IS YOUR CREDIT HOLDING YOU BACK FROM YOUR GOALS? 
Wherever you call home, the challenges of high living costs, credit card debt, student loans, and auto payments can take a toll on your credit score. That’s where.JD Consults steps in your trusted partner for improving, repairing, and rebuilding credit so you can move closer to financial freedom. 

California’s Trusted Credit Repair SPEACIALIST

1. No Cost To Start


​Get started at no cost. We’ll match your questionable credit report marks with the right vehicles to assist you along the way to for the credit you deserve.

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​2. The Dispute Process


​During this part of the credit repair process, we will work to prepare your account and begin the disputing process to ensure that we can correct any negative statements that are affecting your credit.
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3. Follow-Up & New Credit

After reviewing your file, we will repeat the process, follow up with credit reporting agencies and work with you to begin rebuilding and re-establishing your credit history by applying for new credit options.

Get Help Improving Your Credit

At JD Consults, we use a strategic and fully compliant credit repair process to:
  • Dispute outdated, incorrect, or duplicate items
  • Work with existing accounts to optimize credit utilization
  • Help you build positive credit history where needed
Our team leverages laws like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) to hold credit bureaus and collectors accountable. If the data can’t be verified or is being reported or collected improperly, it must be corrected or removed, helping your credit score rebound quickly!
Get a copy of your free credit report from all three bureaus at AnnualCreditReport.com it’s the official source and won’t hurt your score. For ongoing monitoring, scores, and alerts, we've partnered with Credit Hero Score which offers daily updates, identity protection, and easy tracking to stay on top of your credit. Sign up today for and stay ahead of errors, spot identity theft instantly, track your scores daily, and get personalized tips to boost your credit faster.
Understanding Credit

Understanding Credit

Credit is when you receive money, a good or a service, and you agree to pay for it in the future—usually with added interest. Nowadays, we use credit to buy lots of things, from houses and cars to groceries and clothing.

If you use it responsibly, credit can be a useful tool. But if you don’t, you’ll have to face some negative consequences that will make your life harder.

Your credit score is a 3-digit number on a scale of 300 to 850 that suggests how creditworthy you are—meaning, how good you are with credit and how much you can be trusted to pay back what you borrow. Potential lenders will use this number to decide what kinds of credit cards and loans to offer you. Generally, the higher the score, the better the offers.

There are a few different types of scores, but the two best-known are your FICO Score and your VantageScore. They’re calculated based on the information that shows up on your credit report.

Generally speaking, there are five tiers of credit score. A good credit score is anything above 670.

Anything below 670 is considered poor or only fair credit.

Your credit can be brought down a lot faster than it can be brought up, so it might help to review these things that can hurt your credit:

  • Not paying bills on time
  • Filing for bankruptcy or foreclosure
  • Applying for too many credit accounts
  • Carrying high balances on your credit cards
  • Ignoring questionable negative items on your report

There are five main contributors to your credit score–payment history, amount of debt, length of credit history, credit mix and new credit. Managing your credit wisely by paying your bills on time, paying debt down and maintaining your current accounts could improve your score.

Beyond these five factors, your credit could contain negative items that are unfair or inaccurate, which can stay on your reports for up to seven to 10 years. If you don't want to wait that long, you can try repairing your credit.