Most files see initial bureau responses within 30–45 days, with the first removals typically landing inside 60–90 days.

Entirely. The Fair Credit Reporting Act gives every consumer the right to dispute inaccurate, outdated, or unverifiable items. JS Holdings exercises that right with discipline on your behalf.

Late payments, collections, charge-offs, repossessions, bankruptcies, foreclosures, hard inquiries, and identity theft items — when they cannot be properly verified.

Yes. There are no contracts. Pause or cancel with 24 hours notice — no fees, no friction.

No. Disputing items is a federal right and never lowers your score. Most clients see immediate improvement.

Most clients with a properly positioned file qualify for $50K–$250K in business credit and funding lines. Johan structures the strategy specific to your profile, revenue, and goal.

No. We can help you structure a fundable entity from scratch, or strengthen an existing one. Both paths are walked one-on-one with Johan.

Because the standard does not scale. Johan personally oversees each file. The ledger stays small by design.