Credit Repair Solutions Designed for Real Results
Credit Justice offers tiered service plans designed to meet clients at different stages of their credit journey. Whether starting fresh or preparing for major financial goals, every plan is backed by proven methods, legal insight, and a 90-day money-back guarantee.
Features & Benefits at a Glance
Legacy
Comprehensive Repair- The most complete option, designed for those who want full coverage and ongoing guidance.
Unlimited challenges to all 3 credit bureaus
Score analysis & tracking
Creditor intervention letters
Inquiry targeting
Personalized guide
Loan readiness program
Three-bureau reports and scores
Access to educational content
Backed by a 90-day money-back guarantee
$195 initial + $139.99/month
Momentum
Advanced Support- Ideal for those who need more than the basics but don’t require the full Legacy package.
Challenges to all 3 credit bureaus
Score analysis & tracking
Creditor intervention letters
Inquiry targeting
Personalized guide to building credit
One-bureau report and scores
Access to educational content
$149 initial fee + $119.99/month
Foundation
Essential Repair- A starter plan for those who want the core services at the most affordable rate.
Challenges to all 3 credit bureaus
Score analysis & tracking
Creditor intervention letters
Access to educational content
$99 initial + $99.99/month
Additional Services
Flat Fee Promotions – Special offers available at certain times.
Flat Fee Services – Options for bankruptcy and repossession removal.
Free Ebook – Downloadable guide to credit repair available in exchange for a quick form submission.
FAQs
Common questions about credit reports
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Every consumer is entitled to one free credit report every 12 months from each of the three major credit bureaus: Equifax, Experian, and TransUnion. These can be requested through AnnualCreditReport.com. Many free credit monitoring services also provide access to a report and score. At Credit Justice, we help clients access and review their reports as part of the repair process.
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It’s important to review your report for errors, such as accounts that don’t belong to you, accounts incorrectly reported as late, or duplicate entries. Incorrect personal information like misspelled names or outdated addresses should also be corrected. Credit Justice carefully analyzes reports to spot these issues and prepare disputes on your behalf.
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Each credit bureau gathers information from different sources, which is why reports from Equifax, Experian, and TransUnion may not match. For this reason, it’s important to review all three. Credit Justice evaluates each report individually and creates a tailored plan to address issues across all bureaus.
Common questions about the credit repair process
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Yes. The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate information on your own. However, the process can be time-consuming and complex. Credit Justice takes that burden off your shoulders by handling disputes, correspondence, and follow-ups with bureaus and creditors, making the process faster, more organized, and backed by expertise.
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It depends on your situation, including the number of errors and creditors involved. Credit bureaus must investigate disputes within 30–45 days, but meaningful changes to your score may take several months. Credit Justice provides regular updates and ongoing coaching, so you always know where you stand.
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Only inaccurate, unfair, or unverifiable information can be removed. This may include incorrect collections, late payments, charge-offs, or bankruptcies. Accurate and timely items cannot legally be removed. Credit Justice specializes in identifying what can be challenged and building the strongest case possible.
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Most negative items remain for seven years, while bankruptcies can last up to 10 years. Credit Justice works to ensure inaccurate or outdated items are corrected or removed as quickly as possible.
Common questions about credit repair companies
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That’s a personal decision. While everything we do can legally be done on your own for free, many clients choose Credit Justice because of the time, expertise, and relentless advocacy we bring. Our team handles the details and stands up to creditors and bureaus on your behalf.
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Legitimate companies will never:
Guarantee a specific score increase.
Charge upfront before services are rendered (this is illegal under the Credit Repair Organizations Act).
Ask you to dispute accurate information or create a new credit identity.
Credit Justice is fully compliant with the law, transparent in pricing, and backs all work with a written agreement and money-back guarantee.
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Ask about fees, services, and timelines. Find out if they offer written contracts, money-back guarantees, and work with legal expertise. Credit Justice is proud to be transparent, outline services clearly, provide written agreements, and support clients with both legal and financial knowledge.
General questions about rebuilding credit
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Good financial habits make a big difference over time:
Pay all bills on time.
Keep credit utilization under 30%.
Pay down high-interest debt.
Keep your oldest accounts open.
Limit new credit applications.
Credit Justice provides coaching and resources to help clients build these habits alongside their credit repair plan.
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No. Paying off a collection updates the account to “paid,” but the negative mark can remain for up to seven years from the original delinquency date. In some cases, creditors may agree to a “pay-for-delete,” but this is not guaranteed. Credit Justice helps clients understand their options and pursue the best path forward.