​What you will get!

​​Clean up your past

We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.

Track your present

​Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.​

Change your future

We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.​

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How it works

Signup

We'll give you a free consultation and
​ credit analysis

Relax

While we use the law to challenge
​ negative items on your report

See Results

Log in to see real time progress every
​ step of the way

We guarantee results
or your money back!

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These people had amazing results

I wanted to get a job in banking, so I knew I needed to understand credit better. Not only for myself, but also because I wanted to be able to help other people understand how their credit is affected.
That is why I joined the Amber program with John Lothar. They helped me understand how credit profiles work, not just the score. I learned that it is not only about having credit cards, but also about having different types of accounts and showing responsible history.
After learning more, I made some changes to my own credit profile too. I added an installment account and started looking at my credit in a more complete way. It helped me feel more prepared and confident when I applied for a banking job.
The program gave me knowledge I could use for myself, but also knowledge I can use to help others

Callum R. 

I was trying to buy a car for Uber, but every dealer and loan broker I talked to was running my credit. Before I knew it I had about 20 inquiries on my report, and some of them I did not recognize or remember giving permission for.
Roger at John Lothar helped me understand what was hurting my credit and helped me clean up my profile. The Amber program also helped me get more prepared before I tried to finance a car again.
It took me a year, but it was worth it. I finally got better options and was able to buy the car I needed for Uber. Now I had a way to work and make money, and that changed a lot for me

Dave I.

My student loans showed up on my credit as 90 days late after all the changes with student loans and payments starting again. I had studied to be a paralegal, so I understood that credit reporting has rules and that you should not dispute something just because you do not like it.
I wanted to be sure that anything I disputed had a real reason behind it, like being inaccurate, incomplete, or not verified correctly. That is why I turned to John Lothar LLC and the Amber program. I wanted help reviewing the reporting, the dates, and the details so it could be handled the right way.
They helped me go through my credit profile and dispute the 90 day late payments in a more organized and proper way, based on the rules and not just emotions.
After that, my credit profile looked much better and I felt confident that the situation was handled correctly. Student loan reporting can be confusing, even when you understand credit, and I am very thankful for the help

Gloria G.

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