We've Helped 30,000+ Clients Remove $100 Million in Debt — Are You Next?
Get With the Credit Repair Company That Actually Delivers Results — Not Excuses.
We Don't Just Talk Credit Repair — We Show Receipts. 30,000+ Clients Served.
Results You Can Actually See
First dispute round goes out right after onboarding.
Collections, charge-offs, late payments and more — gone.
Families, first-time buyers, and business owners.
Across the board — and we show the receipts.
Negative Items Holding Your Score Down
We dispute closed and negative accounts across all three bureaus — Experian, Equifax, and TransUnion.
Pick the Plan That Fits Your Goals
Limited-time sale pricing. Start with 3 months, or go all-in with the Rapid Program and get guaranteed work for one payment.
3-Month Credit Repair
Three full months of dispute rounds on your profile — the plan most clients start with.
- 3 months of credit repair service
- Aggressive dispute rounds every 30–45 days
- All three bureaus worked every round
- Dedicated client portal & progress updates
- Negative items disputed: collections, late payments, charge-offs & more
Requires active SmartCredit monitoring ($39/mo)
Rapid Credit Repair Program
One-time payment. We work your profile until the job is done — guaranteed. Built for people who need approvals fast.
- One-time payment — no monthly plan fees
- Guaranteed work on your profile
- Rapid, priority dispute processing
- Unlimited rounds until your profile is where it needs to be
- Recommended for homebuyers, auto approvals & business funding
Requires active SmartCredit monitoring ($39/mo)
BUY NOW, PAY LATER OPTIONS AVAILABLE!
Both options require active SmartCredit monitoring ($39/month) and timely responses during onboarding so we can send your first dispute round right away.
What Happens After Purchase?
Four simple steps and we go to work. Most clients are fully onboarded in under 48 hours.
Purchase Your Plan
Secure your spot and get started. You'll receive your welcome email and portal login right away.
Activate SmartCredit ($39/mo)
Mandatory to start your service. This gives us your reports from all three bureaus so we can dispute accurately.
Complete Onboarding + Submit Documents
Upload the following to your client portal:
- Valid Government ID
- Social Security Card or SSN
- Proof of Address (dated within last 30 days) — utility bill, bank statement, or lease/mortgage statement
Begin Disputes
Your 1st round is sent out after onboarding. A new round goes out every 30–45 days until your profile is where it needs to be.
Real Clients. Real Keys.
We don't post screenshots and call it a day. These are our clients on closing day.
Free 15-Minute Consultation
Consultations are completely optional — you can purchase and get started right now. But if you'd like answers before getting started, we've made it easier than ever to connect.
This is your chance to get clarity, confidence, and direction — in just 15 minutes with our team. No charge, no excuses.
Book Your Free ConsultationOn the call we'll cover:
- Questions about repairing your credit?
- Not sure if 3-Month or Rapid is right for you?
- Want to know what a home or auto approval really takes?
- Curious how we've already transformed so many lives?
Prefer to skip the call? Join our community to see more real-life testimonials, catch our latest sales, and enter our raffles.
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Jashun Petite Sr.
I started J-Millian Financials because I know what it feels like to be told no. The frustration of debt, the embarrassment of a credit denial, the anxiety of not knowing if you'll ever get approved for the things your family needs.
Today my team and I have helped clients go from denied to closing day — new homes, new cars, business funding — using the exact system we run on every single profile.
"We don't just talk credit repair. We show receipts. Are you ready to take the first step?"
Frequently Asked Questions
Do I need a consultation?
Consultations are optional and not required. Once you purchase, communication is handled through email and your client portal so nothing slows your first round down.
How long does it take to see results?
You can expect to see results in as little as 30 days, with some items taking up to 90 days depending on how the bureaus respond.
What items can you remove?
We dispute closed and negative accounts only — collections, charge-offs, late payments, repossessions, bankruptcies, judgments, medical bills, hard inquiries, and more.
How can I improve my score?
Start with us today! Whether it's getting negative items removed or positive lines added, we can help you build a profile lenders say yes to.
Where can I see my credit reports? Is there a charge?
SmartCredit gives you all three bureaus (Experian, Equifax, TransUnion) in one place, and it's what we use to pull and track your disputes. The $39/month charge is mandatory to stay in service.
How long does it take to fix my credit?
On average the program runs about 6 rounds with 35–40 days between each round, so the full process typically takes 7–8 months. Most clients start seeing results within the first 30–60 days, sometimes sooner. Remember — we are credit repair specialists, not magicians. Every profile is different and there are no refunds.
How do I get started?
Simply choose your option above, activate SmartCredit, complete onboarding, and we send your first round. Have questions first? Book a free consultation, call our team, or DM us and someone will be in contact within 24 hours.
Stop Getting Denied. Start Getting Keys.
Lock in sale pricing today and let J-Millian Financials go to work on your profile.
Get Started Today