🔹 9-Month Credit Repair Plan

For 20+ negative accounts

This package is designed for high-impact cases: multiple collections, repossessions, bankruptcies, or any profile with over 20 negative accounts. It's our most thorough long-term plan, giving your profile the time and attention it needs.

What’s Included:

• Aggressive disputes with all 3 bureaus

• Up to 5 dispute rounds

• Bureau + creditor level challenges

• 3 personalized coaching calls

• Monthly credit status updates

• Full credit recovery strategy + tracker

How It Works (Tailored to This Plan):
For complex credit profiles, patience + pressure = results. Joicreditco will send certified disputes monthly, working all 3 bureaus while challenging creditors directly when needed. You’ll receive progress updates and guidance along the way.

⏳ Many clients start seeing results in 30–45 days, with continued progress throughout. This is a full rebuild journey, not a quick fix.

✅ Ongoing credit monitoring 24.99 is required.