Now Accepting New Clients

Stop Letting Bad Credit
Control Your Life

I go through your full credit report across all major credit bureaus and flag every error, expired account, and FCRA violation I find. Then I show you exactly what can be disputed and what your options are. Your file, your situation — not a template answer.

Get Your Free Analysis (213) 695-7555
3+
Major Bureaus
14
Dispute Strategies
$0
To Get Started
Jess working on credit repair cases

Your Credit Problems Have Real Solutions

Every negative item is costing you money — higher rates, more denials, fewer options. I can't promise miracles, but I can tell you what's legally challengeable and what happens when it comes off.

The Problem

  • Collections Destroying Your Score
    Old medical bills, utilities, and debts dragging you down 100+ points
  • Late Payments Haunting You
    A single 30-day late payment can drop your score by 80-110 points
  • Denied for Loans & Credit Cards
    Lenders see risk, not your potential — you keep getting rejected
  • Paying Sky-High Interest Rates
    Bad credit costs the average American $250,000+ over a lifetime

What Jess Does

  • Strategic Collection Removal
    I challenge collections using FCRA violations, FDCPA protections, and statute dates — not just "I don't recognize this account"
  • Late Payment Dispute & Goodwill
    Dispute letters where there's an error, goodwill requests where there isn't — I use the right tool for each account
  • Approval-Ready Credit Profile
    Remove the bad stuff, build the good stuff. I work both sides so your file looks like someone lenders actually want to approve
  • Save Thousands in Interest
    A 100-point improvement can mean 2–3% lower rates. On a $300k mortgage, that's $50,000+ over the life of the loan

How Jess Works

I handle the heavy lifting. Your job is to upload the report and check the portal occasionally.

1

Free Credit Analysis

Submit your info below and I'll dig into all three credit reports to find every item that can potentially be disputed. Takes me under a minute.

2

Custom Dispute Strategy

Based on what I find, I pick the right strategy for each item — bureau dispute, CFPB complaint, goodwill letter, furnisher challenge. Not one-size-fits-all.

3

Watch Your Score Rise

Your portal updates as bureaus respond. Watch each dispute go from pending to resolved — or escalated if they push back.

Your Free Credit Analysis Includes:

No card, no commitment. I'll tell you what I find and what's realistic — then you decide if you want to move forward.

  • ✓
    Full review of all 3 credit bureau reports
  • ✓
    Identification of every disputable negative item
  • ✓
    Personalized score improvement roadmap
  • ✓
    Estimated timeline for your credit goals
256-bit Encrypted
No Credit Pull
CROA Compliant

What to Expect After Submitting

  1. 1You'll receive a confirmation email within minutes
  2. 2Jess contacts you within 24 hours
  3. 3Jess walks through your credit report with you on a quick call
  4. 4You decide if working with Jess is right for you — no pressure

By submitting, you agree to our Terms of Service and Privacy Policy. We'll never share your information.

What Happens After You Sign Up

1

Jess Reviews Your Report

Within 24–48 hours I go through your Equifax, Experian, and TransUnion reports and flag everything — errors, outdated items, Metro 2 violations, anything that can be challenged.

2

Custom Letters Go Out

I write a unique letter for each issue — the exact law, the specific violation, nothing generic. Each one goes to the right bureau or creditor depending on who has the obligation to fix it.

3

You Track Progress Live

Your portal updates as responses come in. When a bureau stalls or pushes back, I escalate. You'll always know exactly where things stand.

Your Rights. Our Commitment.

These aren't just talking points — they're legal requirements that protect you from day one.

CROA Compliant

Transparent contracts, honest timelines, cancel anytime

FCRA Expertise

Your FCRA rights exist whether you use us or not — I just know exactly how to apply them to get items removed

No Long-Term Contracts

Cancel anytime with no fees, per your CROA rights

Bank-Level Security

256-bit SSL encryption, secure servers

Frequently Asked Questions

Everything you need to know about our credit repair process.

Most of my clients see the first changes within 30-45 days — that's when bureaus respond to the first round. Bigger score jumps usually happen between 90-120 days. Every file is different, and I'll give you a realistic timeline when I review yours.
Yes, and it's your right under federal law. The FCRA gives every consumer the right to dispute inaccurate, unverifiable, or outdated items on their report. CROA governs companies like CreditForge to make sure we operate legally and transparently. Disputing your own credit report — or having someone do it on your behalf — is completely protected.
No hard pull. I review reports through soft inquiries or reports you provide directly — zero impact on your score either way. If you need help getting your free reports, AnnualCreditReport.com is the place — I'll walk you through it.
Sometimes. Even accurate negative items can be removed if the bureau or furnisher can't verify them within 30 days, or if there are procedural violations in how they're reported. I also use goodwill letters and pay-for-delete negotiations on accounts where those make sense. I won't overpromise, but there's often more to work with than people think.
Yes. No contracts, no cancellation fees. Cancel from your portal or email us — it's done. Under CROA, you also have an automatic 3-day cancellation window from when you sign up. No forms required.
I go through your Equifax, Experian, and TransUnion reports and tell you every item that could potentially be disputed, what the likely score impact would be if removed, and what strategy makes sense for each one. I also give you a realistic timeline. No cost, no credit pull, no obligation to sign up.
View all FAQ questions

Ready to see what I find?

Fill out the form above and I'll get back to you within 24 hours. No credit card, no pitch, no pressure.

Start My Free Analysis

Or call us: (213) 695-7555