We guarantee that you will see an increase in your credit score or you are entitled to a 100% refund.*
The majority of clients see an improvement in score of 50-150 points within 3-6 months. Some increases have been as high as 200 points!
JP Credit Repair is a family owned and operated credit repair business. We help our clients gain a better understanding of their credit reports, assist with the removal of inaccurate negative items, and help people get the most out of their credit.
With years of experience, we specialize in helping our clients get to a point where they can be approved for a home loan. We work with many of the major lenders in the central Texas area and have helped many people get into new homes. We have partnered with several real estate agents and lenders in central Texas to make the dream of home ownership come true for people who would otherwise not be able to purchase a home. We have several rent then own properties currently available through our affiliates.
We pride ourselves on operating our business with integrity while adhering to the rules governing Credit Services Organizations laid out by the Federal Trade Commission.
June 21st, 2014
This is a free event where potential home buyers can learn about the buying process, learn about new home loan programs that are available, learn the pros and cons of buying a home, and learn about options for people with challenged credit. Attendees can take advantage of several benefits such as receiving a free copy of their credit report as well as discounts on credit repair programs.
Flexibility for your peace of mind
We have two different credit repair programs available to suit your credit needs.
- Economy Pricing
- 6 month program
- 1st class postage
- Secure Client Portal
- Flexible payment options
- 100% money back guarantee*
- Best Value
- 6 month program
- Fastest results
- Certified Mail
- Premium letter tracking
- Secure Client Portal
- Flexible payment options
- 100% money back guarantee*
Contact us today for more information!
Rent then Own Opportunities
The following properties are available through our affiliates for qualified individuals with less than perfect credit. These are rent then own properties that will require a six month contract. For more information on any of these listings, please call (888) 266-6004 or e-mail us at firstname.lastname@example.org.
Stunningly perfect home. The owner's care and cleanliness shines through in every room of the house. Gleaming hardwood floors throughout the living and all bedrooms. Tile flooring in the enormous eat-in, island kitchen and all other wet areas. High ceilings, beautiful finishes, plant ledges, it's just a beautiful home inside. And outside you'll love the oversized covered back patio with brick columns and room for all your backyard toys, plus a 6' privacy fence, irrigation system, and a perfect layer of St. Augustine grass.
4br Home w/Office
Great home with fully upgraded kitchen with granite counter tops. This home features wood floors throughout.
Beautiful remodeled home in Killeen!
Unbelievably beautiful home! Recently cosmetically and mechanically remodeled, this home has an almost entirely new interior, from paint and flooring to cabinets, counters, fixtures, doors, and even an entirely new HVAC system. The work was done with an eye toward detail and craftsmanship, having remodeled the home to better than it was new. Four bedrooms, two living (or two dining), a huge great room with vaulted ceiling, island kitchen with all new appliances, cabinetry, and granite counters, and so much more.
Lovely 4br home
This lovely home features a large great room with pop up ceiling, crown molding, and corner brick fireplace. The kitchen is huge and features plenty of cabinet space, a island, tiled backsplash, and stainless steel appliances. This home also features a spacious breakfast nook and a large formal dining space. The master bedroom is private with a large bath that includes a walk-in closet, a marble corner soaker tub, oversized separate shower, and separate vanities. Top it all off with a large covered back porch, garage door openers, and a wood privacy fence.
3br/2ba Home in Killeen
This home is well maintained and has lots of huge closets - Gorgeous Italian tile with wood look in Kitchen and halls, new wood floors in the living and bedrooms. Also, new paint through out.
4br/2ba in White Rock Estates
Elegant, affordable, and better than new!! The large living room features picturesque windows, a wood burning fireplace, wood floors, high ceilings, Bose surround sound and a shrunk size wall, this room will fit almost anyone's large furniture. Step out back for lots of privacy and a pool size backyard with a wood privacy fence and shed for added storage. Save on energy with solar screens, ceiling fans in all rooms, and a full security system. This home has just had new interior paint and new carpet in the bedrooms.
Charming 3br w/Office
This lovely home has arched entryways and abundant natural light throughout the entire home. The spacious eat-in kitchen includes a moveable island, tile floor and backsplash, built-in microwave and a side-by-side refrigerator with ice water dispenser in the door. A breakfast bar provides separation to the family room, which has a fireplace, high ceiling, crown molding and a glass door to the patio. The master bath has 2 walk-in closets, a jetted marble tub with separate shower and separate vanities.
3br home in Copperas Cove
Beautifully remodeled! Just got interior paint, various repairs, and all new ceramic tile floors, vaulted ceiling in living room and carpet in the bedrooms. Looks great!
Entirely remodeled home in Copperas Cove
Entirely remodeled and looking sharp, this home has almost 1500 square feet and it's all in great shape. Big kitchen with lots of counter space, two large living areas, and an enormous breakfast area. New paint and siding on the exterior, and new window screens.
Great family home in Nolanville
This 4 bedroom 2 bath home is located in a great family neighborhood. With new carpet and a beautiful kitchen, this home will not dissappoint. There is also an air conditioned playhouse in the large back yard that can also be used for storage or as a workshop.
Learn more about credit and credit repair
No credit repair company can do what you can't do yourself. Credit repair organizations are governed by very strict laws. The difference is experience. Anyone can work on their own car. However, there are times when it is best to take your car to the professionals. The same goes for credit. Although a credit repair company can't do anything that you couldn't do for yourself with enough time and effort, not having a strong knowledge of how your actions may affect your credit could have negative consequences.
What can you do now to improve your credit score?
Pay your bills on time.
35% of your credit score is based on your payment history. If you allow a payment to go 30 days past due it can have a dramatic impact on your credit score. One recently reported late payment can drop your score by as much as 50-100 points. If you are behind on any payments, get them caught up as soon as possible and time will heal the wound.
Pay your credit cards down.
30% of your credit score is based on your credit balances. Contrary to popular belief, carrying a $0 balance on a credit card does not help your credit score as much as you might think. On the opposite end, carrying a high balance on your credit cards can severely lower your score. The ideal area is to utilize 20%-30% of your revolving credit. For example, if you only have one credit card with a limit of $1000, you should try to maintain a balance of $200-$300. Doing so will provide a modest boost to your credit score. If you go over 30%, however, your score will start to be negatively impacted. The idea is to show lenders that you are utilizing your credit in a responsible way.
Don't close old accounts.
15% of your credit score is based on the length of your account history. Opening a high number of new accounts will lower your score because you are decreasing the average age of your accounts and this is percieved as increasing lender risk. Also, when you open several new accounts in a short period of time, lenders will be afraid that you are over extending and you are putting yourself at a higher risk of default. If you maintian just a few accounts for a long period of time with good payment history it can have a huge positive impact on your score because lenders will see you as less of a risk. When you close old accounts it drops the average age of your current accounts and can make you look like more of a risk and lower your credit score. Having a shorter credit history also increases the negative impact that late payemnts and high credit card balances can have on your credit score.
Increase your available credit.
This goes hand in hand with paying your existing credit card balances down. The more available credit you have, the less likely you are to default on any of your current obligations. On the same token, Having multiple accounts with low limits can negatively impact your score because you have more payments yet not the available credit to go along with it. For people trying to build their credit we recommend an Addvantage credit line that will dramatically increase your available credit and approval is guaranteed.
How much does it cost?
We have two different programs and the price may vary. We offer discounts for couples as well as certain waved fees for active duty military. Call us at (888) 266-6004 for more information or you can request more information here.
How long does it take?
All of our contracts are six months long. If doesn't always take the full six months to complete the process but it is sometimes necessary. How long it takes really depends on the state of your credit at the time we start. What we don't do is drag you on with never ending monthly payments. It is in both yours and our best interest to get the work done as quickly as possible.
How much will my score go up?
It depends on a lot of factors. When you speak to one of our consultants, we can give you an estimated range where your scores may end up based on experience but we cannot give or guarantee a specific number. Some clients have had their scores go up as much as 200 points while others have only seen a modest increase but enough for them to quality for a home loan.
What kind of items can be removed from my credit?
Pretty much anything. Any inaccurate or unverifiable information can be removed from your credit report. This includes: late payments, charge-offs, collections, reposessions, foreclosures, bankruptcies, tax leins, judgements, etc...
How do you fix my credit?
We will go over your credit report and find the items that are negatively affecting your score and find what can be improved. We then ask the credit bureaus to verify the validity of those items. After this first round of disputes, we take any items that come back as verified and follow up and ask for proof of the verification. With several other tools at our disposal we are able to acheive a high rate of removal of negative items, thus improving our clients' credit scores.
How will I know its working?
Around 30-60 days after signing up, you will start receiving responses from the credit bureaus on our investigation requests. These responses will state what items have been deleted, verified or updated. Generally speaking, if an item is deleted your score will go up.
I just signed up, what do I do now?
If you have already provided us with any requested documents to get started, all you have to do now is wait. By law, the credit bureaus have 30-45 days to complete their investigations and respond. Once you receive your responses you must get them to us as quickly as possible as it is the responses that tell us what we need to follow up on. If we do not receive the responses from you, you will not receive the full benefits of our services.
Will you keep me up to date on my progress?
Yes. Within a few days of signing up, you will receive a unique login to our Client Portal. Here you can check to see what items are currently in dispute, what items have been deleted/updated/verified, as well as send private messages to our team. You will also receive e-mail updates everytime we send out a new set of letters for you.
Making the dream a reality.
"My husband and I were in a bad situation on finding a house. We had some credit issues and it really looked like we were at the end of our rope. Then we were referred to JP Credit Repair and through this company our problems were solved. They helped us with our credit and within a few months we now live in a beautiful 4 bedroom 2 story home. Thank you JP Credit Repair!"
"When we first moved to Texas, we knew right then that this is where we want to settle down and buy a home. To our dissapointment, we were turned down for a home mortgage in 2012. We tried to correct those things by dealing with the credit bureaus ourselves only to find out that it was a difficult task dealing with them as a 'regular consumer.' In December of 2012, we put those issues into the hands of JP Credit Repair. That proved to be the best decision we ever made because over the next few months we were delighted to see the results and improvements in our credit scores. Needless to say, we were able to buy our dream home in May 2013. Thank you again JP Credit Repair!"
Become an Affiliate
Call Us Today: (254) 680-1900 ext. 102
Increase your potential
Becoming an affiliate of JP Credit Repair means you can help more people and increase your income potential. How many clients do you turn down every day due to their credit situation? If you do the math, how much commission are you letting walk through the door? We provide a solution to this problem.
Everyone goes through tough times at some point in their life. For some people, this translates into an injured credit score. Working with JP Credit Repair allows you to give these people a second chance. We have a high success rate of taking clients with credit scores as low as the 400s and bringing their credit to a level where they can get approved for a home loan. We specialize in the home buying arena and our results speak for themselves.
For more information on the services we offer and our prices call:
JP Credit Repair
3402 S. WS Young Dr.
Killeen, TX 76542