The Credit Juggernaut

Credit repair · Business credit · LLCs in all 50 states

Your credit is costing you money every month.

A low score means higher interest, bigger deposits, and more "no" answers. We help you challenge inaccurate items, rebuild the right way, and set up a business that can build credit of its own.

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  • Freeconsultation
  • 3credit bureaus reviewed
  • 50states for LLC formation

The cost of waiting

What a lower score really costs you

Pick a loan and a score range. The difference is money that goes to the lender instead of staying in your pocket.

What are you financing?
Your score today

Extra you could pay vs. a 720+ score

$0

Every month$0
Your rate0%
720+ rate0%
Stop overpaying. Book a call

Find my plan

Which plan is right for you?

Answer a few quick questions and we'll point you to the package that fits your goal.

What is credit repair?

One wrong item can hold you back for years

Credit reports are full of mistakes. A late payment you never made, an account that isn't yours, a balance that was paid off but still shows. Each one can pull your score down and follow you for up to seven years.

Federal law, the Fair Credit Reporting Act, gives you the right to challenge information that is inaccurate, incomplete or can't be verified. We help you find those items, build the disputes, track every response, and keep pushing until each one is answered.

At the same time, we show you how to add positive history so your score keeps climbing after the cleanup.

Buy a homeGet approved for a carRent an apartmentLower your interest ratesPass a background checkFund your business

Who we help

If you see yourself here, it's time

  • First-time home buyersGet mortgage-ready before you apply, not after a denial.
  • Rebuilding after hardshipJob loss, divorce or medical bills. We help you recover step by step.
  • Collections & charge-offsChallenge what's wrong and learn your rights with collectors.
  • Thin or no creditBuild a strong file from scratch the right way.
  • New entrepreneursForm your LLC in any state and set it up to build credit.
  • Growing businessesSeparate business credit from personal and prepare for funding.
  • Car buyersStop accepting 18% interest on your next vehicle.
  • RentersGet approved without double deposits or a co-signer.
  • Veterans & familiesClean up your file and use the benefits you've earned.

What we do

Everything you need under one roof

From $99 / month

Personal credit

Full report review, disputes on inaccurate items, coaching and a credit-building plan.

See plans → $499 one time

LLC formation

LLC filing help in all 50 states, an operating agreement and a compliance checklist.

See package → $799 one time

Business credit

Build a business credit profile with D-U-N-S® guidance, 3 Net 30 vendor accounts and application support.

See plans → $299 one time

Funding readiness

A full review of your credit and business profile, a written roadmap and a 45-minute strategy call.

See details →

How it works

From first call to first results

Credit bureaus generally have 30 days to investigate each dispute, so the sooner we start, the sooner you hear back.

  1. Free callDay 1Pick a time on the calendar. We talk through your goals and your situation.
  2. Full reviewWeek 1We go through all three reports with you and flag every item worth challenging.
  3. Disputes sentWeeks 1–2We prepare and send disputes for inaccurate items, and give you your building plan.
  4. Responses & next roundDays 30–45Bureaus respond. We review results with you and plan the next round.

For business owners · All 50 states

Starting a business? Set it up right the first time.

A business that's set up wrong can't build credit, and it's harder to fix later. We help you form your LLC in any state and put the pieces in place that lenders and vendors look for.

See the Business BundleTalk to us first
  • LLC filed in your state
  • Operating agreement
  • Business bank account checklist
  • Professional business address
  • D-U-N-S® number guidance
  • 3 Net 30 vendor accounts
  • Funding readiness plan

Why The Credit Juggernaut

Straight answers. Legal process. Real plan.

We follow the law

Our process follows the Fair Credit Reporting Act and the Credit Repair Organizations Act. You get a written contract and a 3-day right to cancel.

No fake guarantees

Anyone promising a specific score is breaking the rules. We tell you what's realistic and then work to get you there.

Personal and business

Most companies only do one. We help you fix your personal credit and build the business behind it.

Free download

Get the free credit starter guide

The first steps to take, the mistakes to avoid, and how to read your credit report. Enter your email and we'll send it right over.

We'll also send occasional credit tips. Unsubscribe anytime.

Questions

Frequently asked

How long does credit repair take?

Every file is different. Bureaus generally have 30 days to respond to each dispute, and most clients work through several rounds over a few months. We'll give you a realistic timeline on your free call.

Can you remove accurate negative items?

No one can legally remove information that is accurate and verified. We focus on items that are inaccurate, incomplete or can't be verified, and on building positive history.

Which states do you form LLCs in?

All 50. We help with LLC formation in all 50 states. State filing fees vary and are paid directly to your state.

Will checking my credit hurt my score?

No. Checking your own report is a soft inquiry and never affects your score.

What does the free consultation include?

A conversation about your goals, a look at where you stand, and a recommendation for which service fits. There's no obligation to sign up.

When do I pay?

A data entry processing fee is due when you sign up. Monthly personal credit plans are billed after each month's work is completed. Business packages are one time fees, explained in writing before you start.

Your next application is coming

Be ready before you apply, not after a denial.

Consultations are booked first come, first served. Grab your spot and get a clear plan this week.

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Meet the founder

The story behind The Credit Juggernaut

Ready to start?

Book your free discovery call

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Packages & pricing

Services

Every package starts with a free consultation so we can confirm it fits your situation before you pay anything.

Personal credit

Monthly service. Billed after each month's work is completed.

Essential Credit$99/month
  • Initial credit report review
  • Dispute assistance for inaccurate items
  • One 30-minute coaching session each month
  • Personalized action plan
  • Credit utilization education
  • Monthly progress summary
  • Email support included

Not included (paid by you): your credit monitoring subscription and any other third-party fees.

Best for: people starting their credit journey who want guidance and accountability.

Credit Rebuild$179/month
  • Everything in Essential Credit
  • Two 30-minute coaching sessions each month
  • Comprehensive case review
  • Budgeting and credit rebuilding roadmap
  • Email support included

Not included (paid by you): your credit monitoring subscription and any other third-party fees.

Best for: more complex situations and long-term goals.

Business formation

We form LLCs in all 50 states.

Business Formation Package$499one time
  • LLC filing assistance in all 50 states, with submission tracking
  • Operating agreement template, customized for your business
  • Startup, compliance and business banking checklists
  • Business address options guidance
  • One 30-minute onboarding consultation
  • Email support included

Not included (paid by you): your state's LLC filing fee (varies by state), registered agent service if needed, virtual mailbox, DBA / fictitious name registration, local business license or permit, and outside accounting or legal services.

Business credit

Foundation$799one time
  • Business credit consultation
  • Business credit profile setup
  • Vendor strategy (3 Net 30 accounts)
  • D-U-N-S® number
  • Nav business credit monitoring (optional)
  • Application support
  • Step-by-step guidance and 30-day follow-up review
  • Email support included

Not included (paid by you): vendor minimum deposits or purchases, Net 30 account fees, Nav subscription if you choose it, bank requirements, licenses or permits, and outside professional services. Vendor approval is never guaranteed.

Funding readiness

Funding Readiness Assessment$299one time
  • Personal and/or business credit profile analysis
  • Business structure review
  • Funding readiness checklist and tailored action plan
  • Vendor strategy and funding options overview
  • 45-minute strategy call and a summary report
  • Email support included

Not included (paid by you): lender application, origination or closing fees, any third-party report fees, and outside professional services. Funding approval is never guaranteed.

Business Bundle

Everything you need to start a business, build its credit and get ready for funding, in one package.

Business Bundle$1,397one time

$1,597 if bought separately. You save $200.

  • LLC Formation Package
  • Business Credit Foundation
  • Funding Readiness Assessment
  • LLC filing in all 50 states, with submission tracking
  • Operating agreement and startup checklists
  • Vendor strategy (3 Net 30 accounts)
  • D-U-N-S® number
  • Nav business credit monitoring (optional)
  • 45-minute strategy call and summary report
  • Email support included

Not included (paid by you): your state's LLC filing fee, registered agent and virtual mailbox if needed, DBA, licenses or permits, vendor deposits or purchases, Net 30 account fees, Nav subscription if you choose it, lender fees, and outside accounting or legal services. Vendor and funding approval are never guaranteed.

Flyers

Package flyers

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Free guides

Credit Library

Plain-English guides to how credit works and how to build it. Educational only, not legal advice.

Free download

Get the free credit starter guide

Enter your email and we'll send it right over.

Credit basics

What goes into your credit score

Most lenders use a FICO® score, which runs from 300 to 850. It's built from five groups of information on your credit report. Your income, job, and savings are not part of it.

FactorWhat it meansWeight
Payment historyDo you pay on time?35%
Amounts owedHow much of your limits you use30%
Length of historyAge of your oldest and average accounts15%
New creditRecent applications and new accounts10%
Credit mixCards, loans, mortgages together10%

Quick wins

  • Set up autopay for at least the minimum so you never miss a due date.
  • Keep card balances low compared to the limit. Under 30% is a common target, and lower is better.
  • Think twice before closing your oldest card; it carries your history.

Source: myFICO, "What's in my FICO Scores."

Credit basics

How long negative items stay on your report
ItemNotesStays up to
Late paymentsFrom the date of the late payment7 years
Collections & charge-offsFrom the original delinquency date7 years
Chapter 13 bankruptcyBureaus usually remove at 7 years7 years
Chapter 7 bankruptcyFrom the filing date10 years
Hard inquiriesScore effect usually fades sooner2 years

Paying off an old collection doesn't restart the 7-year clock. The date that counts is when you first fell behind.

Source: FCRA §605 (15 U.S.C. §1681c) and the major credit bureaus.

FDCPA

What debt collectors can and can't do

The Fair Debt Collection Practices Act (FDCPA) sets rules for third-party debt collectors.

  • They must send a validation notice listing the debt, the amount and the creditor.
  • You have 30 days from that notice to dispute the debt in writing. They must pause collection until they verify it.
  • They can't call before 8 a.m. or after 9 p.m. your time, unless you agree.
  • They can't threaten you, lie about what you owe, or discuss your debt with your family or boss.
  • You can ask them in writing to stop contacting you.

Source: CFPB, Regulation F (12 CFR Part 1006).

Business credit

Personal credit vs. business credit

Your business can build its own credit file, tied to its EIN instead of your Social Security number. That keeps business debt off your personal reports when the account reports only to business bureaus.

  • Three business bureaus: Dun & Bradstreet, Experian Business and Equifax Business.
  • D&B PAYDEX runs from 1 to 100. A score of 80 means you pay on time; higher means you pay early.
  • Start with the basics: a registered LLC, an EIN, a business bank account, a business phone and address, and a D-U-N-S number.
  • Vendor accounts that report payments are a common first step. Not every vendor reports, so check before you apply.

Many lenders still check the owner's personal credit for newer businesses, so both files matter.

Source: Dun & Bradstreet; U.S. Small Business Administration.

Have questions about your report?

Talk it through with us

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Resources

Credit Tools

Credit monitoring, free tools, ebooks and the products we recommend, all in one place.

Credit monitoring

Watch all three reports and get alerts when something changes. We use your monitoring report during your review.

Free tools

Official sites and our own tools. All free to use.

Ebooks

Step-by-step guides you can read on your phone or print at home.

Recommended items

Products that help you build credit and stay organized.

Stay connected

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Credit tips, client wins and business funding updates.

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Private Discord community

When you join The Credit Juggernaut, you get access to our members-only Discord for updates, tips and support.

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