1. Can I repair my own credit instead of paying your company to do it for me?
We compare it to representing yourself in a court of law. You can do it, but it would not be wise.

We know how credit agencies work. Our experience and knowledge of credit help us get fair result for our clients.

2. Are there any guarantees that my credit score will improve?
Although we cannot guarantee your credit score will improve, we will do everything we can to fight the credit agencies and clean up your credit report. In almost every case, negative items are removed from clients’ credit reports, and credit scores increased on average 50 to 100 points.

3. How long will the process take?

Most clients see positive results in 3 to 4 months.

4. How much will it cost?

Credit Justice Services is the only company in America that charges per negative trade line. This means that you are paying for results. While all the other credit repair companies charge a monthly fee and keep you in the program for over a year, CJS finishes your file within four months, and with better results. For each negative trade line you wish to dispute, we provide four rounds of detailed letters to the credit bureaus and one round to the original creditor. We charge only for real work that we do on your behalf.  We have nothing to gain by extending your time with us because we don’t charge monthly fees like the other companies do. Our goal is the same as yours — to get results fast.  For more information contact your local Certified Credit Consultant to obtain a FREE Estimate.

5. What does my credit score mean?

There are three main credit bureaus: Experian, Equifax, and Trans Union. With a tri-merge credit report — a report containing a score from all three major bureaus — most lenders look at the mid score.

Experian 720

Equifax 657

Trans Union 717

In this case, 717 would be the mid score.

These scores represent a composite of the borrower’s credit history, employment, ability to save, and so on. The higher your score, the better chance you have of receiving credit with a low interest rate.


GOOD 729-680

FAIR 679-620

POOR 619-500

NO FEDERAL FUNDING 500 and below

6. How does my credit score affect my interest rates?

For a $216,000 30-year fixed rate mortgage:
If your FICO score is: Your interest rate is: …and your monthly payment is

780-850 6.2% $1,323
100-759 6.42% $1,354
680-699 6.6% $1,380
660-679 6.81% $1,410
640-659 7.24% $1,473
620-639 7.79% $1,553

When lenders review one’s credit score, it’s reviewed by an underwriter. The underwriter and credit scores are assessed and rated by the following criteria:

7. Lifestyle History
If you’ve been thinking about filing bankruptcy so you can get a fresh start with your credit, don’t delay. On April 25, 2005, President Bush signed into law a new version of the bankruptcy laws. These new laws have stricter rules about filing Chapter 7 bankruptcy. READ MORE…

8. What is negative credit?
Negative credit is when you do not live up to your contractual obligations, due to, for example…

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