About Us

Our Mission.

We have been helping people improve their credit, while providing them the education they need to prevent mishaps in the future. Our goal is to assist our clients in obtaining the best possible credit they can to enrich their lives. Whether you are looking for a home, a car, a better job, or want to hold your head high again, we can Help!

Who We Are

We work closely with Realtors, Loan officers, Car dealers and other industries to help their clients with improving their credit profiles. Credit is not something that is taught in school, but rather through the school of hard knocks. What many people do not realize is that the law is on their side when it comes to your credit profile. Creditors cannot just put anything about you on your credit without being able to verify and back up their claims.

Our mission is to hold the credit bureaus, creditors, and other furnishers of information accountable to the laws by removing the inaccurate, unverifiable, and obsolete information that may be holding you back from getting the financing you deserve! By the way- we are great at it!

We understand that everyone wants great credit, life gets in the way and can knock you down but the key is to get back up and continue pressing on. Bad credit is not something you have to just settle with and good credit is not something you have to dream about. Good credit is within your reach! Let us assist you in getting on with your life and let us help you attain your financial goals.

One thing we have realized over the years, many people put off repairing their credit until it is absolutely necessary or when they feel they have the need for it. The best time to repair your credit is when you do not need your credit so that it is ready for you when you do need it. An ancient Chinese proverb says:

History of Credit

• 

  2024

  Today, Just Credit Solutions helps clients assert their rights under the laws that govern the credit bureaus. The Fair Credit Reporting Act is just one of the laws used to challenge the inaccurate, erroneous, and outdated information. We use many laws designed to protect your rights, some of which are: The Fair and Accurate Credit Transactions Act, The Fair Debt Collection Practices Act, The Fair Credit Billing Act, Equal Credit Opportunity Act, Real Estate Settlement Procedures Act and many more. Credit repair is something you can do for yourself, but why spend your time studying and writing letters when we can do this for you?

• 

  1986

  The FICO Score was first introduced in 1989 by Fair Isaac and Company. Although the company had its start in the late 1950's and the first scoring system was introduced to companies in 1958, it was not until the late 1980's when the general purpose risk score came into play. Today, there are many different models of scores with FICO being the leader of lending decisions for the majority of the financial institutions in the United States.

• 

  1980

  Experian is the newcomer to the big three. CCN Systems was founded in England in 1980. They eventually expanded into the United States when they acquired TRW Information Systems in 1996. Today, Experian has a presence in over 36 countries.

• 

  1970

  The Fair Credit Reporting Act was initially passed into law in 1970 and has been amended many times since. It is a federal law designed to protect consumers while promoting accuracy and the privacy of consumer information regarding credit. The law dictates the type of information the bureaus can gather, how long they can report the information, and who they can sell the information to. The law gave teeth to the consumer and allows for the consumer to challenge the information on the report to correct any errors and misinformation reported about them.

• 

  1968

  TransUnion was the next of the big three to shape the credit industry. It was founded in 1968 as the holding company of Union Tank Car, a transportation company in the railroad industry. In 1969, they began acquiring regional and major city credit bureaus and now have over 250 offices throughout the U.S., and in 24 other countries.

• 

  1899

  Equifax got its start as the Retail Credit Company. The concept was formed by a grocer who compiled a list of customers he deemed credit-worthy and then sold the information to other business owners in the area. As demand for this information grew, so did the business. The company opened up many branches throughout North America. When the Fair Credit Reporting Act was passed, Retail Credit Company's image suffered and the company re-branded itself as Equifax.