Understand your credit, work on your profile and prepare your business’s next step. Education and personal guidance in English and Spanish with José Roses Carbonell.
Find your starting point ↓First, we understand where you stand. Then, we identify what to explore.
Different goals need different support. Find the path that fits your next step.
We help you review your reports, identify potential errors and understand the habits that influence your profile.
Your next step: identify what to review and which actions to prioritize.
Explore credit supportOrganize your profile before exploring applications for $50,000–$100,000 in business financing, subject to issuer evaluation and approval.
Your next step: understand what to prepare before applying.
Explore business readinessI’m José Roses Carbonell, founder of JRC Strategic Group LLC. My approach is to help you understand your situation and prepare informed decisions, one step at a time.
English and Spanish support is part of how we work: clear questions, understandable explanations and next steps based on your goal.
Answer three questions to explore an educational path. This does not check your credit, save your answers or determine eligibility.
Educational guidance. Not an approval, a credit offer or a prediction of results.
Explore educational FICO® ranges and factors worth reviewing. The slider does not predict how much your score will rise.
Educational FICO® ranges from 300 to 850. Models may vary. These are not client results or guaranteed increases. myFICO
Review utilization, recent applications and goals before applying for new accounts.
$50,000–$100,000 is an application goal, not a guaranteed amount. More than one product may be involved. JRC is not a bank and does not make approval decisions.
We explore business credit card options that may offer 0% introductory APR for 12 months on eligible purchases. Available offers and approval depend on the issuer and your profile.
A purchase promotion does not mean cash deposited into your account at no cost.
An introductory period does not eliminate minimum payments or other applicable fees.
The issuer’s stated APR applies. Prepare a repayment plan from the beginning.
Personal card examples for education. These are separate from business options and do not indicate a relationship with issuers.
Chase Freedom Unlimited®Issuer information 
American Express Blue Cash Everyday®Issuer information 
Bank of America Customized Cash Rewards®Issuer information Brands and images belong to their owners. No affiliation, sponsorship or endorsement is claimed. Always review the issuer’s current terms.
Tell us your goal and what you want to understand. The initial consultation is not a bank application.
We review the appropriate support and explain services, fees and conditions before an agreement.
We agree on next steps and the information needed. Each process depends on your situation.
Reports, balances and open questions.
Relevant information and priorities.
Options, costs and next steps.
Short guides to understand concepts and prepare better questions.
Preparation starts with understanding what you need and what you can repay.
Read the guideA promotion can be useful when you understand what it covers and when it ends.
Read the guideA business name on a card does not answer every question about responsibility.
Read the guideA careful review helps distinguish errors from accurate negative information.
Read the guideYour entity is a starting point. Now organize business information and goals.
Read the guideFees depend on the scope of services. Before an agreement, request a written explanation of what is included, the total cost and applicable conditions. This website does not collect payments.
No. Score increases, removals and result timelines are not guaranteed. Accurate, current negative information cannot be removed simply because it is negative. You can dispute errors yourself for free.
It depends on your situation, the agreed work and responses from third parties. Scope and estimated timelines are explained before an agreement; there is no universal credit improvement timeline.
Yes, you can request a conversation to understand your starting point. This does not mean you meet an issuer’s requirements or will receive financing.
Submitting this form or booking a conversation does not send an application to banks or access your report. A later application to an issuer may result in a hard inquiry; review its conditions first.
It may, depending on the product and issuer. An LLC does not automatically eliminate personal responsibility. Requirements must be reviewed for each option.
No. Each issuer determines approval, limits and conditions. Introductory 0% refers to eligible purchases under available products and offers; it is not an interest-free cash loan.
Do not send Social Security numbers, passwords, account numbers or full reports through the form, WhatsApp or calendar. If documents are needed, first agree with JRC on an appropriate delivery channel.
Receive a written explanation of services, costs and applicable rights. Credit repair agreements require attention to federal and state cancellation and payment rules. See the official sources in our guides.
Choose how you want to start. English and Spanish support from Lakeland, Florida.
Bookings depend on calendar availability. Confirm duration and any cost before booking.
Lakeland, Florida · Español / English