Frequently Asked Questions

General Information

What is Johnson Dispute Resolution, LLC?

Johnson Dispute Resolution, LLC (JDR) is a credit education and restoration consulting firm. We provide structured, compliance-focused guidance to help clients understand their credit reports, assess dispute readiness, and pursue strategic credit improvement.

We are not an e-commerce credit services company and do not offer guaranteed outcomes.

Do you guarantee results or an increase in credit score?

No. Credit improvement outcomes vary by individual credit profile. We do not guarantee removals, timelines, or score increases. Our services are designed to support accurate reporting, compliance, and informed decision-making, not short-term or guaranteed results.

Getting Started

Is a consultation required before enrolling in any program?

Yes. All new clients must complete a Credit Profile Analysis Consultation before enrolling in any Strategic or Elite Credit Program. This ensures services are appropriate, compliant, and aligned with your credit goals.

What happens during the Credit Profile Analysis Consultation?

During this one-hour professional advisory session, we:

• Review your full credit reports
• Identify negative, inaccurate, or outdated items
• Evaluate account structure, utilization, and reporting patterns
• Determine dispute readiness
• Outline strategic next steps
• Assess eligibility for services

The consultation does not include dispute submission.

Is credit monitoring required?

Yes. Active credit monitoring is required to complete the consultation and to maintain services if you enroll in a program. Monitoring allows us to review accurate, up-to-date reporting and track changes appropriately.

Programs & Services

What is the difference between Strategic and Elite Strategic Credit Programs?

Strategic Credit Programs use traditional mailed dispute methods and follow standard bureau and creditor response timelines. Progress is steady and methodical.

Elite Strategic Credit Programs are an expedited service tier for eligible clients. Elite services prioritize dispute processing across multiple compliant channels (including CFPB submissions, BBB complaints, electronic disputes, and certified mail).

Expedited services are not sweep methods and do not guarantee faster results.

What is the Priority Credit Intervention Program?

The Priority Credit Intervention Program is a limited-scope, short-term service designed for time-sensitive credit needs. It follows a condensed dispute and validation process, typically spanning approximately 45–60 days.

Results may be temporary, and this service is not a replacement for long-term credit remediation.

Are tradelines guaranteed?

No. Tradelines are not guaranteed. Eligibility is assessed only after the required client action steps are completed, and readiness is demonstrated. Tradelines are introduced strategically and only when appropriate.

Digital Products

What is the JDR Credit Dispute DIY Education Toolkit?

The JDR Credit Dispute DIY Education Toolkit is a self-guided educational resource designed to help consumers understand credit reporting and dispute fundamentals. It does not include dispute services, dispute submission, or individualized consulting.

Are digital products refundable?

No. All digital products are final sale and non-refundable due to immediate access upon purchase.

Payments & Policies

What payment methods do you accept?

We accept major credit/debit cards and Afterpay for eligible services.

What is your refund policy?

Consulting and restoration services are non-refundable once services have commenced. Digital products are final sale. Clients must contact info@jdrcenter.com prior to initiating any chargeback or payment dispute.

What happens if I file a chargeback without contacting JDR?

Unauthorized chargebacks may result in immediate termination of services and forfeiture of refund eligibility. JDR reserves the right to submit service documentation in response to any dispute.

Communication & Client Responsibilities

How will I receive updates on my account?

All updates, progress information, and correspondence are handled through your secure client portal. Clients should not request updates via social media, text, or direct messages.

How often are disputes sent or updated?

After initial dispute preparation, updates typically occur every 35–45 business days, depending on bureau reporting cycles and creditor responses.

What happens if I miss a payment?

If a payment agreement is breached, services may be paused or terminated until the account is brought current. Continued nonpayment may result in dismissal from the program.

Legal & Compliance

Do you work with attorneys?

Yes. Johnson Dispute Resolution, LLC may collaborate with independent legal professionals when appropriate to support compliance and consumer awareness.

These collaborations do not establish an attorney–client relationship unless expressly agreed upon between the client and the attorney.

Do you work with clients outside Texas?

Yes. While our primary service focus is Texas, we may work with select clients nationwide based on consultation eligibility and service alignment.

Still Have Questions?

If your question isn’t answered here, please contact us at:

info@jdrcenter.com