9 month credit consulting package

The 9 month credit consulting package is our most comprehensive and strategic credit consulting program—designed for individuals with complex credit profiles that include 20 or more negative accounts. Whether you're dealing with collections, charge-offs, repossessions, or public records, this 9-month program offers a patient, layered approach to help you rebuild your credit the right way.

It’s perfect for those who are not in a rush, but ready for real, lasting progress.

What’s Included:

• Preparation of dispute documentation for 20+ negative items

• Certified mailings to Equifax, TransUnion, and Experian

• Up to 5 full dispute rounds across the program

• Creditor-level and bureau-level challenges as needed

• 4 private 1:1 coaching calls (scheduled throughout the 9-month program)

• Monthly credit status reviews and performance tracking

• A complete credit recovery roadmap + accountability tracker

How It Works:

After onboarding, JoiCreditCo performs a full credit audit and creates a customized dispute and credit-building strategy. Dispute documentation is prepared and mailed monthly via certified mail, while coaching calls and regular updates ensure you stay on track. Most clients begin seeing movement within 30–45 days, with steady improvements as the program progresses.

⏳ Built for Long-Term Transformation

This program is for individuals who are committed to long-term change. With extended time, structured support, and strategic planning, we work together to address complex issues and help you rebuild stronger than ever.

⚠️ Compliance Note:

JoiCreditCo provides credit education and FCRA-compliant consulting services. We do not guarantee deletions or specific results. Outcomes vary by credit profile, but we guarantee honest work, personalized strategy, and full effort on your behalf.

✅ Requirement:

Active credit monitoring is required for all clients at $24.99/month (via IdentityIQ or SmartCredit) to support accurate tracking and effective consulting throughout the 9-month program.