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Clients Before and After
Before
After
reviews
Patrick W.
I went from getting denied everywhere to driving off the lot in my new car. These guys made it simple.
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Susan S.
In just a few months, my score jumped over 100 points. I finally got approved for my first home loan!!!
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Jack M.
I was embarrassed by my credit for years... Now im proud to say im finally in control!
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Tasha B.
I didnt think credit repair worked, then my score went up 92 points in 60 days
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Eric W.
They explained everything, handled the disputes, and I finally got approved for a credit card again
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Janelle K.
I used to avoid checking my credit just like my bank account 😭 Now I watch it climb every month and im so happy
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FAQ
How is your credit repair different from others?
We use Metro2 compliance, a legal and structured reporting standard used by credit bureaus. This method allows us to challenge inaccurate or unverifiable data effectively — and often faster than traditional dispute methods.
Is credit repair legal?
Yes — under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any inaccurate, outdated, or unverifiable information on your credit report. We operate fully within the law and follow all compliance guidelines.
How soon can I see results?
Some clients may see results in as little as 30–45 days, but every case is different. Credit repair is a process, not an overnight fix — though our Metro2 strategy often speeds things up compared to traditional methods.
What does your service include?
We provide a full credit analysis, unlimited monthly Metro2 disputes, a secure client portal, credit monitoring setup, and personalized credit coaching to help rebuild your score the right way.
Will this help me get a car or home?
Absolutely. Many of our clients come to us after being denied for auto loans or mortgages. By improving your credit score and profile, we help make those approvals much more likely.
Stop Being A Victim
of Denials.
Bad credit doesn’t just stop you from getting approved for an apartment — it can also lead to:
❌ Apartment Denials
❌ Car Loan Rejections
❌ High Insurance Rates
❌ Credit Card Declines
❌ Missed Job Opportunities
Bad credit isn’t just about numbers; it’s about missed opportunities and added stress. Repairing it on your own can be overwhelming. Our experts know how to tackle the tough credit challenges, so you can focus on rebuilding your life. Let us help you turn your denials into approvals!
No Strings Attached ($199 Value)
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We Are Not Your Average Credit Repair Company
Turn Your Denials into Approvals
This client got approved
for an apartment in 6 months
after being denied
Real People. Real Results. Real Reviews.
Milton W.
Customer
124 point increase in under 3 months!!! Amazing service, started working before I even paid the fee. Also he kept in contact with me the whole way.
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Samantha D.
Local Guide
JT and his people are on point. any body that needs credit help.definitely get there help. Highly recommend
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Jerry M.
Long Time Customer
JT and the New Beginnings team are GREAT!!!! Very knowledgeable and trustworthy.
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Colene W.
Long Time Customer
This has been the best credit repair I have every had, and there has been ALOT. This company is the ONLY one that has communicate, ensure I was always notified, supportive, and ensure that I understand the next step in the process. It beautiful knowing that you have a strong support credit team. It’s a new type of love ❤️
These clients also sent us these screenshots of their results
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Try out our auto loan calculator
See how a bad credit score can cost you more in the long term
Loan Amount?
Your Estimated Monthly Amount
$54,824
Total Interest Paid:
Total:
Interest Rate?
Loan Term Length?
What you get when you sign up
Your own private secure portal
Informational credit tips & tricks emails
Progress review every month
Assistants that will answer your question
Flexible payment options at anytime
Your OWN App
Before you schedule an appointment...
Complete required steps
Want to improve your credit? We can help! 🙌 But first, you’ll need to sign up for Smartcredit using our exclusive link.
Why do I need this? And why your link? <--
Why do I need it?:
It’s the only way we can access and analyze your credit report to see if you need our expert credit repair services! Signing up helps us find areas for improvement and start fixing your credit right away.
Why your link?
✅ Only $4.99 for the first month instead of $19.99!
👉 Click the link below to get started
Be ready at the scheduled time
Be sure that you can make it at the scheduled time, if you can't then let us know and we'll re-schedule.
During the appointment...
One-on-one report overview
While on the phone, JT will go over your report with you and help you understand what's going on
Understanding the process
After you understand what your credit report shows, he'll go over how we attack the bureaus
How much is it gonna cost?
Once we've gone over your report with you, we will give you your pricing. Our payments are flexible so we offer weekly, bi-weekly and monthly payments.
After the appointment...
Required documents
After the appointment, you will be required to send us your ID, SSN, and a Utility Bill.
That is sensitive information... why do I need to send you this? <--
Why my SSN, ID and Utility Bill?:
• We need your SSN or W2 to verify your identity and ensure that credit disputes are tied to the correct accounts.
• Your ID and SSN help us work with credit bureaus to update your report accurately such as but not limited to: DOB, First and Last name, SSN to verify we have the right account as there can be more than one John Doe, and more.
• Your Utility bill is required if your ID address id different from where you receive your mail. This is because you will be getting a lot of mail from the bureaus and data furnishers.
• Your information is always securely protected and you'll only upload your documents through an encrypted messaging platform.
Ok, how can I see if you're legit then?
✅ It's FREE to have a consult
⭐ Plenty of 5 star reviews across many platforms
👉 Click the button below to get your FREE consult and see why you need our services
Get your own secure app & portal
After you send documents, one of our team members will build out your portal and app for you. After they do, you will receive a text from them with an email sent to your inbox with the email you provided us including the download link as well as your email & password to log in. You may also download the app manually without the email by clicking here --> Get App Now
Sign documents & add billing
Once in your portal you will be required to sign the required documents, as well as add billing.
Ready to go!
After you have completed all required steps, you're now ready to get going! A member from our team will get your letters sent out asap.
What now?
Just trust the process! Credit repair can take a while, and not every report is the same. It's like a fingerprint, not everybody has the same one. We'll list below some things you can do while getting your credit fixed...
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