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Services
Qualify
Results
About
Get Started

Real Results

Every credit profile is different, but results speak for themselves.

Real Client Progress

These are real client score updates and active file progress snapshots. Results vary by profile, reporting timelines, utilization, and the items being challenged.

Verified Results

These are real results from previously completed or older client files. Individual results will always vary based on each client’s credit profile and financial behavior.

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Please note: It is normal for scores to fluctuate during early rounds while accounts are being updated, disputed, and re-evaluated.

Tired of Getting Denied?

If you’ve been turned down for an apartment, car, credit card, or funding, your credit profile may be holding you back.

High balances lower your score
Late payments and collections stay longer than they should
One wrong move can cost you approvals

We help fix that — the right way.

What We Do

We don’t just dispute, we help you build a stronger, more fundable profile.

More Than Disputes
We help rebuild your profile
Positioned for Approvals
Not just score increases
1
Review your full credit report
2
Dispute inaccurate and negative items
3
Strengthen your credit profile
4
Guide you step-by-step through the process
5
Position you for higher limits, approvals, and funding opportunities

Our Services

Transparent pricing. Real strategy. No empty promises.

Basic Credit Repair

$500
$350
For clients who need help disputing inaccurate negative items and cleaning up their credit profile.
Full credit report breakdown & strategy
Removal of negative / inaccurate items (late payments, collections, charge-offs, repos, etc.)
Ongoing dispute management
Monthly progress tracking
Get Started
Best for Funding & Approvals

Premium Credit Repair + Profile Structuring

$700
$500
For clients who want credit repair plus guidance on how to structure their profile for stronger approval odds and better funding opportunities.
Everything included in Basic Credit Repair
We remove negative items affecting your credit (late payments, collections, charge-offs, repos, etc.)
Build and structure your credit profile for stronger approval odds
Utilization and account setup for better scoring
Position your profile for higher-quality approvals
Designed to prepare you for future funding opportunities
Get Started

Couples Credit Repair

$700
Designed for couples who want to improve their credit profiles together. This includes credit repair and profile guidance for both individuals, helping you work toward stronger approvals, better financial opportunities, and shared goals such as moving, buying a home, or qualifying for higher limits.
Full credit repair service for both individuals
We remove negative items affecting your credit (late payments, collections, charge-offs, repos, etc.)
Credit profile structuring for approvals and higher limits
Shared strategy for goals (home, car, funding, etc.
Ongoing guidance to strengthen both profiles together
Get Started

Mentorship Program

$5000
This program is designed for individuals who want to start and scale their own credit repair business with a proven, structured system.
Step-by-step guidance to launch your own credit repair business
We help you build a fully automated done-for-you credit repair business from the ground up
Full setup of your services, pricing, and client workflow
Business + personal funding blueprint
A dedicated assistant (VA) to handle client work and operations
A structured, automated system designed so you can focus on getting clients and scaling
Start My Mentorship

Business Funding

Access to 0% APR business credit cards (where applicable)
Access to liquid cash funding options (rates may vary)
Liquid cash funding available in as little as 5–7 business days
High-limit funding opportunities based on your business profile

Personal Funding

Access to 0% APR personal credit cards (where applicable)
Access to liquid cash funding options (rates may vary)
Liquid cash funding available in as little as 5–7 business days
High-limit funding opportunities based on your personal profile
Most clients choose our premium option to not only repair their credit, but position themselves for approvals and funding.

Book Your Consultation

Fill out a quick form and we’ll review your credit profile to see the best path forward for your goals.

Get Started
Thank you - your information has been received. We'll review your profile and reach out shortly
with the best next steps based on your goals
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Why Choose Us

At Jay Finesse Credit, we focus on real results, not false promises.

We understand how frustrating it is to feel stuck, overlooked, or denied because of your credit profile. Our goal is to help clients challenge inaccurate negative items, strengthen their profile, and move more strategically toward approvals and funding.

We don’t believe in hype. We believe in structure, consistency, and measurable progress.

FCRA Compliant
Every dispute, every step
1200+ clients
Transformed credit profiles

Frequently Asked Questions

Everything you need to know before getting started

Do I need a consultation?

How long does it take to see results?

What items can you remove?

How can I improve my credit faster?

Where can I view my credit reports? Is there a cost?

How long does it take to fix my credit?

How do I get started?

Ready to Get Started?

Take the first step toward better credit and better opportunities.

Fix My Credit Now
Disclaimer

Legacy Wealth Holdings LLC provides credit repair and financial consulting services.

We do not guarantee specific credit score increases or the removal of negative items from your credit report. Results vary depending on each individual’s credit history, level of participation, and external factors beyond our control.

Any money-back guarantee applies solely to satisfaction with our services and does not guarantee specific credit outcomes.

All services are subject to the terms outlined in our Terms of Service, Privacy Policy, and Refund & Cancellation Policy.

Clients are responsible for providing accurate information and actively participating in the service process.

Results vary. We do not guarantee specific score increases or outcomes.By enrolling, you agree to our terms, privacy policy, and service conditions.

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Operated by Legacy Wealth Holdings LLC

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