J FUNDED CREDIT SOLUTIONS · CREDIT REPAIR

YOUR CREDIT IS COSTING YOU.
LET'S FIX IT.

A full audit of all three credit reports, the disputes handled for you, and progress you can check any time.
We challenge negative accounts that are inaccurate, outdated or can't be verified with all three bureaus, then show you every round in your client portal.

Jeremiah, founder of J Funded Credit Solutions

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Bad credit shows up everywhere.

  • You got turned down for a car, an apartment or a card, and nobody told you exactly why.

  • You're paying more interest than you should because of your score.

  • There are collections on your report you don't recognize.

  • You disputed online yourself, and everything came back "verified."

  • You want to buy a home one day and don't know where to start.

Everything on your report has to be accurate and verifiable. When it isn't, you have the right to challenge it. That's the work we do.

Doing it alone vs. with J Funded

Doing it alone

  • Trying to make sense of three credit reports on your own.

  • Paying off an old collection and hoping your score jumps.

  • Calling creditors and getting the same answer every time.

  • Applying again, getting denied again, and not knowing why.

With J Funded

  • We go through all three of your reports with you.

  • We challenge what's inaccurate, outdated or can't be verified.

  • We handle the letters and the paperwork for you.

  • You see every update in your client portal, any time.

What we work on

If it's negative and it's reporting, we review it.

01

COLLECTIONS

Including old debts sold to a collection agency.

02

CHARGE-OFFS

Accounts the original creditor wrote off.

03

LATE PAYMENTS

30, 60 and 90-day lates on open or closed accounts.

04

REPOSSESSIONS

Vehicle repos and the balances reported after them.

05

HARD INQUIRIES

Inquiries you don't recognize or didn't authorize.

06

MEDICAL COLLECTIONS

Medical debt reported by a collector.

07

PERSONAL INFO

Wrong names, old addresses and mixed files.

08

STUDENT LOANS

Lates, defaults and loans moved between servicers.

HOW IT WORKS

Four simple steps

1

Onboarding

Sign up online, or book a free call first if you want to talk it through.

2

Audit

We pull all three of your credit reports and go through every negative item.

3

Dispute plan

We map out what to challenge and walk you through it.

4

Dispute process

We send the disputes, and you follow every update in your client portal.

WHAT CLIENTS SAY

Reviews from real clients

Individual results vary. Reviews are from real Google reviews.

★★★★★

"They took the time to break everything down so I could understand the process… negative items were removed, and my credit score began to rise… They didn't overpromise, but they absolutely delivered."

McKenzie W. · Google review

★★★★★

"I came to J Funded Credit Solutions because I needed to improve my credit before buying a car. They made the whole process easy, kept me updated, and got real results."

Anthony L. · Google review

★★★★★

"Wanted to get approved for a auto loan… they were able to remove 5 collections off of my credit report. After all was said and done, I got approved at 6.5% apr for my new vehicle!"

Thomas F. · Google review

PRICING

Pick your plan and get started

The onboarding fee is charged after the 3rd business day. Credit monitoring is separate: $1 to start, then $19.99 a month through the provider.

★ MOST POPULAR

STANDARD

$100

onboarding fee, then $100 a month

  • Initial Credit Analysis

  • Unlimited disputes to the 3 Credit Bureaus

  • 24/7 Client Portal access

  • Monthly credit audits

  • Dedicated support team

Month to month. Cancel anytime.

FOR TWO PEOPLE

COUPLES

$180

onboarding fee, then $180 a month

  • Initial Credit Analysis for both

  • Unlimited disputes to the 3 Credit Bureaus

  • 24/7 Client Portal access for both

  • Monthly credit audits for both

  • Dedicated support team for both

Month to month. Cancel anytime.

SIX MONTHS

ONE-TIME

$550

one-time fee, no monthly fee

  • 6 Month access and Credit Analysis

  • Unlimited disputes to the 3 Credit Bureaus

  • 24/7 Client Portal access

  • Monthly credit audits

  • Dedicated support team

Six months of service. No monthly fee.

QUESTIONS

How does credit repair work?

We review your credit reports, identify inaccurate, outdated, or unverifiable items, and dispute those items with the bureaus and creditors on your behalf. Removing incorrect negative information can improve your score over time.

How long does the process take?

Times vary by case. Many disputes begin seeing results within 45–90 days, but many cases can take 6 months or longer. We provide an estimated timeline after an initial account review.

Do you guarantee a specific score increase?

No reputable company can legally guarantee a specific score increase. We guarantee that we will perform thorough, professional dispute work and provide transparent tracking of progress.

Do I need to close any accounts or stop using my credit?

In most cases you should not close old accounts, as they can contribute positively to your credit history. We will advise on specific actions tailored to your situation.

How do I get started?

Begin with a free account review. Provide recent copies of your credit reports (or authorize us to pull them), and we’ll schedule a consultation to outline a custom plan.

Why do results vary?

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 80% of the negative items from a credit report.

What makes us different from other credit repair companies?

What sets us apart is our commitment to doing credit repair the right way—100% legally, ethically, and in full compliance with all regulations. We combine that with fast, personalized strategies designed to deliver real, lasting results—not shortcuts that put your credit at risk.

What negative items can be removed from my credit report?

Collections, hard inquiries, charge offs, credit errors, repos, and more!

How does the process work?

Our repair process includes: 1. Full credit audit, 2. Personalized dispute plan, 3. Targeted, legal dispute execution, 4. Real-time client portal updates, 5. Results!

BOOK A FREE CALL

Pick a time for your free call

READY TO GET STARTED?

READY TO SEE WHAT'S

ON YOUR REPORT?

Start online now, or book a free call and we'll go through all three reports with you first.