ESSENTIAL (THE STARTER PACKAGE)

Credit Repair & Credit Growth Package

Overview

A comprehensive, results-driven service designed to repair inaccurate or damaging items, rebuild your credit profile, and position you for better financing opportunities. Ideal for individuals wanting faster improvement and long-term credit health.

What’s Included

• Full credit report audit

  • Review of all three credit bureau reports (Experian, Equifax, TransUnion) for errors, outdated items, duplicates, and signs of fraud.

• Customized dispute strategy

  • Priority disputes for unverifiable or incorrect negative items (late payments, collections, charge-offs, public records). Tiered approach to maximize removal potential within reporting rules.

• Automated dispute management & tracking

  • Ongoing submission, response monitoring, and documentation for each dispute with transparent progress updates.

• Creditor negotiation assistance

  • Pay-for-delete and goodwill letter campaigns when appropriate; negotiation templates and direct support for reinstatements or settled accounts.

• Re-aging, validation, and reinsertion oversight

  • Identification and remediation of accounts that were improperly reinserted or inaccurately re-aged by furnishers.

• Credit rebuilding plan

  • Personalized roadmap with recommended secured/unsecured cards, credit-builder loans, authorized user strategies, and targeted utilization targets.

• Personalized credit score optimization

  • Actionable tactics to improve your FICO and Vantage Score over 3, 6, and 12 months, including timing for new credit, balance pay-down priorities, and mix optimization.

• Identity theft & fraud resolution support (if applicable)

  • Guidance on FTC identity theft affidavit, fraud alerts, freezes, and bureau remediation steps.

• Education & ongoing coaching

  • One-on-one coaching session to explain findings and strategy, plus monthly check-ins for 6 months to adjust plan and answer questions.

• Progress reporting

  • Monthly credit snapshot and change log showing score movement and resolved items.

Service Tiers

• Essential (recommended starter)

  • Single-bureau audit, basic dispute submissions, one coaching session, 3 months of monthly check-ins.

Pricing & Guarantee

• No up-front guarantees of specific score increases (no credible firm can legally guarantee exact score outcomes). We guarantee transparent work logs, timely dispute submissions, and professional negotiation efforts. If service delivery milestones are not met as agreed, you’re eligible for a service credit or refund per contract terms.

Who This Is For

• Consumers with errors, collections, or inaccurate negatives lowering credit scores.

• People preparing for a mortgage, auto loan, or refinance.

• Individuals coming out of bankruptcy or rebuilding after identity fraud.

Next Steps

1. Book an intake consultation to review your current reports and confirm the right tier.

2. Provide signed authorization to pull and dispute bureau reports. Also provide your most current credit reports from all three credit bureaus. Not Credit Karma!!

3. Receive your customized action plan within 5-7 business days after intake

Why J & N TAX & CREDIT CONSULTANT LLC

We combine tax and credit expertise to identify cross-cutting opportunities—like leveraging tax refunds, amortization strategies, and documented income optimization—to accelerate credit recovery and support sustainable financial growth.

To schedule your intake or request a customized quote, reply with “INTAKE” and preferred contact times.