Dallas–Fort Worth · Serving clients nationwide
Find out exactly what's hurting your credit — free.
PWC Capital sends you a written analysis of all three bureaus — every negative item, what's disputable, and what it would take to clean it up. No call required.
First payment at signup, then automatically every 30 days. Results vary and depend on what the bureaus can verify.
Real client files
Real numbers off real reports
Pulled straight from client accounts. Names and personal details removed.
These are actual client results shared with permission. Client names and personal information have been removed. Results vary and depend on what each bureau can verify. PWC Capital does not guarantee any specific outcome, point increase, or timeline.
The difference
Why choose PWC Capital?
Most credit repair is software and a call center. Yours is a person who reads every line.
Every round. All three. Every time.
TransUnion, Experian and Equifax all get disputed in the same round — about every 30 days — so nothing sits and rots on one report while another gets worked.
✕Plenty of companies work one bureau at a time.
Jojo reads your file herself.
Sixteen years of reading claims files, line by line, now pointed at your credit report. Your dispute strategy is built by hand for what's actually on your file.
✕No templates. No call center. No software guessing.
The files nobody else touches.
LexisNexis, SageStream, Innovis, ARS and ChexSystems feed the big three. Clean those up too and a deleted item is far less likely to reappear a few months later.
✕Plenty of companies never open a secondary bureau.
A report in your hands every month.
Exactly what came off, what's still in dispute, and what gets filed next. You never have to call and ask what's happening.
✕No silence. No "it's in process." No guessing.
You're not buying software. You're hiring somebody who fights for you.
Fix My Credit NowThe target list
What we challenge
We dispute items that are inaccurate, unverifiable, or outdated. Results depend on what the bureaus can verify.
Start to finish
How it works
Pull your report
You get a link to your three-bureau report and scores. Five minutes, and the account is yours to keep.
We analyze it
Every account, every bureau, read line by line — collections, charge-offs, inquiries, personal information.
Your analysis arrives
A written breakdown of what's on your file, what's disputable and why, and which program fits. Yours free.
Learn at your own pace · Digital guide
PWC Credit Guide
Understand your credit report and organize your next steps—with a beginner-friendly guide you can keep.
- Plain-language credit report basics
- A fictional report example to follow along
- Worksheets to organize your credit review
- A 30-day credit-clarity plan
Educational guide only. Credit repair services, credit monitoring and client portal access are not included.
Straight pricing
Choose your program
Your first payment is due the day you sign up. Subsequent payments run automatically every 30 days, according to your selected plan and agreement.
No setup fee. No enrollment fee. Cancel any time. Your analysis is free. Your first program payment is due at signup, followed by automatic payments every 30 days. Your cancellation rights are described in your agreement.
Meet the owner
Hey, I'm Jojo.
I know what it's like to be told no. I built PWC Capital so people in Dallas–Fort Worth could get a real person working their file — not a call center, and not software.
Sixteen years in insurance and finance taught me how to read a file, document it, and push back the right way. That's exactly what your credit report gets.
— Jojo, Owner, PWC Capital LLC
Before you ask
Questions we get a lot
Do I need a consultation?
No. A consultation is not required to get your analysis or to enroll. Everything runs through email and your client portal, so you can get started without ever getting on a call. If you'd rather talk something through, you can book 15 minutes with Jojo for $25 — that's a general-questions call, separate from credit repair and not part of any program.
Will disputing hurt my credit?
No. Disputing inaccurate information doesn't lower your score.
How long does it take?
Most files run about six months. The bureaus get thirty days to answer each round, and we work all three at once.
Can you guarantee it comes off?
No — and anyone who tells you they can isn't being honest with you. Results depend on what the bureaus can verify.
What do I pay today?
Your first payment is due on the day you sign up. Your selected plan is then billed automatically every 30 calendar days until the agreed payment count is reached or you cancel. This is a fixed 30-day interval, which may fall on a different date each month. Your statutory cancellation rights remain unchanged.
What if I've already tried this myself?
Most of our clients have. The difference is how the disputes are built and where they get escalated.
Can I cancel?
You may cancel in writing without penalty before midnight of the third business day after signing. After that period, you may request cancellation at [email protected]. Your selected plan and agreement explain any remaining obligations and applicable refund rights.
Stop guessing what's on your credit report.
Get your free written analysis and find out where you actually stand.
Fix My Credit NowFirst program payment at signup; automatic payments every 30 days.
Free · no call required
Get your free credit analysis
Name and email is all Jojo needs to get started. She reads your file across all three bureaus and sends the analysis back in writing.
Nothing is charged and no card is needed. Please don't email documents — clients upload them in the secure portal after enrolling.
Optional · not required
Rather just talk it through?
Book 15 minutes with Jojo and ask whatever you want about your credit — what a score really means, whether to pay a collection, how a repo affects a car loan, what order to do things in.
This is a general-questions call. It is separate from credit repair, it is not part of any program, and you do not need it to get your free analysis or to enroll.