Getting started is quick, secure, and risk free. You can request you Free Credit Audit (i.e., our credit audit service) 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, effectively a credit repair plan tailored for credit file correction. 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 including to verify inaccurate details, facilitating credit report cleanup and audit credit errors. 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 We look for inaccurate, unverifiable, outdated, or misleading information and explain your credit repair letters, credit dispute letters, and debt-validation options (including FDCPA debt validation). 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 dispute letters, debt verification requests, or FDCPA debt validation letters 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 or duplicate credit repair letters, 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 being charged.

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. We look for chances to send credit dispute letters, credit repair letters, debt verification requests, and collection notice responses to challenge erroneous entries. You’ll get a clear, written analysis (part of our credit audit service) 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 — sending credit repair letters and credit dispute letters in each cycle, and you can track everything in your secure portal as part of your credit file correction journey. Our team of credit dispute experts and financial recovery support staff coordinate to maximize positive outcomes.

Disputing targets inaccurate or unverifiable information with the credit bureaus using credit dispute letters, while validating a debt forces a debt collector to prove they have the legal right to collect, via FDCPA debt validation or debt verification requests. If they can’t, the account may need to be updated or removed from your report. We use both tools strategically based on what makes sense for each item as part of a fully compliant and CROA compliant service.

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.” Our credit repair plan is structured to balance volume and effectiveness while ensuring credit file correction.

Primarily physical, trackable letters (like traditional credit dispute letters and credit repair 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. This approach aligns with our CROA compliant services and leverages the strengths of our credit dispute experts.

Yes. Every dispute or validation letter, including credit repair letters, debt validation, debt verification requests, and collection notice responses, 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, debt verification requests, and validation requests to creditors and collectors as well as to the credit bureaus, ensuring your financial recovery support is thorough.

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. Even after validation, we continue to provide financial recovery support to help protect your credit and support ongoing credit file correction.

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 credit repair letters, credit dispute letters, and debt verification requests (and collection notice responses, if relevant). 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 or debt verification request within the 30-day response window, and challenge the account with credit bureaus to maximize removal chances through credit dispute letters, all part of your credit repair plan and our financial recovery support. 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. Our use of credit repair letters, credit dispute letters, debt validation, and collection notice responses is fully compliant. We’re bonded as required in North Carolina and act to protect your rights. Our CROA compliant services ensure everything is above board.

FCRA gives you the right to dispute inaccurate/unverifiable info on your credit report using credit dispute letters.
FDCPA regulates debt collectors and enables you to demand debt validation or debt verification requests within 30 days of a notice, and to enforce your credit reporting rights.
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. Our credit repair plan is built around best practices and protections under CROA, FCRA, and FDCPA. That’s part of our CROA compliant services and the foundation for offering financial recovery support.

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. We do credit report cleanup carefully and legally, focused on credit file correction.

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 as part of your credit repair plan, while ensuring we remain CROA compliant.

Tradeline suppression is when a creditor voluntarily removes or stops reporting a negative account after it’s resolved or closed. 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, another way to support credit file correction and credit report cleanup.

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 as part of your credit repair plan using credit dispute letters, helping protect your credit reporting rights.

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, and so your financial recovery support is safe and effective.

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. This is part of our CROA compliant services.

The Credit Dispute & Repair Plan includes a full credit audit service, customized bureau disputes (via credit dispute letters), validation for collections already reporting (via FDCPA debt validation), dispute cycles every 35–45 days, ongoing portal access, and dedicated email support. We focus on credit file correction, challenging errors, and helping enforce your credit reporting rights. Our team of credit dispute experts delivers financial recovery support at every step. 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 debt validation or debt verification request within the 30-day response window, track bureau reporting, document all collector responses, and map out next steps. All of this is part of our financial recovery support and respects your credit reporting rights. 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. This helps you maintain credit report cleanup long term and gives ongoing financial recovery support.

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 help with credit file correction and credit report cleanup.

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 credit repair plan. Included in Premium; available to Core if disputes/validations are exhausted. This education is part of our financial recovery support.

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, helping you with long-term financial recovery support and enforcing your credit reporting rights.

Focus on: maintaining positive accounts (on-time payments), building new credit wisely (secured cards/credit-builder loans if thin), monitoring regularly, protecting your progress (keep utilization low, avoid unnecessary inquiries). We offer ongoing monitoring to catch new issues early and support credit report cleanup and credit file correction through continuous financial recovery support.

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, through credit repair letters, credit dispute letters, and debt validation. Results depend on your profile and responses from bureaus and furnishers. Our mission is to provide trustworthy financial recovery support via our CROA compliant services.

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. This is part of our credit repair plan and ongoing credit file correction process.

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. Our credit dispute experts work with you every step to maximize improvement.

If no inaccurate, unverifiable, or outdated info is removed after dispute cycles, we’ll provide a detailed improvement plan (a credit repair 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 through more credit dispute letters, debt verification requests, or collection notice responses. Keep monitoring active to spot changes quickly with our credit audit service.

• 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, part of ongoing financial recovery support and credit file correction.

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, sustaining your credit repair plan, continuing credit audit service, and auditing credit errors as needed.

• Credit Dispute & Repair Plan (including credit dispute letters, credit repair letters, and debt validation): $149 setup + $149/month
• Collection Defense Plan (including FDCPA debt validation, debt verification requests, and collection notice responses): $149 setup + $149/month
• Credit Health Monitoring Plan: $29.99/month

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 (so our financial recovery support aligns with your best interests).

The monthly fee covers all dispute cycles, validation letters, updates, and support while you're active. The success fee is only applied when a debt is invalidated, aligning our incentive with your financial recovery support and credit file correction.

Yes, the Aftercare Program is $29.99/mo for credit monitoring, alerts, and priority access. If something new appears requiring a full plan, your startup fee is waived, helping you maintain credit report cleanup, ongoing credit file correction, and credit reporting rights.

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 the 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. Credit report cleanup and credit file correction start with auditing your report and using credit dispute letters to fix what’s wrong.

Experian, Equifax, and TransUnion. We review and address each bureau individually as part of your credit repair plan and our credit audit service.

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 or validate using credit dispute letters, credit repair letters, and FDCPA debt validation, enforcing your credit reporting rights.

No. Disputing or validating itself doesn’t harm your score. Removing inaccurate negatives often helps. Temporary impacts typically come from opening new accounts — we guide you carefully as part of your credit repair plan and financial recovery support.

Up to two years, but their impact generally fades after 12 months. Unauthorized or 2-year-old inquiries can be challenged. We may use credit dispute letters or other tools to address them as part of credit file correction.

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 for credit report cleanup and credit file correction.

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 generate negative “marks.” Only accounts, inquiries, and payment history appear.

Yes. We dispute or validate these types of accounts just like any other. Medical collections often contain errors; student loans can report incorrectly after transfers; repossessions must be reported precisely. We review each during your audit and use credit repair letters, credit dispute letters, or debt verification requests as needed, all part of our credit audit service and credit file correction strategy.

If removed for inaccuracy, unverifiability, or outdated status, they shouldn’t return unless documentation later proves accuracy. If they reappear, we challenge again using more credit dispute letters, debt verification requests, or collection notice responses. We maintain monitoring so you can continue credit report cleanup.

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 debt validation or debt verification request during that window to prevent improper reporting — and respond with a strong collection notice response. If it’s already reporting, we dispute there too, as part of your credit repair plan.

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. We use FDCPA debt validation, debt verification requests, and sometimes collection notice responses to enforce this right, a critical part of our financial recovery support.

When a collector cannot provide required documentation after challenge. The debt cannot be legally enforced and often must be removed from your reports, part of our credit repair plan and broader credit file correction strategy.

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. That’s a major win for credit report cleanup.

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 using credit dispute letters, debt verification requests, or other tools, part of our credit audit service and financial recovery support.

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, using credit repair letters, credit dispute letters, and debt validation, all in support of your credit file correction and financial recovery support.

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 it for enforcement and send debt validation, debt verification requests, or collection notice responses as part of our CROA compliant services.

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, we’ll use debt validation, debt verification requests, or dispute tools as needed to support your financial recovery. 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 also pursue suppression requests (offered in Premium) if the account has been resolved, part of a robust credit repair plan and credit file correction strategy.

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. Ongoing credit report cleanup, credit file correction, and financial recovery support help you maintain progress.

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, part of your long-term credit repair plan and financial recovery support.

Credit is dynamic. Monitoring alerts you to changes instantly so new negatives can be addressed right away. Many clients continue monitoring because prevention (ongoing credit report cleanup) is easier than fixing later, and because we can continue to support credit file correction.

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. This supports overall financial recovery support and ongoing enforcement of your credit reporting rights.

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. Part of your credit repair plan includes guidance around managing open accounts for effective credit file correction.

No magic number, but 2–3 well-managed cards typically demonstrate responsible use. Keep balances low, pay on time, and maintain a healthy mix, part of a balanced credit repair plan supported by our financial recovery support.

Consider secured credit cards or credit-builder loans designed to establish positive history. We’ll guide you toward reputable options as part of your credit repair plan and continued financial recovery support, all within our CROA compliant services.

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, using credit repair letters, credit dispute letters, debt validation, and collection notice responses to support you. Our credit dispute experts and financial recovery support team make sure you understand your credit reporting rights.

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 debt validation, or request suppression depending on the case, review options before paying, as part of your credit repair plan and credit file correction.

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 (via credit dispute letters or debt validation) may help. We can guide you for mortgage approval readiness, tying into your long-term financial recovery support.

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 — through a credit repair plan, credit audit service, and ongoing credit report cleanup.