jess to change that.
What if your dispute letters were written by someone who actually reads the report?
Jess isn't a template system with a chatbot face on it. She reads your full credit report at the data level — checking Metro 2 compliance fields, FCRA statute of limitations dates, furnisher obligations under the FDCPA — and builds each dispute letter around what she actually found.
Every letter cites the specific federal statute. Every dispute identifies the exact field violation. Bureaus are legally required to investigate a substantive, well-documented dispute. Jess makes sure yours qualifies.
Your portal shows every letter she sends, every bureau response, and every status update as it happens — not in a monthly digest. You see what she found, what she argued, and what came back.
One hire. Zero templates.
The same quality of work that used to require hiring a consumer attorney — without the $400/hour bill.
Works at the field level
Jess checks Metro 2 data fields, FCRA compliance, and statute dates — not just "negative accounts." She looks at the actual data structure and flags what's legally wrong with it.
Every letter is built from scratch
No two Jess letters are identical. Each one is written for your specific account, your specific violation, and the applicable federal law. Bureaus can't dismiss what they can't pattern-match.
Pay after work is done
CROA compliance isn't a marketing line — it's the law. We don't collect payment before work starts. Month-to-month, no contracts, cancel any time. Real services, real pricing.
Legal from day one
Proper service agreements, a real 3-day cancellation right, and full transparency on what we do and what we can't promise. We follow the law because that's what a legitimate service does.
Every letter Jess sends is built from scratch — your specific account, your specific violation, the applicable federal law.
No templates. No upfront charges. Everything fully compliant with CROA — because that's not optional, it's the law.
Working with Jess is nothing like working with a credit repair company.
Full transparency, always. Your portal shows what Jess disputed, which law she cited, and how the bureau responded — updated as it happens. You don't get a monthly summary. You see it live.
Legally grounded work. Her letters are built around FCRA, FDCPA, and Metro 2 compliance — not a template. Each one is written for your account, your creditor, your violation. They require a real response.
Ongoing until it's done. If a bureau comes back with a weak verification, Jess escalates — CFPB complaint, furnisher dispute, a different legal angle. She keeps going until she's exhausted every legitimate option on every item.
Read more about how Jess worksReady to see what's on your report?
The free analysis takes under a minute. Jess tells you what she finds and what it means — no card, no pitch, no commitment.
No upfront fees · Cancel any time · CROA compliant
CreditForge is a credit repair organization as defined by CROA. Results may vary. No specific score outcome is guaranteed. Full disclosure.