Fix Inaccurate Credit Reporting Using Metro 2 Compliance Strategies
Our 6-Month Credit Repair & Compliance Program reviews your credit profile for reporting errors, inconsistencies, and unverifiable accounts — and challenges them using structured dispute processes with Experian, Equifax, and TransUnion.
What’s Included in the Program?
This program provides a structured credit correction process with ongoing monitoring and dispute management.
What’s Included
Disputes submitted to Experian, Equifax & TransUnion
Primary and secondary bureau disputes where applicable
Creditor disputes when reporting issues require direct correction
Collection letter response assistance (within 30 days of letter date)
A structured 6-month credit improvement plan
Free credit monitoring included
Access to a Credit Tracking Dashboard App
You’ll be able to track dispute activity, monitor changes, and stay informed about your credit profile progress in real time.
What Is Metro 2 Compliance
Metro 2 is the standardized credit reporting format used by creditors and collection agencies when reporting information to the credit bureaus.
It establishes strict reporting standards for how credit accounts must appear on your credit report, including:
how accounts must be reported
how late payments must be coded
how charge-offs and collections must appear
how account status updates must be formatted
accuracy and consistency requirements for credit reporting
When creditors fail to report accounts accurately or in full compliance with Metro 2 standards, those reporting errors may create legitimate grounds for dispute.
Metro 2 is the standardized credit reporting format used by creditors and collection agencies when reporting information to the credit bureaus.
It establishes strict reporting standards for how credit accounts must appear on your credit report, including:
how accounts must be reported
how late payments must be coded
how charge-offs and collections must appear
how account status updates must be formatted
accuracy and consistency requirements for credit reporting
When creditors fail to report accounts accurately or in full compliance with Metro 2 standards, those reporting errors may create legitimate grounds for dispute.
How Metro 2 Compliance Is Used in the Dispute Process
As part of this program, credit reports are reviewed to identify potential reporting inconsistencies and compliance issues.
Our review process checks for:
Inconsistent payment history coding
Improper charge-off status reporting
Date discrepancies across credit reports
Incomplete account details
Violations of reporting standards
When reporting inconsistencies are identified, disputes are submitted directly to the credit bureaus and creditors requesting investigation and correction.
If an account cannot be properly verified or corrected, it may be updated or removed depending on the results of the investigation.
Important Clarification About Our Process
Our program focuses on correcting inaccurate or improperly reported information.
We do not remove accurate, properly reported accounts.
Instead, we challenge:
• inaccurate information
• incomplete reporting
• unverifiable accounts
• improperly coded negative items
All disputes are handled in accordance with consumer protection laws and established credit reporting standards.
Credit Monitoring & Progress Tracking Included
Transparency is an important part of the process.
Your program includes tools that allow you to monitor your credit profile and track dispute activity throughout the program.
Included with your program:
Credit monitoring service
Credit tracking dashboard app
Ongoing profile visibility
Dispute tracking transparency
You’ll always have visibility into what is happening with your credit profile throughout the process.
Real Clients. Real Credit
Improvements. Real Funding Opportunities.
Edward Araujo
Cheryl RIsner, Score Restore, Elm Grove
LUIS TOTO, JENIFER RAMOS & NOVO SCORE
Brian Fleming, Spring Hill Financial, Mount Laurel
bonnie Bagby
Steven Granados, Firm Credit Solutions
TaRita Boatner, Founder & Owner of JB Kerry Enterprise.
Our Impact Numbers!
From selecting your funding option to securing capital, we make the entire process fast, clear, and stress-free.
500+
Clients Served
Businesses Served
Trusted by hundreds of entrepreneurs to build and fund their businesses.
$1M+
Client Funding Secured
We have helped businesses secure over one million dollars in funding through structured financial strategies and lender-ready business profiles.
3+
Years In Business
Industry Experience
Trusted by hundreds of entrepreneurs to build and fund their businesses.
6-Month All-Inclusive Credit
Acceleration Program - Overview & FAQ
Our 6-Month All-Inclusive Credit Repair Plan is designed to help individuals address inaccurate, outdated, incomplete, or unverifiable information appearing on their credit reports through a structured dispute process. At JB Kerry Enterprise Inc, we follow a compliance-based approach focused on identifying credit reporting errors, challenging questionable items, and ensuring that credit reporting agencies and creditors meet their obligations under federal credit reporting laws. This program provides professional dispute management, monitoring tools, and guided action plans designed to help improve your credit profile over time.
What Is Included in the Program
• Disputes with the three major credit bureaus: Experian, Equifax, and TransUnion
• Disputes with secondary credit bureaus including LexisNexis, CoreLogic, Clarity Services,
ARS, and other data furnishers
• Direct disputes with creditors and collection agencies
• Metro2 compliance dispute analysis
• Complimentary credit monitoring through ScoreFusion
• Access to a credit tracker tool to monitor progress
• Monthly credit action plans to help strengthen your credit profile
• Assistance responding to collection letters within 30 days to verify debt validity
• Complimentary credit repair consultation
Items Commonly Disputed
• Old or outdated personal information (incorrect names or addresses)
• Hard credit inquiries
• Late payments
• Charge-offs
• Collection accounts
• Negative rental history
• Child support reporting errors
• Duplicate accounts
• Accounts reporting incorrect balances or payment status
• Accounts reporting incorrect dates
• Accounts that cannot be verified by credit bureaus
Program Duration
The program runs for 6 months to allow time for multiple dispute cycles and bureau responses. If negative items remain after the initial period, clients may continue services on a month-to-month basis.
Program Cost
The cost for the 6-Month All-Inclusive Credit Repair Plan is $899.
Optional Power of Attorney
Clients may choose to sign a notarized Power of Attorney allowing us to communicate directly with credit bureaus and creditors. This option may help reduce stall letters and is available for an additional fee.
Important Notice
JB Kerry Enterprise Inc does not remove accurate and verifiable information from credit reports.
Our services focus on challenging inaccurate, outdated, incomplete, or unverifiable information in accordance with applicable consumer protection laws.
1. What does the credit repair process involve?
Reviewing credit reports for inaccurate or unverifiable information and disputing those items with
credit bureaus, creditors, or data furnishers.
2. How long does the credit repair process take?
The process varies, but our program is structured for 6 months to allow multiple dispute cycles.
3. Do you guarantee results?
No credit repair company can legally guarantee specific results. Outcomes depend on each
individual's credit profile.
4. What are stall letters?
Stall letters are responses from credit bureaus requesting additional documentation before processing a dispute.
5. Should I continue paying my bills during the program?
Yes. Maintaining on-time payments is critical for improving and protecting your credit score.
6. Should I pay off collection accounts?
It depends on the situation. Each account should be evaluated before deciding whether to pay.
7. How will I track my progress?
Clients receive ScoreFusion credit monitoring and access to a credit tracker tool.
8. What happens if negative items remain after 6 months?
Clients may continue services on a month-to-month basis if further work is needed.
9. What is Metro2 compliance?
Metro2 is the standard used by creditors to report information to credit bureaus.
10. Do I have to sign a Power of Attorney?
No. It is optional and allows us to communicate directly with bureaus and creditors.
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