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.
AI Credit Analysis
Our engine identifies collections, charge-offs, late payments and unverifiable items — then ranks them by how likely they are to be removed.
ChexSystems
Denied a checking account? Get bankable again.
Old NSF marks and account-abuse records can follow you for up to 5 years — and most people never even see their ChexSystems report. We do.
- Upload or snap a photo of your ChexSystems consumer disclosure — even scanned copies
- AI flags every disputable record and shows exactly when each one legally drops off
- Consumer-law dispute letters drafted in seconds and mailed for you
- Track it all until your name is clear and the bank says yes