Our typical client increases his or her score by 50 - 100 points in 75 days. We do as much work for you as we can - without hurting the effectiveness of the process.

Step #1. A CJS consultant pulls a tri-merged credit report.
This is a report with up to date information from all three credit bureaus. A small fee of $50 is required. If you already have a credit report (from a mortgage broker, for example, that has the results from all 3 Credit Bureaus then the fee is waived.

(We love the “Free Credit Reports.com” song too, but FreeCreditReports.com does not provide the full information needed to write effective dispute letters.)

This is the form you can send to us if you want us to pull and score your credit report.

Step #2. FREE credit report evaluation and consultation.
We call you and show you line by line, what percent chance we have of removing each piece of derogatory information that is lowering your credit score.

Example of Scored Report.

Step #3. You decide which items to “dispute.”
It’s entirely up to you. CJS charges only $50 per negative/incorrect trade line you want to dispute. Companies that charge monthly fees make your credit repair process take 1 - 2 years, rather than the 75 days it should take. You pay less/month but it takes a lot longer and you end up paying more.

Example: Say you have 1 Bankruptcy, 2 Credit Cards that aren’t yours, and 3 Ninety Day Late Payments. That’s 6 “trade lines” times $50 per trade line= $300 to improve your credit report. Removing these could improve your credit score as much as 100 points. You can make 3 payments of $100 each.

Step #4. Credit Justices Services generates three rounds of dispute letters for you.

Letter #1 disputes the accuracy of the line items. Many companies do this, but many of their letters are thrown in the trash by the Credit Bureaus. Our letters are just different enough to get past their checkers who like to throw out letters that aren’t written properly by consumers, or who are prepared by other credit repair companies.

Letter #2 sent after 30 days demands “verifiable proof” that the account is accurate.
This is a key step. Even if the Credit Bureau investigates the line item and “says it’s accurate” we know their secrets and that they actually did NOT do the proper investigation required by law. So we challenge their “process.” (We are setting them up to be sued if they do not follow the law and they know it, so typically they will then remove the negative line item from your report.)

Letter #3 sent at the end of 60 days, “demands removal” of all UNPROVEN negative/incorrect trade lines from your credit report, permanently. If the Credit Bureau has either (a) not responded in time, or (b) provided proof that the account is accurate, they must remove it from your credit report.

Sample Letter: 3rd Round

Step #5. You Download, Sign, and Mail the Letters.
Once you begin the process you will receive access to your on-line account. You type in your name and password and download each round of letters.

SECRET. We create 1 letter per trade line per bureau for you. Many consumers and other credit repair organizations list 20 disputes in the same letter which can allow the Credit Bureaus to label ALL your disputes as “frivolous” and then tossing them in the trash.

We know that creating 30 - 90 letters would be difficult for you, so we create them. You just download them, sign them in BLUE INK (so the Bureau knows they are from a real person rather than a computer program), and then mail them in.

Step #5. Monitoring Your Progress
Most of the time the Credit Bureaus will respond to your dispute within 30 days and you may even see deletions immediately. At the end of 30 days you just pack all the responses up in a Priority Mail envelope and send them back to us.

IMPORTANT! You can log-in to your account and see exactly how many items have been deleted.

Then the same thing happens for each round of letters.

Every month you do NOT start this process and have negative items on your report - YOUR SCORE GOES DOWN.

Why not start now?

We are happy to give you a FREE Credit Report Evaluation. Just download and send in the form below. (If you have questions you can always Chat with us in the Live Chat Room at the left.)