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Credit "Denied"
How many times have you been told “denied” because of your credit?
It’s frustrating. It’s embarrassing. And it keeps holding you back from the life you deserve.
At Transform Now 365, we believe your past mistakes don’t define your future. All it takes is the right plan and the first step starts here.
Book your credit consultation today and finally see a clear path forward.
About
My name is Jamel Mallory Sr.
A seasoned credit repair specialist with over 5 years of experience helping individuals and families reclaim their financial freedom. With a deep understanding of credit laws, FICO scoring models, and dispute strategies, I have successfully guided hundreds of clients in improving their credit profiles and achieving their financial goals.
My career began in financial services, where I quickly realized the critical need for trustworthy credit education and repair. Since then, I have built a reputation for integrity, transparency, and results-driven solutions. I specialize in identifying errors on credit reports, negotiating with creditors, and implementing tailored action plans that produce lasting credit improvement.
Whether working with clients facing collections, charge-offs, late payments, or identity theft, I bring empathy, expertise, and proven strategies to every case. I am committed to empowering clients with the knowledge and tools they need to build and maintain strong credit for the long term.
My mission is simple: to help people take control of their credit and unlock better opportunities for their future.
WHAT MAKES US DIFFERENT
Let’s be real. You’ve probably seen other “credit repair companies” promise the world and deliver nothing.
We’re not here to waste your time or money. Here’s why people choose us:
Results
Fast results backed by proven dispute strategies.
Personalized
Personalized plans that fit your situation, not cookie-cutter templates.
Support
Education & support so you never feel lost again.
We don’t just repair credit — we help you rebuild financial confidence for the long run.
Why This Consultation Matters
Be honest , when was the last time you actually looked at your full credit report?
Most people don’t know:
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What’s really on their report
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Why their score keeps dropping
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Or what steps to take to fix it
That’s exactly why this consultation exists.
During your session, you’ll walk away with:
✔ Your current credit score
✔ A clear understanding of what’s on your report
✔ Simple options to start your credit repair journey
No fluff. No guesswork. Just clarity and a plan.
How it works
Fixing your credit doesn’t have to be complicated. We keep it simple:
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Book Your Session – Choose a time that works for you.
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30–45 Minute Consultation – One-on-one with a credit repair specialist.
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Walk Away With a Plan – Know exactly what to do next to improve your credit.
That’s it. Three steps.