ABOUT CREDIT FIX JOE
Founded in January 2023, Credit Fix JOE™ is a Northwest-based, family-owned credit restoration and education company built on real experience, honest guidance, and lasting results.
We’ve personally experienced the confusion and frustration that can come with credit challenges... trying to figure out what actually works and who to trust. That’s why our approach is centered around clarity, strategy, education, and doing things the right way, no gimmicks, no shortcuts, and no false promises.
Behind the scenes, your file is supported by a U.S. based team of 39 experienced specialists... real people we know and trust, not outsourced overseas call centers. Together, we work to create consistent, measurable progress while providing direct communication and personalized support every step of the way.
Everything we do is grounded in consumer protection law and strict compliance standards. We believe lasting results come from ethical, lawful strategies that help build a stronger financial future, not temporary tricks that create bigger problems later.
We’re proud leaders within the Spokane and North Idaho Alignable Communities, honored as Business Person of the Year in 2025, and grateful to have helped contribute to more than 80,000 total credit score points raised across our clients’ files... all backed by 100% five-star reviews.
At the end of the day, this is about more than credit scores.
It’s about helping people create opportunity, regain confidence, and move forward with clarity and hope ultimately to reach their goals and dreams.
OUR MISSION
At Credit Fix JOE™, our mission is to create real financial transformation by restoring and strengthening credit the right way… with clarity, strategy, and unwavering compliance.
We operate with purpose, precision, and a commitment to doing what others won’t… staying within the law, standing behind our work, and showing up consistently for every client and every partner. No shortcuts. No guesswork. Just a structured path forward that holds up over time.
We are built to support both individuals and the professionals who serve them. By partnering with mortgage officers and real estate agents, we help turn uncertainty into approvals and keep deals moving toward the finish line.
We are ready. We are equipped. And we are committed to being a trusted, long-term resource you can rely on… whether you’re rebuilding your credit or helping someone achieve homeownership.
Because when it’s done right… results follow.
Hello! I’m Joshua, Founder & Credit Expert at Credit Fix JOE™.
I’ve been where you are. I know firsthand how overwhelming bad credit can feel because I lived through it myself. About 20 years ago, I became determined to truly understand how the credit system works... not the myths, not the gimmicks, but the real laws, reporting systems, and strategies that actually impact your financial future.
That journey changed my life.
Today, I use that knowledge to help others take back control through education, lawful credit strategies, and personalized guidance built around long-term financial stability, not quick fixes.
At the end of the day, this is bigger than credit scores. It’s about opportunity, peace of mind, and creating a stronger future for yourself and your family.
I know this system inside and out, and I’m here to help you understand it too.
Hello there! I’m Natalie, your Client Resources Manager at Credit Fix JOE™.
I’m passionate about helping people feel supported, informed, and confident throughout their journey with us. With a strong attention to detail and a heart for serving others, I work behind the scenes to help ensure every client receives the care, communication, and guidance they deserve.
Whether it’s answering questions, helping organize next steps, or simply being a reassuring point of contact along the way, my goal is to make the process feel smooth, encouraging, and personal... never overwhelming.
At Credit Fix JOE™, we truly care about the people we work with, and I’m honored to be part of that mission.
We’re excited to walk alongside you and help support your goals every step of the way!