J&J Credit Repair (2024)

/69reviews

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Refinancing
mortgage refinancing
Кредитование
refinancing, credit broker

Phone number

(254)768-35...— show

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Address

Killeen, TX 76542, 1010 W Jasper Dr Suite 9
Working hours

Sun

24h

Mon

24h

Tue

24h

Wed

24h

Thu

24h

Fri

24h

Sat

24h

Official website

jandjcreditrepair.com

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The prices on this website are for informational purposes only. They are not final and not a public offer. The management reserves the right to change prices.
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Reviews about J&J Credit Repair

4.7

/ 69 reviews and28 ratings

Rating is formed based on customer reviews, ratings and telephone surveys.

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  • Brother B.

    January 12, 2023, 11:51 pm

    J & Jare the best. They helped mebuild mycreditup, now I'm the proud owner ofmy own food truck. These guys are worth every dime.

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    • Bryant J.

      January 11, 2023, 4:27 am

      This company isA1 very professional and dependable. There was never any hesitation incommunication. Mycredit score was inthe low five hundreds and now inless then 90days I’m inthe mid 700s

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      • Keyokor

        January 10, 2023, 10:47 pm

        HAPPY NEW YEAR TOME & EVERYONE HERE. LET MEJUST SAY THAT THIS ISBY FAR THE BEST CREDIT REPAIR BUILDING COMPANY EVER. I'VE BERN AROUND THE BLOCK AFEW TIMES AND NOEXPERIENCE ASGREAT.. THIS ORGANIZATION SET THE BAR FOR TIME & QUALITY. INTHE 1ST 30DAYS REPO WAS GONE FROM 2BUREAUS ALONG WITH 4OTHER NEGATIVE ITEMS INCLUD8NG CHILD SUPPORT FOR BOTH MYHUSBAND & MYSELF. MEBEING ANXIOUS WAS ALWAYS CHECKINGIN. MYHUSBAND WAS MORE THE LET METRUST HIS PROCESS. BUT TOHIS SURPRISE HEDIDN'T NEED90DAYS. JAKEEM WAS EXCEPTIONAL WHEN ITCAME TOTHE 2ND ROUND OFDISPUTES SOTHAT WEWOULD GET THE SAME RESULTS ALL ACROSS THE 3BUREAUS. IWAS ABIT HESITANT AT1ST BECAUSE OFPAST EXPERIENCES BUT THE LEVEL OFCONFIDENCE HEDISPLAYED INHIMSELF CALMED THAT. WEHAVE BEEN BLESSED BYTHIS COMPANY AND WE'RE HONORED TOGIVE 10STARS INREVIEW. DON'T WAIT DON'T THINK JUST DOIT WITH THEM.– show

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        • David R.

          November 4, 2022, 7:37 pm

          Friendly inexperienced staff! They really know what they are doing! Amazing way toreset and get afinancial life back ontrack!

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          • Kutuna W.

            November 4, 2022, 2:29 am

            Best experience I've ever had with getting mycredit repaired. They are very knowledgeable and always make sure that Iknow exactly what's going onand what toexpect. Very family oriented. Service isone ofa kind. Thanks J&J credit repair.

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            • Damarius B.

              November 4, 2022, 2:29 am

              Great experience they got mycredit upin not time! Great people towork with. Super attentive. Thanks for everything!!

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              • Gabriel V.

                November 4, 2022, 2:16 am

                In just 36days with using J&J credit repair and Keem. Boosted mycredit 142points from high five tomid 700’s. Truly amazing and sounded togood tobe true but it’s true!
                Thanks J&J

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                • Shawn S.

                  November 3, 2022, 11:48 pm

                  J&J Credit isvery reliable and professional. They not only helped mewith obtaining agreat credit score, Iwas also educated asto how tomaintain agreat credit score! Ithought Iknew itall, butno! Lol Ididn't. Thank you somuch J&J for assisting mewith buying mea newcar!! Blessings!

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                  • Toby M.

                    November 3, 2022, 8:19 pm

                    J&j Credit repair helped mewith all mycredit problems and now Ihave brand new car and Iwas able toreceive agreat personal loan

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                    • Carbajal, C.

                      November 3, 2022, 5:40 pm

                      J &J credit repair have helped me& several Family members repair our credit they are the best!! very profesional..i highly recommend them!!

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                      • marco b.

                        June 25, 2022, 11:46 am

                        1item was removed and that’sit! Once Imade acomplaint aboutit. Iwas blocked! Basically 25bucks month for smart credit which ucan’t cancel and 250upfront and 250after 30days for 1item! Soa scam! Trash personnel and hot garbage service! Don’t trustit! These positive reviews were paid for…..

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                        • Company's official reply

                          November 4, 2022, 12:51 am

                          I’m sorry you had abad experience, please reach back out sowe can fix this issue

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                        • Terrance D.

                          May 16, 2022, 8:09 pm

                          With J&J Credit Repair you can guarantee the best quality services when repairing your credit aswell asupdates onyour Journey. Inthe past Ilost thousands with acompany then hearing about J&J Credit Repair they came tothe rescue with results in30days. Ihighly recommend this company and their services.

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                          • Daporsha A.

                            May 16, 2022, 3:55 am

                            J&J Credit Repair help merepair mycredit the first time in2021Iwent from the 500to650injust afew months. Ithen had afinancial hardship and kinda missed upmy credit alittle but I’m back now trusting inthem tohelp merepair itlike new…If your looking for agreat credit repair company please give J& Ja try the staff isamazing and always here tohelp anytime.

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                            • Natasja H.

                              May 3, 2022, 9:03 pm

                              Highly recommend them!

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                              • Chere B.

                                April 5, 2022, 12:20 am

                                The best!!! Absolute living experience....paved myway back tocredit debt free financial freedom! THE GOAT!

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                                • Kat R.

                                  December 10, 2021, 1:51 am

                                  I came tothem byway ofa referral. Ibelieve some credit agency’s had meat arating of526. Divorce too anugly turn tomy credit and finances. Ireached out tothe company, they wenone judgmental. The representative pulled myreports. That same day they went towork.sendings letters. Setup mylogin account. Sent meemails, showing mestep bystep what they were doing. They helped toclean uperrors. And dismiss claims.

                                  Excellent communication! Iwould receive acall ormessage guiding met

                                  o dolittle things like pay anextra $30.00onthis bill tokeep your standing.Or. Avoid interest. They explained credit usage. Very important.
                                  The company provided mewith useful toll that’s enabled meto understand how toproperly use credit and more. I’m now inthe high 700’s. All inless than 18months.
                                  This ismy testimony
                                  – show

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                                  • Jp C.

                                    November 24, 2021, 9:02 pm

                                    Within 2months mycredit went from low 500’s to680and still goingup! Mostly due toall the accounts they’ve removed from mycredit report. Strongly recommend J&J for credit repair!

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                                    • Nate C.

                                      November 5, 2021, 1:15 am

                                      I appreciate j&j credit repair for providing outstanding service. Ihad been trying toget into this house but needed alittle help with mycredit. They were very professional and timely when itcame tohelping mein mysituation. Hands down top notch service. Highly recommend them for your credit repair needs!!!

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                                      • James P.

                                        October 18, 2021, 9:43 pm

                                        It's very rare these days tohave abusiness choose your wellbeing over their own gain. J&J credit addressed myconcerns and issues and said Ireally didn't “need” their services. After reviewing mycredit history they advised meon aresponsible financial plan and the tools toaccomplish mygoals! They did all this for FREE! Iwas ready tospend $$ and they encouraged meto put myfunds towards paying down mydebt! Ifyou need help they will dowhatever ittakes tobest serve you 10/10!!

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                                        • Heather R.

                                          September 14, 2021, 7:19 pm

                                          Very pleased with mycredit results! Very professional and answered all myquestions.

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                                          J&J Credit Repair (4)

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                                          Average rating- 4.7based on69 reviews and28 ratings

                                          • Killeen
                                          • Financial Organizations in Killeen
                                          • J&J Credit Repair
                                          J&J Credit Repair (2024)

                                          FAQs

                                          What is the best credit repair company? ›

                                          Best credit repair companies
                                          CompanyBest forBankrate Score
                                          CreditRepair.comAffordability3.6
                                          Credit SaintSimple credit repair options4.2
                                          Sky Blue Credit RepairCouples3.9
                                          The Credit PeopleDisputing many errors3.6
                                          2 more rows

                                          How to repair credit fast yourself? ›

                                          How to improve your credit score
                                          1. Check your credit report for errors. ...
                                          2. Prioritize paying on time. ...
                                          3. Work to pay down your debts. ...
                                          4. Become an authorized user. ...
                                          5. Request a credit line increase. ...
                                          6. Handle debt in collections. ...
                                          7. Consider opening a secured card. ...
                                          8. Get credit for other payments.
                                          Apr 30, 2024

                                          How long does credit repair take? ›

                                          Policies and procedures vary by creditor but will usually include back-and-forth letters to get everything in writing. On average, credit repair takes about three to six months. Your score should gradually improve throughout the process each time a creditor agrees to make a change in your favor.

                                          Can I pay someone to fix my credit? ›

                                          Yes, it is possible to pay someone to help fix your credit. These individuals or companies are known as credit repair companies and they specialize in helping individuals improve their credit score.

                                          Does 609 credit repair really work? ›

                                          There are some specific things that 609 letters can't do. In general, a 609 letter is not a legal loophole that consumers can use to remove accurate information from their credit reports. This means they can't relieve you of any verifiable debt.

                                          Is it worth paying for credit repair? ›

                                          Credit repair services can be costly, and there's nothing they can do that you can't do on your own for free. In most cases, learning how to fix your credit is the best way to go. Experian, TransUnion and Equifax now offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com.

                                          How to wipe your credit history clean? ›

                                          Credit cleanup guide
                                          1. Request your credit reports.
                                          2. Review your credit reports.
                                          3. Dispute all errors.
                                          4. Lower your credit utilization.
                                          5. Try to remove late payments.
                                          6. Tackle outstanding bills.

                                          How to get a 700 credit score in 30 days? ›

                                          Steps you can take to raise your credit score quickly include:
                                          1. Lower your credit utilization rate.
                                          2. Ask for late payment forgiveness.
                                          3. Dispute inaccurate information on your credit reports.
                                          4. Add utility and phone payments to your credit report.
                                          5. Check and understand your credit score.
                                          6. The bottom line about building credit fast.

                                          How fast can you fix a 500 credit score? ›

                                          For instance, going from a poor credit score of around 500 to a fair credit score (in the 580-669 range) takes around 12 to 18 months of responsible credit use. Once you've made it to the good credit zone (670-739), don't expect your credit to continue rising as steadily.

                                          Is it true that after 7 years your credit is clear? ›

                                          Highlights: Most negative information generally stays on credit reports for 7 years. Bankruptcy stays on your Equifax credit report for 7 to 10 years, depending on the bankruptcy type. Closed accounts paid as agreed stay on your Equifax credit report for up to 10 years.

                                          How much does credit repair usually cost? ›

                                          Key Takeaways. Credit repair doesn't cost anything if you handle the process yourself. If you hire a credit repair company to assist you, you'll typically pay fees of $19 to $149 per month.

                                          Can I go from a 400 credit score to 700? ›

                                          It could take several years to build your credit from 400 to 700. The exact timing depends on which types of negative marks are dragging down your score and the steps you take to improve your credit going forward.

                                          Who is the best credit repair? ›

                                          The best credit repair companies of May 2024
                                          • Best overall: Credit Saint. Credit Saint. ...
                                          • Best for couples: Sky Blue Credit. Sky Blue Credit Saint. ...
                                          • Best for low initial work fees: The Credit People. The Credit People. ...
                                          • Most affordable: Credit Firm. ...
                                          • Best track record: Lexington Law. ...
                                          • Best for additional features: The Credit Pros.
                                          May 9, 2024

                                          Can you pay to wipe your credit history? ›

                                          Pay for delete is an agreement with a creditor to pay all or part of an outstanding balance in exchange for that creditor removing negative information from your credit report. Credit reporting laws allow accurate information to remain on your credit history for up to seven years.

                                          How do I repair my credit myself? ›

                                          Essentially, they involve getting your credit report and systematically fixing inaccurate items that are lowering your credit score.
                                          1. Request Credit Report. ...
                                          2. Review Reports Carefully. ...
                                          3. Dispute Any Incorrect Information. ...
                                          4. Pay Bills on Time. ...
                                          5. Pay Off Delinquent Balances. ...
                                          6. Decrease Your Credit Utilization, and Pay Down Your Debt.

                                          Which credit company is the most accurate? ›

                                          One credit bureau isn't more accurate than another, rather, they may simply have different methods of calculating your credit score. It's important to note that all three bureaus are used widely in the U.S. None of them are more “important” than the others.

                                          Which credit agency gives the highest score? ›

                                          Of the three main credit bureaus (Equifax, Experian, and TransUnion), none is considered better than the others. A lender may rely on a report from one bureau or all three bureaus to make its decisions about approving a loan.

                                          What is the best company to build credit? ›

                                          NerdWallet's Best Credit Cards to Build Credit of June 2024
                                          • Chase Freedom Rise℠: Best for No-annual-fee card with rewards.
                                          • Chime Secured Credit Builder Visa® Credit Card: Best for Easy account management and guardrails.
                                          • Discover it® Secured Credit Card: Best for Secured card with clear upgrade path.

                                          How do I know if a credit repair company is legit? ›

                                          Recognizing a credit repair scam
                                          • Pressures you to pay up-front fees. ...
                                          • Promises to remove negative information from your credit report. ...
                                          • Requests you dispute accurate information in your credit report. ...
                                          • Refuses or avoids explaining your rights to you. ...
                                          • Tells you to not contact credit reporting companies.
                                          Nov 7, 2023

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