Know When the Old Marks Fall Off.
Credit coaching by video or over coffee in Reno and Sparks. We fix real errors and say plainly what only time will fix.
When Does Each Mark Fall Off?
Add what you see on your report. We show the month it should drop off by law, and what to do if it is wrong. Nothing here is saved or sent.
General information, not legal advice. Dates follow the Fair Credit Reporting Act and bureau policy as of 2026. A collection or charge off drops about seven and a half years after the first missed payment on the original account.
Accurate marks cannot be legally removed early. Not by us, not by anyone. They fall off on their own on the dates above.
You can dispute errors yourself, free. Get your reports at annualcreditreport.com and dispute with Equifax, Experian and TransUnion directly.
No Office. We Meet You Where You Are.
Half our clients work nights on the casino floor or in a kitchen. So Joy works late, and the first session is free wherever you pick.
A park bench worksIdlewild Park, a Sunday afternoon
Video After Your Shift
Weeknights until 8 and Sunday afternoons. Your phone is fine. No app to download.
Before the swing shiftA dealer in Sparks
At Your Kitchen Table
Joy drives from Fernley to Minden. Bring your reports, or we pull them together for free.
What We Do
- Pull your three free reports with you and read every line
- Dispute real errors with the bureaus and the lenders
- Plan which balances to pay down first
- Set up one small account that builds new history
What We Will Not Do
- Charge you before the work is done
- Dispute true marks to try to trick the system
- Promise a score, a date or a loan approval
- Tell you to get a new identity number. That is a crime.
From Verdi to Fernley, and Down to Minden
Joy meets in person across the Truckee Meadows and Carson Valley. Video calls reach anywhere in Nevada.
- Reno
- Sparks
- Sun Valley
- Spanish Springs
- Verdi
- Washoe Valley
- Carson City
- Dayton
- Fernley
- Minden and Gardnerville
- Incline Village
- Video anywhere in Nevada
What People Say
Two collections on my report were not even mine. Joy helped me dispute them and both were gone in five weeks. We got the apartment.
Tessa K. Reno
She told me my old charge off was real and would drop off next spring. No tricks, just the date. That honesty is why I stayed.
Marcus B. Sparks
We met on video at 9 at night after my shift. She never made me feel dumb about it.
Rosa L. Sun Valley
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
Questions People Ask Joy
Can you remove late payments that are true?
No. If a late payment or a collection is accurate, no one can legally remove it early, and anyone who says they can is not being straight with you. Accurate marks fall off on their own after a set time. What we can do is find the errors, dispute those, and help you build new good history.
Can I dispute errors myself?
Yes, for free. Get your reports at annualcreditreport.com and dispute errors online with Equifax, Experian and TransUnion. Many people do it themselves. We are here for folks who want help sorting a messy report or would rather not do the letters.
When do you charge?
Never before the work is done. Under the Credit Repair Organizations Act we cannot take money up front. We bill at the end of each month for the work already done that month. The first coaching session is free, and you can cancel in writing within 3 business days of signing.
Do we have to meet in person?
No. Most folks meet by video after work. If you want to sit down, Joy will meet you at a coffee shop by the river, a park, or your kitchen table anywhere from Fernley to Minden.
How long until my score goes up?
We cannot promise a number or a date. Bureaus have 30 days to look into most disputes, so real errors can change in a month or two. Building new history takes longer. The timeline tool on this page shows when old marks fall off on their own.
Your First Session Is Free, Wherever You Are.
Text Joy a good time and whether you want video or coffee. She writes back the same evening.