Start Where You Stand.™
Know Where You Stand. Build What's Next.
M’Jaye Money helps you understand your current credit position, identify what may need attention, strengthen your financial readiness, and make informed decisions about what comes next.
Credit Education • Credit Restoration • FINANCIAL READINESS
Strategy • Education • Empowerment
Built for Generational Impact.™
Sample Credit Readiness Snapshot
See what a readiness
review looks like
Your readiness check reviews the areas that shape your credit position — and ends with a recommended next step that's actually personalized to you.
Credit Readiness Snapshot
SampleHow It Works
Four steps to knowing where you stand
No mystery, no pressure. Just a clear readiness process from start to next step.
Start
Complete the M'Jaye Money readiness intake — it takes about two minutes.
Access
Access your current three-bureau credit information through the approved SmartCredit link.
Review
Your credit information can be reviewed to identify areas that may need attention.
Next Step
Depending on your situation, you may continue with education and community support or book Michelle for individualized strategy.
Credit + Financial Readiness
See Where You Stand
Before anything changes, you need a clear picture of where you are — your credit, your budget, and how it all fits together. This is about getting organized and taking control, not dwelling on problems.
Credit — Understand your current credit profile and what’s impacting it.
Budget & Debt — Get organized around your income, expenses, and financial obligations.
Financial Position — See the bigger picture and identify where you stand today.
Banking + Funding Readiness
Prepare Before You Apply
The strongest applications are prepared in advance. Get your banking, documentation, and finances in order first — so when you're ready to apply, you're actually ready.
Banking — Build strong banking habits and maintain organized financial accounts.
Documentation — Have the financial records and documents you may need ready.
Funding Preparation — Understand what lenders look for and prepare before you apply.
Business + Entrepreneurship
Build What's Next
For the ones building something of their own. Lay the foundation, separate your business from your personal finances, and grow with a real plan behind you.
Business Foundation — Understand areas entrepreneurs may need to consider as they prepare to build a stronger business foundation.
Business Credit Readiness — Learn about separating personal and business finances and the factors that can affect business credit readiness.
Growth & Funding Readiness — Understand financial-readiness considerations that may help prepare a business owner for future growth or funding conversations.
FINANCIAL READINESS + BUILDING TOWARD WEALTH
Make Your Money Part of the Plan
Build stronger habits around budgeting, saving, cash flow, financial organization, and long-term planning so your money supports the goals you’re working toward.
Saving & Budgeting — Build healthy habits around saving, spending, and managing your money.
Debt Management — Create a strategy to manage debt and strengthen your financial position.
Long-Term Wealth — Build consistent financial habits that support lasting wealth over time.
Credit to Keys™
What Are You Building Toward?
This is where preparation starts turning into possibility. Credit to Keys™ is the M'Jaye Money Skool community — credit education, resources, accountability, and real-estate readiness for the road to your own front door.
Understand It. Strengthen It. Use It.™
Real-Estate Investing
Build Beyond the First Key
Homeownership can be more than a milestone — it can be part of the bigger life you're building. Strengthen your financial readiness today so you can feel more prepared for the opportunities you may want to pursue tomorrow.
Investment Property — Understand the fundamentals of evaluating property for investment.
Asset Building — Use real estate as a potential path toward building long-term assets.
Long-Term Ownership — Think beyond the first property and plan for sustainable growth.
Lifestyle + Travel + Family
The Life You're Building Toward
Home. Business. Travel. Family. Flexibility. Getting financially prepared won't make anyone rich overnight — but it creates options, and options are what the life you're working toward is built on.
Home & Family — Build toward the stability, comfort, and experiences you want for your family.
Travel & Experiences — Create room for travel, meaningful experiences, and the freedom to enjoy them.
More Options — Financial preparation can give you more flexibility to pursue the life and goals you’re working toward.
Work With Michelle
Private consultations, on your schedule
One-on-one time with Michelle Johnson — paid sessions, booked online, confirmed by
payment.
15-Minute Clarity Call
For one focused question, quick direction, or help determining the appropriate next step.
M'Jaye Strategy Session
A 45-minute private strategy session focused on your current situation, goals, readiness, and personalized next-step strategy.
About M'Jaye Money
Meet Michelle Johnson
FOUNDER OF M’JAYE MONEY
M'Jaye Money was built on a simple idea: progress begins by understanding where you stand. Michelle created Start Where You Stand™ to turn information into strategy and strategy into action — through education first, straight talk, and responsible guidance.
FAQ
Questions, answered honestly
The things people ask most before checking their readiness.
How does credit restoration work?
We start by reviewing your credit reports from all three bureaus — Equifax, Experian, and TransUnion. We identify items that appear inaccurate, incomplete, outdated, or unverifiable, then prepare and send disputes to the bureaus and the companies reporting the information. By law, the bureaus must investigate and respond, usually within 30 days.
Will my credit score go up?
No — and you should be cautious of any company that promises a specific score increase or deletion. What we provide is a thorough review, properly prepared disputes when appropriate, and clear communication about your file throughout the process.
How long does the process take?
It depends on your file. Credit-reporting agencies generally have investigation periods established by applicable law, and timing can vary based on the circumstances of each dispute. The length of the process varies based on each client’s credit profile, the issues being addressed, and the responses received from furnishers and credit-reporting agencies. We'll give you a realistic picture after reviewing your reports.
What kinds of items can be challenged?
Common examples include late payments, collections, charge-offs, repossessions, bankruptcies, hard inquiries, medical bills, evictions, and student loans — when they are reported inaccurately, incompletely, or can't be verified. Accurate, verifiable items generally stay on your report until they age off.
Is credit restoration legal?
Yes. The Fair Credit Reporting Act (FCRA) gives you the right to an accurate credit report and the right to dispute errors. The Credit Repair Organizations Act (CROA) sets the rules companies like ours must follow. You can also dispute items on your own for free — many people simply prefer experienced help.
Know Where You Stand. Build What's Next.
Three clear ways to start — pick the one that fits where you are today.
Strategy • Education • Empowerment
Built for Generational Impact.
M'Jaye Money provides credit education, credit restoration support and financial readiness guidance designed to help clients understand where they stand and make informed decisions about what comes next.
Site
Legal
5900 Balcones Drive #16473, Austin, TX 78731
M’Jaye LLC is the legal operating company, and M’Jaye Money is the public-facing brand. M'Jaye Money provides credit education, credit restoration support and financial readiness guidance. We do not promise specific outcomes, credit score increases, or deletions of any kind. Results vary based on each individual’s situation and the accuracy of the information reported. Under the Fair Credit Reporting Act, you have the right to dispute inaccurate information on your own, free of charge.
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