Late payments and collections
One reported late payment or an old collection can weigh on your score long after the balance is handled.
Credit restoration for future homeowners
Repair your credit with a plan built around buying your home.
If a lender has told you "not yet," A&J Enterprises reviews all three of your credit reports, challenges what is inaccurate, and builds a plan that moves you toward mortgage approval, business funding, or a stronger score.
Free reviewNo obligationPlan built for your goal
All three bureausEquifax · Experian · TransUnion
Disputes grounded in your rightsFair Credit Reporting Act
One plan, one goalHome · Funding · Score
Credit challenges
Know where lenders draw the line.
Most people with challenged credit are closer than they think. The first step is seeing your score the way a mortgage lender does.
The 300 to 850 credit score range
FICO score bands, with two common mortgage guidelines marked. Every lender sets its own requirements.
580FHA, 3.5% down
620Typical conventional floor
High balances
Cards near their limits signal risk to lenders, even when every payment is on time.
Errors you haven't seen
Wrong balances, duplicate accounts and outdated items show up on reports more often than people expect.
The A&J difference
Why work with A&J Enterprises?
Built around your goal
Your plan starts with what you are working toward, whether that is a home, business capital or a stronger score.
All three bureaus
We review Equifax, Experian and TransUnion side by side, because lenders often look at all three.
Credit and real estate together
A&J also consults on real estate investment, so your credit work lines up with the purchase you are planning.
Strategy beyond the score
We help you build habits and financial assets that keep your credit strong after the repair work is done.
Watch this first
See how we rebuild your file.
Video not loading? Watch it here.
What we challenge
Negative items we review and dispute.
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
- Judgments
- Medical collections
- Student loan lates
- Hard inquiries
- Public records
- Personal info errors
We challenge items that are inaccurate, incomplete, outdated or unverifiable. Accurate, verifiable information can legally stay on your report.
How credit repair works
Three steps from "not yet" to ready.
Free credit review
Book a call. We go through your three reports with you, flag what is hurting your score and talk through your goal.
Plan and dispute
We challenge inaccurate items with the bureaus and creditors, and give you the steps on your side: balances, payments and positive credit.
Move toward your goal
We review results with you after each round. When your file is ready, we help you take the next step toward your mortgage or funding.
What a stronger file opens up
Better credit is the start. Here is where it leads.
Buying a home
Get into position for mortgage approval with a file that is accurate, current and built to meet lender guidelines.
Get the free homebuyer guide →Business funding and credit
Strong personal credit is often the first thing a funder checks. We help you build from there into business credit.
Explore business funding →A stronger score
Lower rates, better approvals and fewer deposits. A healthier score makes everyday financial life easier.
Start with a free review →Testimonials
Client success stories.
★★★★★First family home
Honestly, I didn’t think owning a home was ever going to happen for us. Raising 7 kids while constantly struggling to find a stable, safe place to stay was heavy, and our credit was keeping us stuck. Working with A&J changed everything. They took the time to map out a clear path, fixed the issues on my credit report, and guided us step-by-step. Because of them, I was finally able to qualify and close on our very first family home. Giving my kids a real, permanent place to grow up means the world to me. I can’t thank A&J enough for giving us a fresh start.
★★★★★Debt consolidation loan
I reached a point where monthly bills were coming from every direction, and high interest rates were keeping me underwater. My credit score wasn’t in good enough shape to get approved for anything that could actually help. A&J stepped in and worked absolute wonders on my credit profile. Once my scores jumped up, they helped position me to secure a personal loan that wiped out all those high-interest debts in one shot. Now I just have one manageable monthly payment, my stress levels are down, and I’m finally saving money again. If you’re stuck in a loop, give A&J a call.
★★★★★Auto loan approved
Man, I can’t thank A&J enough. My credit was hovering around 400 and I thought I was stuck paying insane interest or just not getting a car at all. They got to work on it and got me all the way up to a 680. Ended up getting approved for a way better car loan than I expected. Seriously appreciate the help!
Testimonials reflect individual client experiences. Results vary and are not guaranteed.
Meet the founders
Gregory Arnold
Founder · A&J Enterprise LLCGregory Arnold is an experienced entrepreneur, strategic leader, and Founder of A&J Enterprise LLC, bringing extensive expertise in business operations, management, financial planning, and business development.
His entrepreneurial journey includes owning an automotive repair shop for 14 years and a commercial mobile truck detailing company for five years, servicing industry names such as Kenworth and Sinclair. With additional experience in plumbing and electrical services, Gregory has developed a strong foundation in leadership, budgeting, and building successful businesses.
Gregory’s passion for financial empowerment stems from his personal journey. After experiencing firsthand how credit challenges can limit opportunities and prevent individuals from achieving their goals, he took the initiative to educate himself, rebuild his credit, and regain control of his financial future. What began as a personal challenge became a greater purpose: helping others overcome similar obstacles and unlock new opportunities.
As a former collegiate athlete, Gregory values discipline, perseverance, and continuous self-improvement. His passion for helping others, combined with his entrepreneurial experience, drives his commitment to making a meaningful difference.
Through A&J Enterprise LLC, Gregory is dedicated to helping individuals strengthen their credit, build financial confidence, and create pathways toward homeownership, entrepreneurship, and generational wealth. His mission is to empower others with the knowledge, resources, and opportunities to turn their financial goals into reality.
Business operationsFinancial planningBusiness developmentFormer collegiate athlete
Co-Founder
Mercaydeez Sanchez
Co-Founder · A&J Enterprise LLCMercaydeez Sanchez is a visionary entrepreneur, strategic leader, and Co-Founder of A&J Enterprise LLC, bringing nearly a decade of expertise in business operations, marketing, strategic planning, and business development.
Driven by a passion for creating opportunities and transforming lives, she empowers individuals to strengthen their credit, take control of their finances, and turn financial goals into lasting success.
With a people-first mindset and a commitment to meaningful results, Mercaydeez believes true financial freedom begins with knowledge, confidence, and the right opportunities. Her mission is to help others build stronger financial foundations and create a future where possibilities become realities.
Business operationsMarketingStrategic planningBusiness development
Credit restoration
Choose your plan.
Single $500 / Couples $950
Single
$500
Couples
$950
Under the Credit Repair Organizations Act, you are never charged for work before it has been performed.
Still not sure?
Frequently asked questions.
Is the credit review really free?
Yes. Your first credit review is free and comes with no obligation. We look at your reports with you, explain what is holding your score back, and show you what a plan for your goal would look like.
How long does credit repair take?
Every credit file is different, so we don't promise a timeline. How long it takes depends on what is on your reports, how the bureaus and creditors respond, and the habits you build along the way. We review progress with you after every round so you always know where you stand.
Can you remove accurate negative items?
No one can legally remove accurate, verifiable information from your credit report. We challenge items that are inaccurate, incomplete, outdated or unverifiable, and we help you strengthen the rest of your file so lenders see a fuller picture.
Will disputing items hurt my score?
No. Disputing information on your credit report does not lower your score. If an item is corrected or removed, your score is recalculated on the updated report.
Can I dispute items on my own?
Yes. You have the right to dispute inaccurate information directly with the credit bureaus at no cost. Many people choose to work with A&J because we handle the process, track every response and tie the work to a plan for buying a home or getting funded.
How much does it cost?
We go over options and pricing on your free review, once we know what your file needs. Under the Credit Repair Organizations Act, you are never charged for work before it has been performed. Single $500 / Couples $950
I want to buy a home. Can you help with that part too?
Yes. Credit restoration is the first step, and A&J also consults on real estate. We build your plan around the mortgage you are working toward, so the work on your file lines up with what lenders will look for.
Do you help with business credit and funding?
Yes. If your goal is to fund a business, we start with your personal credit and then move into business credit and funding options. See our business funding page.
Free credit review
Take control of your credit and your next move.
Tell us a little about where you are and what you are working toward. We will review your situation and set up your free credit review.
- A walk-through of all three of your credit reports
- The items most likely holding your score back
- A plan built around buying a home, funding a business or raising your score
Book your free credit review
Takes under a minute. No obligation.