Getting started is quick, secure, and risk-free. You can request your Free Credit Audit through our secure online form or contact us immediately if you’ve received a collection notice. As part of the sign-up process, we’ll help you set up your free sponsored Credit Hero Score account so we can access all three credit bureaus in one place without affecting your scores. After we review your credit reports or collection notice, you’ll receive a clear, written action plan. You’re fully protected by our 5‑day cancellation policy — cancel within five days of signing your agreement without being charged.

No — we’ll handle that for you. As part of your Free Credit Audit, we’ll help you set up your free sponsored Credit Hero Score account so we can instantly access your full credit profile in one secure location. You’ll also have full access to your reports and scores to track progress. There’s no cost to set up the account and no risk — you can review your audit before committing to any paid service.

Our Free Credit Audit is a legal and factual review of your credit reports or collection notice. We look for inaccurate, unverifiable, outdated, or misleading information and explain your dispute or debt‑validation options. You’ll receive a detailed action plan before you pay anything, and you still have our 5‑day no‑charge cancellation window if you choose to move forward.

Just two things — a copy of your government‑issued photo ID and proof of your current address (such as a utility bill or bank statement). These are required by law to verify your identity before we send disputes or debt‑validation requests on your behalf. We’ll guide you on how to upload them securely to our client portal — no mailing paperwork.

Yes — but it’s important to avoid overlapping disputes, which can confuse the credit bureaus and slow results. We recommend finishing or canceling your current service first. Our Free Credit Audit will show you exactly where you stand so you can decide if switching to Juno is the right move. And remember — you can enroll risk‑free and cancel within 5 days without any charge.

A credit audit is our starting point — a legal and factual review of your credit reports to identify inaccurate, unverifiable, outdated, or misleading information. We check every account type, including collections, medical bills, student loans, repossessions, and more, against laws like the FCRA and FDCPA. You’ll get a clear, written analysis with recommendations before you spend a dime, and you’ll still have our 5‑day no‑charge cancellation window.

Timelines vary. Some clients see results within 30–45 days; others may take several months depending on the number and type of items. For collection notices, acting within the 30‑day validation window can speed results. We work in structured dispute cycles, and you can track everything in your secure portal.

Disputing targets inaccurate or unverifiable information with the credit bureaus. Debt validation forces a debt collector to prove they have the legal right to collect. If they can’t, the account may need to be updated or removed. We use both tools strategically depending on the account and reporter.

We dispute the maximum allowed under law and industry best practices for each bureau at a time. This gets results quickly while avoiding the risk of disputes being dismissed as “frivolous.”

Primarily physical, trackable letters to create a paper trail and preserve your rights. Online disputes can include waivers that reduce protections, so we only use them when they’re clearly beneficial.

Yes. Every dispute or validation letter is saved in your client portal so you can review exactly what’s going out and when.

Yes — when it’s the most effective route. We send direct disputes and validation requests to creditors and collectors as well as to the credit bureaus.

If a debt is fully validated and legally collectible, we’ll guide next steps: negotiating a settlement, requesting goodwill updates, or using our Tradeline Suppression service where appropriate.

Within 24–48 hours your client portal is live. You’ll upload your ID, proof of address, and any collection notices. If pulling reports, we’ll help set up your free sponsored Credit Hero Score account. After documents arrive, we prepare and send your first round of disputes/validations. You’ll receive updates each cycle and can cancel within 5 days without being charged.

We move fast: review the notice for FDCPA issues, send a formal debt validation within your 30‑day window, and challenge the account with credit bureaus to maximize removal chances. You don’t need a credit report to start — just the notice, your ID, and proof of address.

Yes — when done in compliance with federal and state laws. We operate under CROA, FCRA, FDCPA, and applicable state regulations. We’re bonded as required in North Carolina and act to protect your rights.

FCRA gives you dispute rights for inaccurate/unverifiable info; FDCPA regulates debt collectors and enables validation within 30 days of a notice; CROA protects you from unfair practices by credit repair companies. We also comply with relevant state laws.

Yes. Every letter, dispute, and recommendation is designed to stay within legal boundaries — no mass template blasts, no rights‑waiving online disputes, and no illegal “pay for delete” promises.

No. We only challenge information that is inaccurate, unverifiable, outdated, or misleading. Sometimes creditors voluntarily update or remove entries after negotiation, but that is always at their discretion.

It is not illegal, but major creditors and bureaus don’t publicly endorse it. Some smaller agencies may agree — it must be handled carefully and in writing. If an opportunity arises, we’ll guide you safely.

Tradeline suppression is when a creditor voluntarily removes or stops reporting a negative account after it’s resolved or closed. It’s not guaranteed or standard, but can be valuable in certain cases. We offer this as a compliance‑safe premium option when appropriate.

A hard inquiry is pulled for lending decisions and can slightly lower your score; a soft inquiry occurs for monitoring or pre‑approvals and doesn’t affect your score. We can challenge unauthorized or 2‑year‑old hard inquiries.

Compliance protects you. Cutting corners with mass templates, waivers in online forms, or “guaranteed removal” claims can backfire and even get disputes flagged as frivolous. We document everything and follow CROA, FCRA, and FDCPA so your rights are preserved.

Yes. CROA requires specific disclosures, prohibits upfront fees, and guarantees a right to cancel within 3 business days. We go further with a 5‑day cancellation window — cancel within 5 days and you won’t be charged any fees.

The Credit Dispute & Repair Plan includes a full-credit audit, customized bureau disputes, validation for collections already reporting, dispute cycles every 35–45 days, ongoing portal access, and dedicated email support. We focus on correcting inaccurate items and ensuring collectors validate what they report. Pricing: $149 setup + $149/month.

The Collection Defense Plan is designed for clients who receive collection notices. We immediately review the notice for compliance, send a validation request within the 30-day response window, track bureau reporting, document all collector responses, and map out next steps. Pricing: $149 setup + $149/month.

The Credit Health Monitoring Plan provides monthly credit monitoring, alerts, and priority access. If a negative item or collection notice appears, you can restart full program services without paying another setup fee. Pricing: $29.99/month.

A request that a creditor/collector stop reporting a negative account. It’s not a dispute of accuracy, but a voluntary removal/stop after resolution. We pursue it only when compliant, appropriate, and likely to be effective based on experience. Available in Premium or as an eligible add‑on.

We don’t provide settlement as a primary service, but we include Debt Settlement Education: how the process works, what to get in writing, pitfalls to avoid, and how settlement fits your overall rebuilding plan. Included in Premium; available to Core if disputes/validations are exhausted.

Yes. You’ll receive tailored education tips and ongoing access to your reports/scores through your free sponsored Credit Hero Score account. After completion, an optional monitoring‑only plan is available.

Focus on: maintaining positive accounts (on‑time payments), building new credit wisely (secured cards/credit‑builder loans if thin), monitoring regularly, and protecting your progress (keep utilization low, avoid unnecessary inquiries). We offer ongoing monitoring to catch new issues early.

No legitimate company can guarantee specific outcomes. We use a compliance‑first approach with every legal tool to challenge inaccurate, unverifiable, outdated, or misleading information. Results depend on your profile and responses from bureaus and furnishers.

Many clients see updates within 30–45 days of the first cycle, though timelines vary. Some items resolve quickly; others require multiple rounds. You’ll track changes via your portal and Credit Hero Score account.

Every profile is different. Removing inaccurate negatives often increases scores, but amounts vary with your credit mix, balances, and payment history. Gains may start modest and grow as positive history builds.

If no inaccurate/unverifiable/outdated info is removed after dispute cycles, we’ll provide a detailed improvement plan at no extra cost. You also have the right to cancel within 5 days of signing without being charged.

If removed due to inaccuracy, unverifiability, or obsolescence, they shouldn’t return unless proper documentation later proves accuracy. If reinserted, we review and challenge again as appropriate. Keep monitoring active to spot changes quickly.

• Make all payments on time.
• Keep utilization below 30% (ideally under 10%).
• Avoid opening unnecessary new accounts.
• Limit hard inquiries to only when necessary.

Premium clients also get tailored strategies for account mix, secured options, and debt‑ratio planning.

You can move to a monitoring‑only plan so we can alert you to new inaccuracies. Keep your Credit Hero Score account active for ongoing tracking.

Yes. There is a one-time $149 setup fee for both the Credit Dispute & Repair Plan and the Collection Defense Plan. The monitoring plan ($29.99/month) does not require a setup fee. All setup fees are billed only after the 5-day cancellation period.

When we successfully invalidate a debt, we charge 30% of the invalidated balance — billed only after the result. If nothing is invalidated, you don’t pay it. Example: $1,000 invalidated → $300 success fee.

Monthly fee covers all cycles, validations, updates, and support while active. Success fee only applies when a debt is invalidated — tying part of your cost directly to measurable results.

Yes — the Aftercare Program is $29.99/mo for monitoring, alerts, and priority access. If something new appears requiring a full plan, your startup fee is waived.

You’re covered by a 5‑day cancellation policy — cancel within 5 days of signing to avoid any fees, including setup. After that, cancel anytime with no hidden penalties. Email support@junocreditsolutions.com with subject “Cancel My Account.” You’ll be billed only for monthly fees up to the cancellation date and any earned success fees.

Your report is the detailed record of accounts, balances, history, and public records. Your score is a three‑digit number calculated from that information.

Experian, Equifax, and TransUnion — we review and address each bureau individually.

Different scoring models exist. Educational scores (e.g., Credit Karma) can differ from lender FICO models. Focus on the data in your reports — that’s what we dispute/validate.

No. Disputing/validating itself doesn’t hurt scores. Removing inaccurate negatives often helps. Temporary impacts typically come from opening new accounts — we’ll guide you carefully.

Up to two years, but impact generally fades after 12 months. Unauthorized or 2‑year‑old inquiries can be challenged.

No — accurate information remains until it ages off (most negatives 7 years; bankruptcies 7–10; inquiries 2 years). We target only inaccurate, unverifiable, outdated, or misleading items.

A hard inquiry happens for applications and may slightly lower your score; a soft inquiry is for monitoring or pre‑approvals and doesn’t affect your score. Pulling your reports through our sponsored account is a soft inquiry.

Credit repair itself isn’t recorded on your reports. Our disputes and validations don’t create any negative “mark.” Only accounts, inquiries, and payment history appear.

Yes. We dispute/validate these like other accounts. Medical collections often contain errors; student loans can report incorrectly after transfers; repossessions must be reported with exact accuracy. We review each during your audit to determine strategy.

Items removed for inaccuracy/unverifiability/outdated status shouldn’t return unless documentation later proves accuracy. If they reappear, we can challenge again. Keep monitoring active to catch changes quickly.

We can start with a notice. Under CFPB Regulation F, collectors must send a written notice and wait a reasonable period (generally at least 15 days) before reporting. Acting quickly lets us send a validation request during that window to prevent improper reporting. If it’s already reporting, we dispute there too.

Your legal right to demand proof that a collector can collect. They must provide documentation such as the original creditor, amount owed, and evidence they can legally collect. Until then, they cannot lawfully continue collection or report to bureaus.

When a collector cannot provide required documentation after challenge. The debt cannot be legally enforced and often must be removed from credit reports.

The collector loses legal ability to pursue it, and the account should be deleted from your reports — eliminating both collection risk and negative reporting tied to the account.

The same collector cannot pursue it again. In rare cases it may be sold to another collector, who must meet the same validation requirements. If it reappears, we challenge immediately.

A success fee of 30% of the invalidated balance, billed only after results and after your 5‑day cancellation period has passed.

Yes. Medical debts are common and often error‑prone. We review for compliance and challenge when they don’t meet legal standards.

We require collectors to communicate through us instead of contacting you directly. Under the FDCPA, you can request calls stop. If calls continue after notice, that may be a violation — we’ll document for potential enforcement.

Don’t ignore a lawsuit. We’re not a law firm and can’t represent you, but we review records, help you understand documentation gaps, and point you to legal resources. Many debt suits rely on incomplete records — acting quickly is key.

Yes. We dispute inaccurate reporting of charged‑off accounts and validate with any collector attempting to collect. In some cases, we pursue suppression requests (offered in Premium) if the account has been resolved.

Your report should more accurately reflect your history. Many clients see meaningful score increases, and lenders/landlords/employers view a fairer picture. Clean credit is a foundation for better opportunities.

Keep monitoring active; pay bills on time; avoid high card balances; apply for new credit only when necessary. We provide educational resources along the way.

Credit is dynamic. Monitoring alerts you to changes instantly so new negatives can be addressed right away. Many clients continue monitoring because prevention is easier than fixing later.

Yes. Our Credit Health Monitoring program ($29.99/month) provides continuous monitoring, alerts, and priority access. If any negative item or new collection notice appears, you can restart full program services at any time without paying another setup fee.

Usually no. Older accounts help your length of credit history and available credit. Closing them can shorten history and reduce limits, lowering scores — unless an account has unjustifiable fees.

No magic number, but 2–3 well‑managed cards typically demonstrate responsible use. Keep balances low, pay on time, and maintain a healthy mix.

Consider secured credit cards or credit‑builder loans designed to establish positive history. We’ll guide you toward reputable options as part of your plan.

Credit repair isn’t a scam, but there are bad actors. We follow CROA, provide transparency on costs/timelines/rights, and never make promises we can’t keep. We focus on compliance, advocacy, and trustworthy results.

Not automatically. It may update to “paid,” but the negative mark can remain for up to seven years. We may negotiate “pay‑for‑delete,” pursue validation, or request suppression depending on the case — review options before paying.

Not always. Lenders consider the entire profile, DTI, and payment history. Some programs require resolution; others do not. Even when payment is needed, settlement or validation strategies may help. We can guide you for mortgage approval readiness.

Negatives typically fall off after ~7 years, but waiting can be costly: higher rates, denials, and potential lawsuits or re‑sales to new collectors. Repairing now helps you control outcomes sooner.