941 Lehman Ave Ste 102 Bowling Green, KY 42101

As easy as 1, 2, 3!

Here’s how we can help you get there:

Credit Analysis & Consultation

We'll analyze and review your credit + history, then we'll make strategic recommendations for you to take action.

Disputing Items

We can help you dispute and remove items from your credit that may be holding you back from making a big purchase.

Support + Education

We'll start and continue providing resources to educate you on your credit. We'll always be available to answer any questions!

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HOW JOURNEY TO CREDIT ACCEPTANCE WORKS

We Make It A Simple
Process For You

We know finance in general can cause headaches, which is why we’ve made our process of working with you the easiest it’s ever been!

We'll do a full analysis of your credit.
We'll tell you exactly what to do and how to do it.
We'll give you access to our credit resources to continue improvement.
We'll always be a call, text or email away!

Choose your package

We make it affordable! Our plans are completely tailored to your individual needs. Whether it’s just for you or you and your partner needing help, we have plans to fit all needs and situations.

Individual Credit Repair Plan

The best plan for the individual looking for a change.

$129 $ 50
Monthly
  • UNLIMITED Inquiry Disputes/Removal
  • In Depth Credit Audit
  • 24/7 Client Portal Access
  • Access To Journey To Perfect Credit Private Facebook Group
  • and loads more!
All of our packages come with a 100% Money Back Guarantee. We cover your credit monitoring subscription.
SUMMER SPECIAL
Time To Start Your Journey To A Better Financial Future.

How we can help

Items We Can
Help You Remove

Dealing with all of these items can be stressful and time consuming, so we take care of that for you.

Collection Accounts

A collection status shows the creditor gave up trying to collect a payment from you, and either sold the account or leased to a 3rd party company to collect the debt.

Late Payments

Consumers often send a payment on time and late payments show up on credit reports because of clerical errors, mail delays or simply due to sheer incompetence.

Foreclosures

Foreclosures are extremely negative due to the fact they are high dollar amounts considering it is real estate.

Charge Offs

After 90 to 120 days of no payment, creditors will report your debt as uncollectible and sell your account to either a 3rd party debt collection agency, or lease the debt to a company to try to collect. A creditor might send your account to collections before or after charging it off.

Reposessions

If you are late paying on a car or boat, or any vehicle for that matter; it can get ugly. The creditor will usually sell the vehicle at auction for a fraction of what is owed, then sell the balance to a collection agency. You are left owing the deficiency balance.

Student Loans & more.

There are many more different types of accounts that can negatively impact your score, but we are here to help you throughout the process!

What people are saying

Let us show off a bit..

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"I have been a client for just a little over a month and couldn't be happier! Amanda and her team are very professional and quick to respond. They have a way of making you feel comfortable, no judgement and answer any and all questions that you have in the process. I have already seen a small increase in my score, but anxious to see what the future holds! Did I mention that they do all the work for you?! If you are questioning yourself and wondering if you should take the step to fix your credit….DO IT!!! Its so worth it I promise!!"
-Lindsey Johnson

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"In one month with only a couple letters my score has gone up more than 20 points! In one month!! I love that I literally don’t have to do anything, she takes care of everything and makes it simple fore me to see progress! Worth every penny!"
-Cameron Banks

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"Totally worth it! They have a great line of communication throughout the entire process. My score increased 12 points in just 30 days. May be small, but it’s more then I’ve been able to achieve alone in over a year. Highly recommend!"
-Autumn Kuhns

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"Amanda is an extremely talented liaison between the every day person and the credit bureaus. Very knowledgeable, understanding, honest and upfront during our consultation call, which is why I signed up. You can sense the passion she has for helping people immediately, A+. Five stars. Thank you for taking me on as a client!"
-Stephen Fox

Here's what you might be wondering

Frequently Asked Questions

Great question. Unlike most companies that only dispute two or three items per month, we challenge every piece of negatively reporting information every month, which results in a much shorter total program time for our clients. However, please always keep in mind that credit repair is a process, and that process takes time and patience as well as maximum effort. Most of out clients will see some changes on their credit report within the first 45 days or so, and then they see more results following each cycle that we send. However, there have been a few clients who had very few changes for 4 or 5 months, and then all of the sudden there was a landslide of removals, deletions and updates. Patience and persistence is the key to successful credit repair. Even for the most stubborn negative accounts that took many, many rounds, there has rarely been an account that could not be removed with enough attacks and enough patience. We call this the TMF (Too Much Factor), where over time our challenges cost the bureaus too much money and too much time and we have presented too much evidence, and they will eventually remove the challenged account. But we need your patience in order to reach this point on the most stubborn items. Our advice: Don’t Quit! You will be successful in the long run.

Credit repair is 100% legal! Laws such as the FCRA and the FDCPA give you the right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

Great question! Journey To Credit Acceptance helps clients attack their credit damage by challenging inaccurate, untimely, misleading, biased, incomplete, or unverifiable negative items from their credit reports. We also challenge the report-ability of the account by contesting that the requisite standards of METRO2 compliance are not being adhered to. This strategy is effective not only on accounts with inaccurate information, but also accounts where the information is factual, but the METRO2 compliance is deficient. That’s why Journey To Credit Acceptance is ranked as the best credit repair company in Kentucky according to multiple customer rankings and financial publications.

Every 30-45 days, at the end of a challenge cycle, we will pull your updated credit report and update your Secure Client Portal with the results. We will also send you an email with all the significant updates, as well as insight as to why your scores changed. These might include pointing out that a credit card balance increased significantly, and advice on what you can do to help us help you.

This is totally normal. Depending on the balance of negative and positive accounts, it may take a while to remove enough negative items and add enough positive information to really shift the balance and see that reflected in your score. That doesn’t mean nothing is happening, though. Every reported negativity we remove strengthens your overall credit profile and makes you more attractive to lenders and credit card companies, which is the goal. Here’s a secret though: Your score doesn’t really matter. What matters is the overall makeup of your credit profile. We know PLENTY of people whose scores can be above 725, yet because of their overall profile no one will finance them a dime. But, even if you have a lower score but your overall profile is healthier, you have a better chance of being approved for what you want, which is the only purpose for credit in the first place.

Unfortunately, with dozens of clients, we have to streamline communication. As you can imagine, everyone has their preferred method of communicating, so if we have people trying to text, WhatsApp, FB message or calling our personal cell phones, communication can quickly get lost and you will feel unimportant, which is certainly not the case. Because we want you to get the attention your concern deserves, we funnel all communication through either your Secure Client Portal or by email to info@journeytocreditacceptance.com.

Your payment date will be on the anniversary date of the day you signed up initially. For example, if your first payment was on the 16th of the month, you will be billed on the 16th of every month. The only exception is: if the 16th falls on a Sunday, the bank that does our payment processing may process your payment on the Saturday before.

We need to see any communication you receive from creditors, collectors or the credit bureaus. You can scan or take pictures of this communication and either upload it into your Secure Client Portal or email it to info@journeytocreditacceptance.com

Absolutely, and we will suggest that you open specific credit accounts based on your credit profile. These accounts will be tailored to you, and will plug the holes in your specific credit file and maximize your score.

Absolutely! Due to the current climate, our staff is largely remote to keep everyone safe and comfortable. Because of this, the easiest way to get on the phone with your Credit Improvement Expert is to book a call using the page below. Please be sure to let us know exactly what you have questions about so that we can help you the best way possible. Here is the Embed link: 

https://calendly.com/journeytocreditacceptance/amandajourney

Absolutely! Due to the current climate, our staff is largely remote to keep everyone safe and comfortable. Because of this, the easiest way to get on the phone with your Credit Improvement Expert is to book a call using the page below. Please be sure to let us know exactly what you have questions about so that we can help you the best way possible. Here is the Embed link: 

https://calendly.com/journeytocreditacceptance/amandajourney

Credit repair is 100% legal! Laws such as the FCRA and the FDCPA give you the right and responsibility to assure the accuracy of the items on your credit reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

No. Disputing using these template letters is outdated and ineffective compared to modern credit enhancement techniques. While most credit repair companies still send out template, cookie-cutter disputes, they are not a very effective method of removing negativities from a credit report. We challenge the report-ability of the account by contesting that the requisite standards of METRO2 compliance are not being adhered to. This strategy is effective not only on accounts with inaccurate information, but also accounts where the information is factual, but the METRO2 compliance is deficient.

You can ask a debt collector or creditor to remove a collection and this type of favor is known as a goodwill request or a pay-for-deletion. Be aware though that you need any promise in writing. There is no law stating that once you pay the debt is has to be removed from the credit report.