Build excellent credit.
With a team behind you.
Most platforms hand you software and walk away. Jooma pairs AI-powered credit tools with 1:1 consulting, education, and resources — so you don't just dispute items, you learn to build and rebuild credit that lasts.
Score insight
720+
Projected after disputes
Items flagged
3 active
How it works
Three steps to a healthier credit file.
Import your report
Paste or upload your credit report. Our AI reads every line in seconds.
See what's hurting you
Negative items are flagged with a dispute strategy and success likelihood.
Send AI dispute letters
Generate FCRA-compliant letters, then track every dispute to resolution.
Why Jooma is different
Not just software. A partner in your corner.
We give you the tools and the people — real 1:1 consulting, education, and resources to build or rebuild excellent credit for good.
Powerful tools
AI credit analysis, FCRA dispute letters, certified mailing, and a score simulator — everything you need in one place.
1:1 consulting
A dedicated account representative reviews your file and guides your strategy. Book a call whenever you need a human.
Education
Learn how credit actually works — utilization, aging, mix, inquiries — so your gains stick for life, not just this month.
Resources
A curated library of guides, letter templates, and tools to keep you moving forward at every step of the journey.
How we compare
| Jooma | DIY software | Repair mills | |
|---|---|---|---|
| AI-powered credit tools | |||
| Dedicated 1:1 consulting | Limited | ||
| Education to build lasting credit | |||
| You stay in control of your file | |||
| Curated resources & templates | Limited | ||
| Transparent, affordable pricing |
Talk to a real credit expert — free.
Get a personalized plan for your file. Your dedicated representative will walk you through exactly what to dispute first and how to build credit that lasts.
