James Junior (a.k.a The Credit Guru) is a thirty something Oracle Professional who works for a major corporation. He is also a freelance finance/credit counselor for numerous private clients. He also writes professionally across the web on multiple topics. James has helped turn many client’s credit completely around 180 degrees from where it was when they first contacted him. His experience is real, and his advice is free, at least on this site anyway. If you have any questions for J.J. by all means post a comment in the Q&A post and he will answer it as quickly as possible. Remember, every American has the ability to fix their own credit, no matter how bad the situation becomes. You are NEVER in a situation where you HAVE to pay someone to repair your credit. They have no more privileges to your credit file than you do as a normal consumer. Anyone who tells you otherwise is trying to sell you something or doesn’t know what they are talking about.

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