Our Services
Credit Consulting Services Tailored To Your Goals
We help clients better understand their credit profiles while providing guidance and support throughout the credit improvement process — with honest expectations and clear communication at every stage.
What We Do
Practical Support At
Every Stage Of The
Process
From your first credit review to ongoing progress tracking, every service is delivered with the same standard: accurate work, plain explanations, and a process you can actually follow. Below is how we support clients throughout their credit journey.
01
Credit Analysis
A detailed review of your current credit reports, with a clear breakdown of the items affecting your profile.
Full review of all three credit reports
A clear summary of factors impacting your profile
Identification of negative and questionable items
02
Credit Education
Practical guidance on the factors that influence credit performance, so you can make informed decisions going forward.
Plain-language explanation of credit factors
Answers to your questions throughout the process
Guidance on habits that support a stronger profile
03
Credit Dispute Assistance
Assistance with addressing inaccurate, incomplete, or unverifiable information reported on your credit file.
Preparation of dispute correspondence
Tracking of every item in progress
Follow-up on bureau and furnisher responses
04
Credit Monitoring Guidance
Help tracking your progress and understanding the updates that appear throughout the process.
Help reviewing report updates as they post
Ongoing progress check-ins
Clear explanation of what each change means
05
Financial Goal Preparation
Support for clients preparing for important financing milestones.
Home Purchase
Business Funding
Vehicle Financing
Personal Financing
Dispute Assistance
Negative Items We Work
To Remove
We assist with challenging items that appear inaccurate, outdated,
incomplete, or unverifiable through the proper dispute process.
Inaccurate Late Payments
Late payments reported in error, or that a furnisher cannot verify, may be challenged for correction or removal.
Collection Accounts
Collections that are inaccurate, unverifiable, or improperly reported can be disputed with the bureaus and collectors.
Charge-Offs
Late payments reported in error, or that a furnisher cannot verify, may be challenged for correction or removal.
Medical Collections
Medical debts reported incorrectly, already paid, or below reporting thresholds can be reviewed and challenged.
Repossessions
Repossession entries showing inaccurate balances, dates, or status may be disputed for correction.
Identity Theft Errors
Fraudulent accounts and inquiries resulting from identity theft can be flagged and addressed with documentation.
Duplicate Accounts
The same debt reported multiple times across your file can be identified and disputed as duplicates.
Incorrect Personal Information
Wrong names, addresses, or employers that create confusion on your report can be corrected.
Outdated Negative Items
Negative items reported beyond the legally allowable time frame can be challenged for removal.
Unverifiable Inquiries
Hard inquiries you did not authorize, or that cannot be verified, may be disputed.
Accurate, verifiable items generally cannot be removed. Results vary by client and depend on individual circumstances and bureau investigations.
How It Works
Our Simple 4-Step Process
01
Credit Review
We review your current credit profile and identify opportunities for improvement.
02
Strategy Development
We create a personalized action plan based on your unique situation.
03
Dispute & Verification Process
We assist with addressing questionable, inaccurate, or unverifiable items where applicable.
04
Progress Tracking
We monitor updates and keep you informed throughout the process.
Frequently Asked Questions
Questions, answered clearly.
How long does credit repair take?
Timelines vary from one person to the next. The process depends on the number and type of items being addressed and the response times of the credit bureaus and furnishers. We'll give you a realistic sense of what to expect for your specific situation and keep you updated throughout.
Will my score increase?
We cannot promise a specific score increase. Credit scores are influenced by many factors, and outcomes depend on your individual circumstances and the results of bureau investigations. Our role is to help you address inaccurate or unverifiable items and understand the habits that support a stronger profile over time.
What items can be challenged?
We assist with addressing items that appear inaccurate, incomplete, outdated, or unverifiable — such as questionable late payments, certain collection accounts, charge-offs, duplicate accounts, and incorrect personal information. Accurate, verifiable items generally cannot be removed.
How often will I receive updates?
We keep you informed as meaningful updates occur and as items move through the process. You'll always have a dedicated point of contact for questions in between updates.
Do you guarantee results?
No. We do not guarantee the removal of any specific item, a credit score increase, or any particular credit outcome. Results vary based on individual circumstances and the outcome of bureau investigations.
Get Started
Let's Build Your Credit Strategy Together
TT&J Global Consulting Services LLC provides professional credit consulting services designed to help clients understand and strengthen their credit profiles.
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Business Hours
Monday – Friday, 9:00 AM – 5:00 PM (Eastern Time)
© 2026 TT&J Global Consulting Services LLC. All Rights Reserved.
TT&J Global Consulting Services LLC does not guarantee the removal of any specific item, credit score increase, or credit outcome. Results vary based on individual circumstances and bureau investigations.