
I will help you resolve your bad credit
We make the credit repair process easy for you.
Credit Audit and Consultation
In-person or via phone, we review your credit report to understand how we can best help you. In our consultation we will align your goals with how your credit report needs to reflect so you have the best chance of achieving your goals.
- Written Plan of Action
- Goal driven consultation
Hire us
Once you are comfortable with our action plan for working with you on your credit report errors, sign the contract and necessary forms to begin.
- Sign contract to begin
The Credit Repair Process
We begin work on your file usually with an affidavit to clear up errors with your personal information. Once corrected, we move on to challenging erroneous credit data with the credit reporting agencies. We may even challenge directly with the creditors if needed. We work to make sure everything is accurate for up to six months.
- Monthly updates
- 24/7 Monitoring via our client portal
- Frequent coaching on best credit practices
Refer to an Attorney
We refer many issues to the J. Gannon Helstowski Law Firm when they can assist our clients. During our process we may discover FDCPA and FCRA violations that the law firm can leverage to remove negative items from your credit report. If creditors continue to harass you, they can assist in going after them.
- FDCPA / FCRA lawsuits
- TCPA Lawsuits
- Debt Collection Harassment Lawsuits
We are here for you
Even after finishing with your credit repair process, we are here for you. If any issues should arise with your credit report, we can assist with resolving them. Call us or stop by our office to talk about your credit anytime.
- Optional monthly monitoring to make sure your credit stays great

Testimonials
What are people saying about us?

-Tami T.
If you really want to fix your credit score, Big Joe is the perfect man for the job.Their staff is very helpful and kind.Highly recommend!

-Ismael M.
Talk about 1st class service. Joe and his team went above and be e and beyond to make sure I understood every step of the process

Michael W.
I greatly recommend Big Joe for for your credit repair. He is highly professional.

Elena J.
Our credit needed a lot of work! Joe has helped us get ready to purchase our first home. It is always a pleasure to work with Joe because I am confident that it will be a job well done. I will recommend Joe’s credit repair services to everyone I know!

Patty R.
Extremely Grateful For Joe & Staff’s Professionalism and Services. Team Work and Communication Has Has Brought Us Along Way. Our Future Dreams Are Ready To Start This New Year. We Defifinitely Chose The Right Buisness To Get The Job Done. Thanks Big Joe!!! Your The Best!!! God Bless, The Ramirez’s.

Robert Y.
Thank you for your service because of your help we got our home and cars. Keep doing the great job Big Joe.

Yessica C.
Highly recomend to anyone that needs there credit to be repair…Very friendly and very helpful…
Thank you so much Big Joe.

Dante R.
Awesome experience. . Would recommend recommend to anyone needing help.