INTERMEDIATE SERVICE (THE SILVER PACKAGE)

$249.99

Credit Repair & Credit Growth Package (The Silver Package)

Restore, rebuild, and grow your credit with a targeted program designed to remove inaccuracies, strengthen your profile, and unlock better financial opportunities.

What’s included

Comprehensive credit audit
- Full review of credit reports from all three bureaus
- Identification of errors, outdated items, and potentially disputable accounts
- Prioritized action plan with timelines and expected outcomes
Dispute & resolution management
- Professionally drafted dispute letters and documentation
- Ongoing communication with bureaus and creditors until resolved
- Monitoring of dispute progress and outcome tracking
Debt strategy & negotiation
- Analysis of current balances, payment history, and creditor behavior
- Negotiation support for settlements, pay-for-delete, and goodwill adjustments when applicable
- Customized payoff plan to reduce balances and improve utilization
Positive tradeline & credit-building roadmap
- Recommendations for secured cards, installment loans, and authorized-user strategies
- Guidance on timing and sequencing to maximize score impact
- Setup assistance as needed (secured account onboarding, creditor contacts)
Credit-growth coaching & education
- One-on-one consultation to explain credit factors and score drivers
- Personalized habits and automation tips (payments, utilization targets, monitoring alerts)
- Quarterly check-ins for 12 months to adjust strategy as your profile improves
Identity theft & fraud support (if applicable)
- Guidance on placing security freezes and fraud alerts
- Assistance preparing identity theft reports and working with bureaus

Why choose our package

Data-driven approach: We combine thorough analysis with proven dispute and rebuilding tactics to produce measurable improvement.
Transparent process: Clear action steps, realistic timelines, and regular progress reports.
Compliance-first: All actions are compliant with credit law and best-practice industry standards.
Growth-focused: Beyond repair, we prioritize sustainable credit-strengthening strategies that support long-term borrowing goals.

Who this is for

Consumers with inaccuracies or outdated negative items on their reports
People recovering from temporary credit setbacks (collections, late payments)
Individuals preparing for a major loan (mortgage, auto, business financing)
Anyone seeking long-term, sustained improvement to their credit profile

What results to expect

Removal or correction of verifiable errors and outdated information
Reduction in reported balances and improved utilization through strategic paydown
Score improvement timelines vary; many clients see measurable gains within 60–180 days depending on items addressed and credit history no one is guaranteed to have a perfect credit!! Not even the biggest firms can promise that!!

Next steps

Schedule a consultation to begin your comprehensive audit, must bring most current three credit reports not from Credit Krama!! Sign authorization form.
Provide authorization for credit report access and a brief financial snapshot
Receive your personalized action plan within 5–7 business days

Pricing & packages

Tiered options available based on complexity and desired duration of ongoing coaching
Payment plans and bundled savings offered for combined repair + growth services Contact our team to get a custom quote based on your credit profile and goals.

J & N TAX & CREDIT CONSULTANT LLC — Expert tax and credit consulting services to optimize your financial future. Book your personalized consultation today for tailored tax strategies.

Credit Repair & Credit Growth Package (The Silver Package)

Restore, rebuild, and grow your credit with a targeted program designed to remove inaccuracies, strengthen your profile, and unlock better financial opportunities.

What’s included

Comprehensive credit audit
- Full review of credit reports from all three bureaus
- Identification of errors, outdated items, and potentially disputable accounts
- Prioritized action plan with timelines and expected outcomes
Dispute & resolution management
- Professionally drafted dispute letters and documentation
- Ongoing communication with bureaus and creditors until resolved
- Monitoring of dispute progress and outcome tracking
Debt strategy & negotiation
- Analysis of current balances, payment history, and creditor behavior
- Negotiation support for settlements, pay-for-delete, and goodwill adjustments when applicable
- Customized payoff plan to reduce balances and improve utilization
Positive tradeline & credit-building roadmap
- Recommendations for secured cards, installment loans, and authorized-user strategies
- Guidance on timing and sequencing to maximize score impact
- Setup assistance as needed (secured account onboarding, creditor contacts)
Credit-growth coaching & education
- One-on-one consultation to explain credit factors and score drivers
- Personalized habits and automation tips (payments, utilization targets, monitoring alerts)
- Quarterly check-ins for 12 months to adjust strategy as your profile improves
Identity theft & fraud support (if applicable)
- Guidance on placing security freezes and fraud alerts
- Assistance preparing identity theft reports and working with bureaus

Why choose our package

Data-driven approach: We combine thorough analysis with proven dispute and rebuilding tactics to produce measurable improvement.
Transparent process: Clear action steps, realistic timelines, and regular progress reports.
Compliance-first: All actions are compliant with credit law and best-practice industry standards.
Growth-focused: Beyond repair, we prioritize sustainable credit-strengthening strategies that support long-term borrowing goals.

Who this is for

Consumers with inaccuracies or outdated negative items on their reports
People recovering from temporary credit setbacks (collections, late payments)
Individuals preparing for a major loan (mortgage, auto, business financing)
Anyone seeking long-term, sustained improvement to their credit profile

What results to expect

Removal or correction of verifiable errors and outdated information
Reduction in reported balances and improved utilization through strategic paydown
Score improvement timelines vary; many clients see measurable gains within 60–180 days depending on items addressed and credit history no one is guaranteed to have a perfect credit!! Not even the biggest firms can promise that!!

Next steps

Schedule a consultation to begin your comprehensive audit, must bring most current three credit reports not from Credit Krama!! Sign authorization form.
Provide authorization for credit report access and a brief financial snapshot
Receive your personalized action plan within 5–7 business days

Pricing & packages

Tiered options available based on complexity and desired duration of ongoing coaching
Payment plans and bundled savings offered for combined repair + growth services Contact our team to get a custom quote based on your credit profile and goals.

J & N TAX & CREDIT CONSULTANT LLC — Expert tax and credit consulting services to optimize your financial future. Book your personalized consultation today for tailored tax strategies.

At J & N TAX & CREDIT CONSULTANT LLC, our credit repair services combine innovative dispute strategies, personalized credit coaching, and meticulous review of your credit reports to restore and strengthen your financial profile. We identify inaccuracies and outdated items, draft dispute letters and creditor negotiations, and provide actionable plans to rebuild positive credit behavior—such as targeted payment strategies, debt management options, and tailored credit-building product recommendations. Our approach integrates tax and credit insights so corrections align with your broader financial goals, helping you qualify for better loan terms, lower interest rates, and increased financial opportunities. Book a personalized consultation to get a clear roadmap and measurable steps toward a healthier credit score.