Everything Jess does for your credit.
She doesn't use templates. She reads your actual report, finds what's wrong, picks the right legal strategy, and writes letters that require a real response.
She reads every line of your report.
Most credit repair companies skip the part where someone actually reads your file. Jess doesn't. She goes through all three major bureaus — Equifax, Experian, and TransUnion — plus specialty reporting agencies that most people don't even know exist.
She checks every account against Metro 2 data standards — the exact format bureaus are legally required to follow. A wrong date-of-first-delinquency, a mismatched balance, a field that contradicts another field — those are errors, and errors are disputable.
She also flags FCRA violations, expired statute items, and data furnisher reporting inconsistencies. By the time she's done with your initial review, she knows your file better than you do.
Every letter is written from scratch.
Bureaus have seen every template letter in existence. They have a box they check that says "form letter" — and then they verify nothing. Jess doesn't give them that option.
Each letter she writes names the exact account number, the specific Metro 2 field violation, and the applicable federal law — FCRA §611, FCRA §623, FDCPA §809, whatever fits the situation. Bureau investigators are required to actually respond to that kind of specificity.
She also writes goodwill letters and debt validation requests when the situation calls for it — different tools for different items, not a one-size approach.
She doesn't stop when bureaus push back.
A lot of credit repair ends when a bureau comes back with "verified." Jess treats that as the beginning of round two. She knows that "verified" often means a data furnisher just auto-matched without actually investigating — and that's a violation in itself.
When a bureau stalls or rubber-stamps a response, she escalates: CFPB complaints, method of verification demands, direct furnisher disputes under §623, or a switch to a completely different legal angle that the bureau wasn't expecting.
Clients who hit stubborn items in round one frequently see removals in rounds three and four — because Jess keeps adapting the strategy until something works.
The full toolkit.
Beyond the core dispute work, Jess brings a complete set of credit tools to every case.
Score Tracking
Watch your score move across all three bureaus in your portal. See which dispute caused which improvement — not just numbers, but the actual story.
Client Portal
Log in anytime to read your letters, track your disputes, check your score history, and message Jess directly. Everything in one place, 24/7.
Credit Builder Tools
Score simulator, secured card picks based on your profile, rent reporting options, and utilization guidance tailored to your situation.
Creditor Interventions
Sometimes the right move isn't a bureau dispute — it's going straight to the creditor. Goodwill letters, negotiations, and pay-for-delete requests.
Score Simulator
Model what removing specific items would do to your score before the work is done. Plan your mortgage, auto loan, or refinance timeline with confidence.
Direct Furnisher Disputes
When bureau disputes stall, Jess goes to the source — the creditor or collector reporting the item — using FCRA §623 obligations as leverage.
Not sure where to start?
Start with the free analysis. Jess reads your full report, maps every disputable item, and tells you exactly what she's seeing — no credit card, no commitment.
Free analysis · No credit card · No upfront fees
CreditForge is a credit repair organization under CROA. You may cancel within 3 business days. Results are not guaranteed. See our full disclosure.