Rebuild Your Credit.
Own Your Future.
The Credit Lab by Jaz helps you repair, build and understand your credit with a clear, compliant, hands-on process — so you can get approved, stop overpaying and move forward with confidence.
Credit Score
783
This Round
16 items
deleted tri-bureau
EST. MMXXIV · Founder-led · Tri-bureau credit repair
Poor credit isn't just a number —
it's a tax on your future
Every day with a low score quietly closes doors and drains your wallet. Sound familiar?
Sky-High Interest Rates
Poor credit quietly costs you thousands in extra interest every single year.
Loan & Card Denials
Watching approvals slip away — for homes, cars and capital you deserve.
Low Credit Scores
Negative items and errors dragging your score far below your potential.
Constant Financial Stress
The weight of money anxiety following you into every decision.
Missed Opportunities
Deals, homes and business moves passing you by because of three digits.
Feeling Stuck
Doing everything 'right' yet still locked out of the financial life you want.
You've worked too hard to be held back by three digits. It's time to rewrite the story.
Strong credit is the key to the life you want
Credit isn't about a score — it's about access. The right profile unlocks opportunities most people never get to touch.
Home Ownership
Qualify for the mortgage and rate that turns renting into real equity.
Vehicle Financing
Drive away with approvals and rates reserved for strong borrowers.
Business Funding
Unlock lines of credit and capital to scale your vision.
Lower Interest Rates
Save tens of thousands over the life of your loans.
Better Insurance Premiums
Strong credit lowers what you pay to protect what you own.
Wealth Building
Use leverage intelligently to build generational wealth.
"Your credit is an asset. We help you treat it like one."
— Jaz, Founder
A complete credit & wealth architecture
Seven premium services that take you from credit repair to real financial leverage — all under one roof.
Credit Repair
Strategic, compliant disputes that challenge inaccurate, outdated and unverifiable items across all three bureaus.
- Tri-bureau analysis
- Custom dispute letters
- Creditor interventions
- Live progress portal
Credit Building
Engineer a thicker, stronger profile with the right mix of primary and secondary tradelines.
- Tradeline strategy
- Utilization mapping
- Credit mix design
- Score velocity plan
Credit Monitoring
Real-time alerts and tri-bureau tracking so nothing touches your report without you knowing.
- 3-bureau monitoring
- Identity protection
- Score simulators
- Monthly reviews
Credit Education
Understand exactly how scores move so you stay in control long after we're done.
- Private masterclasses
- Score factor coaching
- Resource library
- Q&A access
Business Credit Foundation
Build business credit separate from your personal profile and unlock real corporate buying power.
- Entity structuring
- Duns & Bradstreet setup
- Vendor tradelines
- Tier financing path
Funding Preparation
Position your personal and business profiles to qualify for premium funding and lending.
- Lender readiness audit
- Funding roadmap
- Application strategy
- Up to 6-figure prep
Financial Coaching
1:1 coaching that turns a strong score into real wealth, leverage and freedom.
- Wealth blueprint
- Debt elimination plan
- Budget architecture
- Accountability calls
Four steps from stuck to soaring
A clear, proven framework engineered to move your score — and your life — forward.
Credit Analysis
We pull and forensically analyze all three reports to uncover every negative item, inaccuracy and opportunity.
Personalized Action Plan
You receive a custom, bureau-by-bureau roadmap engineered around your goals — homeownership, funding or both.
Strategic Dispute & Optimization
We execute compliant disputes, interventions and optimization moves designed to lift your score fast.
Ongoing Growth & Monitoring
We protect your progress with monitoring, tradeline strategy and coaching so your credit keeps climbing.
Real numbers. Real transformation.
We measure success in approvals, opportunities and lives changed — not promises.
Points in a single round
real client report
Disputes deleted in one cycle
tri-bureau
Bureaus we work — Equifax, Experian, TransUnion
every plan
Compliant, transparent process
no empty guarantees
What your transformation unlocks
The proof is in the reports
Actual tri-bureau and progress reports from real rounds — deletions, score jumps and clean-ups. Names and personal details removed for privacy.
+159 / +163 / +158
Tri-bureau jump into the 780s
16 items deleted
Experian +156 with collections & inquiries removed
759 · 722 · 757
Climbing into the high-700s across all three
+130 points
TransUnion +118 total with multiple deletions
48 disputes deleted
One round, real deletions across the board
Equifax progress
Tradeline cleaned up and utilization addressed
Experian +115
Early-round movement across the bureaus
+104 · +105 · +106
Steady triple-digit gains, all three bureaus
31 disputes deleted
Clean import with negatives falling off
Results vary by profile · No specific score increase is guaranteed
See what a higher score is worth
Drag the sliders to estimate how much a stronger credit score could save you on a 30-year mortgage.
Estimates are illustrative and not a guarantee of rates or results.
Simple, honest pricing
Pick the plan that fits your goals and budget. The longer the plan, the lower your monthly cost.
$50 Consultation Fee
A full tri-bureau review with Jaz where we map your plan and recommend the right program. Credited toward your start.
Not sure which fits? Start with a $50 consultation and we'll build the right plan together.
Transformations that speak for themselves
Real clients. Real score jumps. Real life change.
"I went from being denied everywhere to closing on my first home in under six months. The Credit Lab changed my family's future."
Marcus T.
First-time homebuyer
Before
540
After
712
FREEHow to Build Credit
The Credit Lab Starter Playbook
The exact step-by-step framework Jaz uses to add points fast, delete negatives the compliant way and build credit that lasts — distilled into a free guide.
- The 5 score factors (and the 2 that move 65% of your score)
- How to dispute & delete negative items the compliant way
- The utilization formula for fast, safe gains
- How to build a thicker, stronger credit file
- The funding-ready checklist lenders look for
No spam, ever. Unsubscribe anytime. We respect your privacy.
Higher-end service, real results
Founder-led, fully transparent and built around your exact report. This is credit repair done right.
Founder-Led
You work directly with Jaz and her team — not a faceless call center.
Radical Transparency
You see every dispute, every response and every win as it happens.
Full Compliance
100% CROA-compliant. No empty guarantees, no shortcuts, no risk.
Personalized Strategies
No templates. Every plan is built around your specific report.
Real Education
We teach you how credit works so the results actually last.
Proof, Not Promises
Real tri-bureau reports with real deletions and score jumps.
Hi, I'm Jaz
I founded The Credit Lab to give people the strategy, advocacy and education the financial system never handed them. I've spent years mastering credit, funding and wealth-building — and now my team and I put that playbook to work for you.
This isn't just credit repair. It's a complete transformation built on trust, transparency and results.
Founder
Led by Jaz personally
3 Bureaus
Every plan, every round
EST. 2024
The Credit Lab
Knowledge is leverage
We don't just fix your credit — we teach you how to keep it strong for life.
Checking your own credit hurts your score
False. Checking your own report is a soft inquiry and never affects your score. Knowing your numbers is step one to controlling them.
What actually moves your score
Payment history (35%) and utilization (30%) drive most of your score. Length of history, mix and new inquiries do the rest.
The 30% utilization rule
Keep balances under 30% — ideally under 10% — of your limits. High utilization is one of the fastest ways to tank a score.
Why business credit changes everything
A separated business profile lets you access capital without risking personal credit — the foundation of scalable wealth.
Your questions, answered
Everything you need to know before booking your free consultation.