— Meet Jess
Your credit, handled.
This is Jess. She goes through your credit report line by line — all 3 major bureaus — Equifax, Experian, and TransUnion — plus specialty reporting agencies — spots every error, and writes dispute letters that bureaus can't just brush off. Real letters, real law, real results.
Who is Jess?
I'm your credit repair specialist.
Most people have no idea what's actually dragging their score down. I do. I go through your report the way a consumer attorney would — checking Metro 2 compliance, statute dates, data furnisher violations, the works. When something's wrong, I write a dispute letter built around that exact account, that exact violation. Not a copy-paste template.
How it works
Three steps. You mostly just sit back and watch the dashboard.
Every letter is unique.
Bureau investigators see hundreds of template letters a day — they're easy to reject. My letters cite the exact account, the specific Metro 2 field violation, and the applicable statute. A lot harder to dismiss.
EVERY LETTER, WRITTEN BY JESS
What Jess brings to the fight
Built for results, not shortcuts
I don't just send letters — I build a case. Every dispute is grounded in actual federal law: FCRA, FDCPA, and Metro 2 compliance. The bureaus know the difference.
Dispute Strategies
Section 611 bureau disputes, CFPB complaints, debt validation, goodwill letters, Metro 2 challenges — I pick the right one for each item
Major Bureaus
Equifax, Experian, TransUnion — plus specialty agencies like Innovis, SageStream, and LexisNexis that most companies skip
Template Reuse
Every letter I write is unique to your account, your violation, your creditor. Bureau investigators can't file it away as a form letter
1 in 5 Americans has an error on their credit report — FTC Study
Simple, transparent pricing.
Pick what fits your situation. No long-term contracts. Cancel whenever you want.
Every plan includes
Personal info cleanup Address & alias corrections Unauthorized inquiry removal All major bureaus every roundEvery plan starts with a free credit analysis. No card required.
Essential
- Up to 8 negative items per dispute round
- AI-generated dispute letters
- Live dashboard to track every dispute
Accelerated
- Everything in Essential
- Up to 15 negative items per dispute round
- Debt validation and goodwill letters
- Monthly score progress reports
Premium
- Everything in Accelerated
- Unlimited negative items per round
- Dedicated credit strategist in your corner
- Direct creditor negotiations
- Cease & desist letters when needed
Questions & answers
I go through your full report across all 3 major bureaus — Equifax, Experian, and TransUnion — plus specialty reporting agencies — looking for errors, outdated accounts, Metro 2 violations, and anything else that shouldn't be there. For each problem I find, I write a dispute letter citing the exact FCRA section, the specific violation, and the applicable statute of limitations. No two letters are the same — the bureaus can tell the difference, and it matters.
Yes. CreditForge is a registered credit repair organization and we operate under the Credit Repair Organizations Act (CROA). That means you get a full disclosure of your rights before signing anything, and we don't collect a dime until work is done. No upfront fees — it's actually the law.
The bureaus legally have 30 days to respond to a dispute. Most of my clients start seeing score movement within 30-60 days of their first round. Bigger improvements — the kind that open up mortgage and auto loan options — usually happen over 3-6 months. It depends on how many negative items you're dealing with and how old they are.
No — and you should run from anyone who does. Under CROA, it's actually illegal to guarantee a specific score outcome. What I can promise is that I'll work every angle available under federal law and use the most effective strategy for each item on your report. Results are real, but they vary by situation.
Yes. Cancel straight from your dashboard, or just email us. No contracts, no fees, no hassle. And under CROA, you automatically have the right to cancel within 3 business days of signing up — even if you never ask.
Trusted By
Your data is encrypted with 256-bit AES at rest, and every transmission is over TLS 1.3. I don't sell your information — period. Your credit report and personal details are only ever used to run your disputes. That's it.
Let Jess handle your credit.
Drop your email and I'll start your free credit analysis. Takes me under a minute. No card, no commitment.
No credit card required. Cancel anytime. CROA compliant.
What Clients Experience
Every credit profile is different. Here's what my AI dispute process typically looks like in practice.
I analyze your full report, identify every disputable item, and fire off the first round of legally-grounded dispute letters. Most clients see initial bureau responses within 30 days.
Items start getting removed or corrected. Unverifiable accounts and Metro 2 violations are usually the first to go. Your dashboard shows every change in real time.
The compounding effect kicks in. Each removed item raises your score, and I escalate remaining disputes with CFPB complaints and debt validation demands when needed.