Credit restoration for borrowers

Get your credit ready for the loan you want.

Whether you are aiming for a home, a car, a personal loan or capital for your business, we review your credit reports, challenge what is inaccurate and build a plan to get you lender-ready.

Book a free consultation See your loan goal
Your target

Pick the loan. See what lenders tend to look for.

Credit scores run from 300 to 850. Each loan type has a score range lenders commonly look for. Choose your goal to see where it sits and what we focus on.

What lenders look at

    What we work on with you

      Score bands follow the FICO range. The marker shows a commonly cited minimum for the loan type, not a rule. Every lender and loan program sets its own requirements, and your approval and rate also depend on income, debt, down payment and other factors.

      What we help you apply for

      One credit plan, four kinds of loan.

      Each loan asks lenders to weigh your file differently. We shape the plan around the one you are applying for.

      Mortgage

      Credit repair and file preparation for buyers going conventional, FHA or other programs. We help you present a clean, consistent profile to your loan officer.

      Car loan

      Move from high-interest dealer financing toward better terms. We target the items that push auto rates up and help you compare offers with confidence.

      Personal loan

      For consolidation, repairs or life events. We lower the factors that raise your rate and show you how to apply without piling on avoidable inquiries.

      Business loan

      Lenders often review the owner's personal credit alongside the business. We clean up your personal file and help you organize what a business lender will ask for.

      35%Payment history
      What moves your score

      Five factors. We work on all of them.

      These are the weights FICO publishes for its general scoring model. Hover or tap a factor to see its share.

        How it works

        Five steps, in order.

        1. Free consultation

          Tell us which loan you want and when you plan to apply. We explain the process and your rights before you commit to anything.

        2. Credit report review

          We go line by line through your reports from all three bureaus and flag errors, duplicates, outdated items and accounts that do not belong to you.

        3. Written plan

          You get a clear plan: which items to dispute, which balances to address first, and a realistic timeline tied to your loan date.

        4. Disputes and follow-up

          We prepare and send disputes to the bureaus and creditors, track every response and follow up on anything left unresolved.

        5. Loan-ready coaching

          Before you apply, we review your updated reports, advise on timing and help you choose lenders so you apply when your file is strongest.

        Straight answers

        What credit restoration can and cannot do.

        What we do

        • Dispute inaccurate, incomplete or unverifiable items.
        • Explain exactly what is dragging your score down.
        • Build a payment and utilization plan you can follow.
        • Time your application and keep you informed throughout.

        What we will never do

        • Guarantee a score or a loan approval.
        • Remove accurate, timely negative information.
        • Charge you before services are performed.
        • Advise you to create a new credit identity.
        Questions

        Before you reach out.

        How long does credit restoration take?

        It depends on your reports. Bureaus generally have about 30 days to investigate a dispute, and most files need more than one round. We map the timeline to your loan date at the consultation, so start early if you plan to apply soon.

        Can I dispute errors on my own?

        Yes. Federal law lets you dispute errors with the credit bureaus yourself at no cost. We handle the paperwork, tracking and follow-up for you and add guidance on the loan itself.

        Will you guarantee my loan will be approved?

        No, and be cautious of anyone who does. Lenders make their own decisions based on credit, income, debts, assets and the loan program. Our job is to make your credit file as accurate and strong as it can be.

        Do I pay anything up front?

        The consultation is free. Under federal rules, a credit repair company may not charge for its services until they have been performed, and you have the right to cancel within three business days of signing. We give you a written contract that spells out services, cost and timing.

        I am self-employed. Can you still help with a business loan?

        Yes. We focus on your personal credit file and help you prepare for the questions a business lender will ask. Lenders will also review business financials, which we help you organize but do not produce.

        Free consultation

        Tell us what you are applying for.

        Fill in the form to prepare your enquiry, then copy it and send it to us. We reply with a time for your consultation.

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        JH Wealth Financial · Credit restoration and loan readiness

        JH Wealth Financial is a credit services organization, not a law firm, lender or broker, and does not make loans or guarantee approval. Results vary and no specific score increase is promised. Accurate negative information generally cannot be removed from your credit reports before it ages off. You have the right to dispute inaccurate information with the credit bureaus yourself at no cost, to receive a written contract before any services are performed, and to cancel within three business days. Score ranges shown are general guidance and not lender requirements.