Repair your credit.
Build your business credit.
Change your financial life.

If you're searching for credit repair in Miami, you're not alone. Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any information on your credit report that is inaccurate, erroneous, false, or obsolete.

What Can Be Disputed?

• Late payments reported incorrectly
• Collections and charge-offs that are inaccurate or unverifiable
• Duplicate accounts reported by multiple creditors
• Fraudulent accounts opened without consent
• Hard inquiries made without authorization
• Outdated negative items older than 7–10 years

How Credit Repair Works at JDP

We begin with a free consultation, then conduct a thorough credit audit of all three bureaus, create a dispute plan, prepare correspondence, and guide you through every bureau response. Throughout the process, you receive credit education for long-term habits.

Credit Repair Laws

The CROA requires written contracts, a three-day cancellation right, and prohibits charging before services are performed. JDP operates in full compliance with CROA, FCRA, and all consumer protection laws.

Business credit is separate from personal credit and is used by lenders, vendors, and investors to evaluate your company.

Why Business Credit Matters

• Qualify for business loans and SBA funding
• Access net-30 vendor accounts
• Secure higher limits and lower rates
• Protect personal credit from business debt

Building Business Credit Step by Step

• Step 1: Establish business identity (EIN, LLC/Corp)
• Step 2: Open a dedicated business bank account
• Step 3: Register with Dun & Bradstreet (DUNS number)
• Step 4: Open starter vendor/trade accounts
• Step 5: Apply for business credit cards
• Step 6: Layer in bank credit as your profile matures

A credit audit is a comprehensive review of your reports from all three bureaus. Studies suggest approximately 1 in 5 Americans has an error on at least one report.

What a Credit Audit Reviews

• Payment history accuracy
• Account balances and limits
• Negative items (collections, charge-offs)
• Hard inquiries
• Public records
• Personal information errors

We recommend a credit audit at least once per year, and immediately before any major financial decision.

JDP's finance consulting service provides personalized budget planning, debt reduction strategies, and savings plans aligned with your goals.

What It Covers

• Budget creation and expense tracking
• Debt reduction planning (avalanche vs. snowball)
• Emergency fund building
• Savings plan for specific goals
• Cash flow optimization
• Accountability coaching

Finance consulting is included in the Annual Plan ($895/yr) and Business Credit package ($1,500).

JDP's credit education program teaches you exactly how credit scores work so your gains become permanent.

The 5 Score Factors

• Payment History (35%) — one late payment can drop 50–100 points
• Credit Utilization (30%) — keep below 30%, ideally under 10%
• Length of History (15%) — don't close old cards
• Credit Mix (10%) — revolving + installment
• New Inquiries (10%) — each hard inquiry: 5–10 point drop

Credit-Building Strategies

• Becoming an authorized user on a long-standing account
• Opening a secured credit card
• Using a credit-builder loan
• Setting up autopay for minimums
• Requesting credit limit increases