Basic Credit Consulting Package

The Basic Package is a 90-day credit consulting program tailored for individuals facing minor to moderate credit challenges—such as collections, late payments, or excessive inquiries. This service includes full tri-bureau support, dispute preparation, and strategic coaching to help you take meaningful steps toward improving your credit profile.

What’s Included:

• Dispute documentation prepared for Equifax, TransUnion, and Experian

• Up to 2 rounds of customized disputes per month

• Targeted support for late payments and inquiry removal

• A personalized credit-building guide

• One private 1:1 coaching session with a credit consultant

• Ongoing support and check-ins throughout the 90-day program

How It Works:

After onboarding, our team will review your credit reports and identify up to 10 negative items to address. Certified dispute letters are prepared and sent on your behalf, and you’ll receive a custom roadmap to help you build strong credit habits alongside the dispute process.

Many clients begin seeing changes within 30 days, though timelines depend on the credit bureaus and the nature of the accounts being disputed.

⚠️ Compliance Note:

JoiCreditCo offers educational credit consulting and FCRA-compliant dispute preparation. Results vary based on individual credit reports. While deletions are common, we do not guarantee specific outcomes—but we do commit to honest guidance, professional support, and strategic action.