Repair your
credit.
Unlock
real capital.
A founder-led firm built for serious men. We restore your personal credit and engineer the business funding to move on what matters homes, ventures, leverage. No call centers. No templates. Guaranteed.
Repair the file.
Release the capital.
One disciplined four-step system that restores your personal credit and positions you for real business funding. Transparent. Measurable. Founder-led.
The problem
stops
here.
Bad credit costs more than money it costs opportunity. Here's exactly what
we fix and how it changes your life.
Credit restored, capital unlocked.
"We do not measure ourselves in clients served. We measure ourselves in lives quietly returned to their proper trajectory."
Johan Soto.
A man with a standard.
Johan Soto founded JS Holdings after watching too many capable men carry the quiet weight of a damaged file and walk away from real opportunities because no bank would back them. He studied credit law, dispute strategy, and business funding with the same rigor other men reserve for capital markets.
Today JS Holdings operates as a private practice in two disciplines: credit restoration and business funding. A deliberately small ledger of clients so each file receives the focus of a closed firm. No call centers. No automation. Only Johan and the standard he sets.
Your credit is your name in numbers. We protect both as if they were our own.
— Johan Soto, Founder
Three doors.
One standard.
One avoided high-interest year on a mortgage typically returns more than
three years of our highest tier. Fixed monthly. Cancel anytime.
$299
Good for clients with a few negative items and looking to start rebuilding their credit.
1–3 dispute rounds
Late payments
Collections
Charge-offs
Basic credit guidance
$449
Best for clients needing more dispute coverage and support.
1–5 dispute rounds
Late payments
Collections
Charge-offs
Basic credit guidance
Medical bills
Student loans
Hard inquiries
Monthly progress updates
$599
Good for clients with a few negative items and looking to start rebuilding their credit.
Ongoing dispute rounds while enrolled
Late payments
Collections
Charge-offs
Medical bills
Student loans
Hard inquiries
Repossessions
Bankruptcies
Priority support
Personalized credit strategy
✦ No credit check ✦ Cancel anytime ✦ Money-back guarantee ✦ Discretion assured
Worth knowing.
How quickly will I see results?
Most files see initial bureau responses within 30–45 days, with the first removals typically landing inside 60–90 days.
Is credit repair legal?
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.
What can be removed?
Late payments, collections, charge-offs, repossessions, bankruptcies, foreclosures, hard inquiries, and identity theft items — when they cannot be properly verified.
Can I cancel anytime?
Yes. There are no contracts. Pause or cancel with 24 hours notice — no fees, no friction.
Will this damage my score?
No. Disputing items is a federal right and never lowers your score. Most clients see immediate improvement.
How much business funding can I qualify for?
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.
Do I need an existing business to get funded?
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.
Why is the firm so small?
Because the standard does not scale. Johan personally oversees each file. The ledger stays small by design.
A private credit repair and business funding practice for serious men. Founded by Johan Soto.
"Your name is your standing."
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