Credit repair for New Yorkers
Inaccurate items are holding your credit back. We challenge them, line by line.
JROJAS LLC disputes collections, late payments, charge-offs, hard inquiries, repossessions, bankruptcy and student-loan errors on all three of your credit reports, then helps you rebuild with a plan you can follow.
- No upfront fees
- Cancel within 3 days, in writing
- English and Spanish
- Medical collection, $412Sample Recovery LLC, no validation receivedRemoved
- Hard inquiry, auto lenderNot authorized by the consumerRemoved
- 30-day late payment, Jan 2024Goodwill request sent to creditorIn dispute
- Three outdated addressesPersonal information clean-upCorrected
Sample data for illustration only. Results vary and no outcome is guaranteed.
All three bureaus. Every dispute goes to Equifax, Experian and TransUnion, and to the creditor or collector behind the item.
30 days. That is how long a bureau generally has to investigate a disputed item under the Fair Credit Reporting Act.
$0 up front. Federal law forbids advance fees for credit repair. You are billed only after each month's work is done.
English or Spanish. Consultations, contracts and every update, in the language you choose.
What we handle
Every entry on your report must be accurate, complete and verifiable. If it isn't, the Fair Credit Reporting Act gives you the right to challenge it. We do that systematically, with all three bureaus and the original creditor.
- Dispute: we challenge accuracy and demand verification
- Negotiate: we work directly with creditors and collectors
- Protect: we lock down your identity and block fraud
- Rebuild: we plan the next 12 months of your credit
Personal information removal Dispute
Old addresses, misspelled names, wrong employers and unknown phone numbers can link someone else's accounts to your file. We remove outdated and inaccurate identifiers so only correct data remains.
Hard inquiries Dispute
Inquiries you never authorized or don't recognize are challenged with the bureau and with the company that pulled your report. Inquiries that can't be verified come off.
Collections Negotiate
We demand debt validation, check dates, balances and ownership for errors, and, when a debt is legitimate, negotiate settlement or pay-for-delete terms on your behalf.
Late payments Dispute
Inaccurate or unverifiable 30, 60 and 90-day lates are disputed with all three bureaus. For accurate ones, we prepare goodwill adjustment requests to the creditor.
Charge-offs Dispute
Charge-offs are often reported with the wrong balance, the wrong dates, or twice: once by the creditor and again by a collector. We challenge every inaccuracy and duplicate.
Student loans Dispute
Duplicate tradelines, wrong statuses and servicer transfers create errors. We dispute inaccurate reporting and walk you through federal options such as rehabilitation and consolidation for defaulted loans.
Child support Dispute
We verify that child-support accounts show the correct balance, status and dates, and challenge anything inaccurate. Valid, current arrears cannot be removed, but wrong reporting can be fixed.
Bankruptcy Dispute
Discharged accounts should show a $0 balance and an "included in bankruptcy" status. We correct accounts that keep reporting balances or activity and challenge inaccurate public-record entries.
Vehicle repossession Dispute
Repossessions and deficiency balances are frequently mis-reported: inflated amounts, duplicate entries, missing dispute notes. We challenge what the lender cannot verify.
Identity theft and fraud Protect
Accounts you never opened? We help you file the FTC identity theft report, place fraud alerts or a security freeze, and request that fraudulent items be blocked under FCRA section 605B.
Medical collections Dispute
Medical debt has its own reporting rules, and many medical collections should not be on a report at all. We check each one for compliance and dispute what doesn't belong.
Credit rebuilding and monitoring Rebuild
Removing errors is half the job. We map your rebuild, from secured cards and credit-builder loans to utilization targets, and set up three-bureau monitoring through SmartCredit so you see every change.
Five things decide your score. We work on all of them.
Disputes target the biggest factor, payment history, but a real plan also fixes utilization, protects account age and stops unnecessary inquiries. Hover or tap a slice to see how each one works.
Free tool
Credit utilization calculator
Utilization is about 30% of your score and the fastest thing you can change. Enter the balances and limits on your credit cards.
Enter your numbers to see your utilization.
How a case moves through our office
The same four stages, every case, with plain updates so you always know what's happening and why.
- 01
Free credit analysis
We pull your three-bureau report through SmartCredit and go through it with you, item by item, in English or Spanish.
Day 1 - 02
Dispute strategy
We build your case: which items get disputed, which get negotiated, and which need a goodwill letter instead.
Week 1 - 03
Challenges filed
Disputes go out to all three bureaus and to the creditor or collector. Bureaus generally have 30 days to respond.
Ongoing, 30-day rounds - 04
Results and rebuild
We confirm what changed, refile anything unresolved, and move you into utilization, tradeline and monitoring work.
Round by round
Watch: how a dispute actually works
From "that's not mine" to a corrected report
A 90-second walkthrough of what happens after you sign with us, told through one sample account.
Illustrative walkthrough with sample data. Actual results, dollar amounts and timelines vary by case, and no specific outcome is guaranteed.
Better credit opens doors
This is what a repaired file actually gets you: approvals, lower rates and rejection letters that stop showing up.
Rent an apartment
Pass the credit check on the place you actually want, without a cosigner.
Finance a car
Qualify for a real interest rate instead of the subprime rate.
Buy a home
Meet the minimum score a mortgage lender actually approves.
Grow a business
Open the LLC's own credit file and stop guaranteeing every account personally.
Know before you sign
Your rights under federal law
Credit repair is regulated. Here is what the law actually guarantees you, whether you work with us, another company, or no one at all.
Free reports every week
You can pull all three bureau reports at annualcreditreport.com at no cost. We pull them for you through SmartCredit so you can see them side by side.
A 3-day right to cancel
Under the Credit Repair Organizations Act, you can cancel any credit repair contract within three business days of signing, no reason required.
No advance fees
It is illegal for a credit repair company to charge you before the promised services are performed. We bill only after each month's work is complete.
A written contract
You are entitled to a contract that spells out the services, the total cost, and your cancellation rights, before any money changes hands.
30-day investigations
Once you dispute an item, the credit bureau generally has 30 days to investigate and respond under the Fair Credit Reporting Act.
You can dispute for free, anytime
Nothing we do is something you're legally barred from doing yourself, directly with the bureaus, at no cost. We do the research, writing and follow-up for you.
This is a general summary, not legal advice. Full text: Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), and the FTC's consumer guide at consumer.ftc.gov.
Frequently asked questions
How is this different from disputing items myself?
You can dispute for free at any time, and we'll tell you that upfront. What we add is the research into whether an item is actually inaccurate or unverifiable, the correct dispute language for each bureau and creditor, tracking across multiple rounds, and follow-up when a bureau reinserts something without proper notice.
How long does the process take?
The first bureau responses usually land 30 to 45 days after a dispute is filed. Most files run two to four rounds. Straightforward files can wrap up in a few months; files with many negative items, or ones that need creditor negotiation, can take longer. We give no fixed guarantee, because it depends on what each bureau and creditor decides.
Can you guarantee items will be removed?
No, and any company that promises a specific result or score increase is not being straight with you — that's actually against the law. We can guarantee the work: an honest review, a properly filed dispute for every inaccurate or unverifiable item, and follow-through on every round.
What does it cost?
We review your file and quote a flat monthly fee before any work begins, billed only after that month's work is done, never in advance. Your free credit analysis carries no cost or obligation.
What if an item on my report is actually accurate?
We won't ask a bureau to remove something that's true and verifiable — that would be fraud, and it would put your case at risk. For accurate negative items, we look at creditor negotiation, goodwill adjustment requests, or a payoff and rebuild strategy instead.
Do you work with people who don't speak English?
Yes. Every consultation, contract and update is available in Spanish as well as English.
What is SmartCredit, and why do you use it?
SmartCredit is a monitoring service that pulls your Equifax, Experian and TransUnion data in one place, so we can see the same reports you see and track changes in real time. We're an affiliate: if you sign up through our link, we may earn a commission at no added cost to you.
Do you help with business credit too?
Yes. If you own an LLC, we can help you set up a D-U-N-S profile, open EIN-only net-30 vendor accounts, and build toward a PAYDEX score, separate from your personal credit file.
Free, 20 minutes, no obligation
Book your credit consultation
Pick a day and time, tell us your name, phone, email and city, and you'll get a confirmation code on screen right away. We get every detail the moment you book.
BOOKING = { and paste your form ID — see the setup steps below the site.
You're booked
Save this code. Give it to our team when you call, and we'll use it to pull up your appointment right away.
Or, send us a message
Get your free credit analysis
Not ready to pick a time? Tell us what's on your report and how to reach you. We'll follow up within one business day.
Already want to see your reports?
Pull your Equifax, Experian and TransUnion reports and scores in one place through our SmartCredit partner link, then bring them to your free analysis.
Pull my 3-bureau reportsJROJAS LLC is a SmartCredit affiliate partner. If you sign up through this link, we may earn a commission at no additional cost to you. SmartCredit is a monitoring and education service, not a guarantee of any specific outcome.