HELP CENTER
Answers You Need
We launched Jay Credit Solutions because we get that life throws curveballs and the dream of owning a home never fades, even when obstacles arise. With over 12 years in the lending game, we've seen firsthand how many families need a credit boost before taking the homeownership plunge. Often, during the application process, things move swiftly, leaving those with lower credit scores behind. That's where Jay Credit Solutions steps in—we're here for everyone looking to improve their credit en route to homeownership dreams.
If your credit score falls between 550 to 620, our Home Package is tailored for you. If your credit is below 550, new, inactive, or frozen, our Starter Package empowers you to take control of your credit journey at your own pace. From there, it's up to you how much support you want from us.
Unlike the sketchy reputation of traditional credit repair services, we're all about helping you achieve your goals. Our packages include step-by-step setup instructions, personalized budget reviews, Zoom calls, accountability, and more—so you can tailor your journey to suit your needs.
HOW CAN I IMPROVE MY CREDIT SCORE?
If you chose the starter package you will start to monitor your credit and then once you have a feel for what is on your credit report you will then sign up and start to dispute your own accounts.
Remember that improving your credit takes time and patience, but by consistently following these steps and practicing responsible financial habits, you can gradually improve your credit score.
1. Make Timely Payments
2. Build a Positive Credit History
3. Reduce Credit Card Balances
WHERE CAN I FIND MY CREDIT REPORTS?
Start by obtaining a copy of your credit report from each of the major credit bureaus (Equifax, Experian, and TransUnion). Review the reports for errors or inaccuracies that could be negatively impacting your score.
HOW LONG DOES IT TAKE TO REPAIR MY CREDIT?
The time it takes to repair your credit can vary depending on several factors, including the severity of your credit issues and the strategies you implement to address them. In general, it's important to understand that repairing credit is not an overnight process, and it typically takes several months to see significant improvements.
Minor credit issues, such as a few late payments or small credit card balances, may be resolved relatively quickly