6m Credit Consulting Package

This 6-month consulting program is designed for clients facing more complex credit challenges—such as multiple collections, charge-offs, or accounts requiring debt validation. This package offers a more strategic and layered approach, with extended time, deeper support, and multi-level challenges to both bureaus and creditors.

What’s Included:

• Dispute documentation prepared for up to 17 negative accounts

• Certified mailings to Equifax, TransUnion, and Experian

• Up to 3 tailored dispute rounds per month

• Debt validation letter preparation where applicable

• Creditor and bureau-level challenges

• 2 private coaching calls to review strategy and track progress

• A custom credit-building roadmap to support lasting improvement

How It Works:

This program runs over a 6-month timeline and is designed for consistency, patience, and precision. After onboarding, JoiCreditCo will develop a tailored dispute plan, send certified letters to credit bureaus and/or creditors, and layer dispute strategies across multiple rounds for maximum impact.

Most clients begin seeing movement within 30–45 days, with month-over-month progress as your plan advances.

🔁 Strategic Layering:

Each month, we focus on different angles—reframing language, targeting specific data points, and addressing both bureau and creditor reporting inconsistencies to increase the chances of resolution.

⚠️ Compliance Note:

JoiCreditCo offers credit education and consulting services in compliance with the Fair Credit Reporting Act (FCRA). We cannot guarantee deletions or specific outcomes, but we are committed to delivering expert guidance, high-effort documentation, and a results-focused strategy tailored to your needs.

✅ Requirement:

All Deluxe clients must maintain active credit monitoring at $24.99/month (e.g., IdentityIQ or SmartCredit) throughout the 6-month program for real-time tracking and effective case management.