Credit Repair
We review your reports line by line and challenge items that are inaccurate, outdated, incomplete, or unverifiable with the bureaus and creditors.
- Full 3-bureau report analysis
- Dispute letters & follow-up
- Progress tracking each round
Phoenix-based · Serving clients everywhere
A clearer credit report. A calmer financial life.
JNRS LLC helps you challenge inaccurate credit items, organize your debt into one plan you can actually keep, and build the habits that move your score in the right direction — with honest, one-on-one guidance from owner Justin Reding.
- Free first consultation
- No obligation, no pressure
- Clear answers before any work begins
1:1
Work directly with the owner, not a call center
3
Bureaus reviewed — Equifax, Experian & TransUnion
100%
Remote — phone, text, video, or email
$0
To get started with a free consultation
What we do
Services built around your goals
Whether you're working toward a home, a car, a lower interest rate, or simply peace of mind, we'll build a plan that fits where you are today.
Debt Consolidation
Juggling multiple balances and due dates? We help you organize every debt and compare consolidation options so you can work toward one manageable payment.
- Complete debt inventory
- Side-by-side option comparison
- A realistic payoff timeline
Credit Coaching
Lasting results come from good habits. Get practical coaching on utilization, payment history, budgeting, and building positive credit.
- Budget & spending plan
- Credit-building strategy
- Goal planning for big purchases
How it works
Five simple steps, explained up front
No confusing jargon and no surprises. You'll always know what we're doing and why.
- 01
Free consultation
A relaxed conversation about your goals, concerns, and current situation.
- 02
Credit review
We go through your reports together and flag anything that looks wrong.
- 03
Your action plan
A personalized roadmap for disputes, debt, and credit building — with costs explained clearly.
- 04
Disputes & strategy
We handle the dispute process and help you put your debt plan into motion.
- 05
Ongoing support
Regular progress updates and coaching so you stay on track long term.
Meet the owner
Hi, I'm Justin Reding.
I started JNRS LLC because I believe everyone deserves a straight answer about their credit — and a real person in their corner while they fix it. Too many people are left feeling embarrassed or overwhelmed by debt and credit problems. They shouldn't be.
We're a remote company based in Phoenix, Arizona, which means you get personal, one-on-one service from wherever you are — by phone, text, video call, or email. I'll tell you honestly what can be done, what can't, and what it will take.
"My goal is simple: treat every client like family, keep you informed every step of the way, and help you build a financial future you feel good about."— Justin Reding, Owner
HonestNo promises we can't keep
TransparentCosts explained before work begins
PrivateYour information stays protected
Learning center
Know your credit, know your rights
A little knowledge goes a long way. Here's what goes into your score and the protections you have as a consumer.
What makes up a FICO® Score
Source: general FICO® scoring categories published by myFICO. Individual results vary.
You can dispute errors
Under the Fair Credit Reporting Act, you have the right to dispute inaccurate or incomplete information, and bureaus generally must investigate within about 30 days.
Free weekly reports
You can check your credit reports from all three bureaus for free at AnnualCreditReport.com — a great first step before your consultation.
Utilization matters
Keeping card balances low compared to your limits — many experts suggest under 30% — is one of the fastest ways to support a healthier score.
Consolidation isn't one-size-fits-all
Personal loans, balance transfers, and management plans each have trade-offs. The right choice depends on your rates, income, and goals.
Questions
Frequently asked
Don't see your question? Ask our live chat or reach out — we're happy to help.
Is credit repair legal?
Yes. You have the legal right to dispute inaccurate, incomplete, or unverifiable information on your credit reports. Credit repair services help you exercise that right in an organized, persistent way. You can always dispute on your own for free as well.
Can you guarantee my score will go up?
No honest company can guarantee specific results. Accurate, timely information generally can't be removed. What we can promise is a careful review, a clear plan, consistent follow-through, and honest communication.
How long does it take?
Every situation is different. Many clients begin seeing dispute responses within 30–45 days, and a full plan often spans several months. We'll give you a realistic picture during your consultation.
What does debt consolidation involve?
We list every debt you have, compare options like consolidation loans, balance transfers, or structured payoff plans, and help you choose the path that lowers stress and fits your budget.
Do I need to meet in person?
No. JNRS LLC is fully remote. We work with you by phone, text, video, and email — wherever you are.
What does it cost?
Your first consultation is free. After reviewing your situation, Justin will explain any costs clearly before any work begins, so you can decide with no pressure.
Get in touch
Let's talk about your next step
Book a free, no-pressure consultation. Send a message below, call or text, or start a live chat — we'll get back to you promptly.
- OwnerJustin Reding
- Phone / Text(623) 268-4379
- Emailjustinreding1982@yahoo.com
- Mailing address2650 W Union Hills Dr Lot 265
Phoenix, AZ 85027 - ServiceRemote — Phoenix & nationwide