Credit Fix JOE™ is a credit engineering company, not simply a dispute company. We create personalized strategies using bureau and creditor disputes, CFPB, FTC, and BBB escalations, debt negotiations, freezes, locks, and opt-outs. We also help clients build positive credit through authorized-user accounts and affordable secured cards, while Primerica professionals provide additional budgeting and financial guidance.

I was living on the streets at 16 and retired by 32, so I understand the struggles people face while trying to reach the next level. I first learned credit repair for myself, then spent years studying the system and mastering the process. Today, that experience is backed by a team of 37 experts managing every bureau, letter, dispute, and response for our clients.