fbpx
Skip to content
  • We do not charge an hourly fee
  • We charge less than you would pay for a few hours with an attorney
  • We do not stick you with any hidden fees
  • We will be there for you every step of the way

We DO NOT ACCEPT ANY GEORGIA CLIENTS AT THIS TIME for paid services.
More information can be found on our Terms and Conditions page.

The below links to our recommended credit monitoring accounts.

Our Credit Repair Process

Day 1-3

Free Consultation & Enrollment

After completing your consultation along with submitting payment credentials for your billing you will be given instructions via your welcome email and welcome text message on the necessary steps needed to move along with the process.
Step 1Enrollment Steps

Sign Your Agreement

Contracts! Every company has them! All parties involved need them. But don’t worry! Next Step Credit Repair does not commit clients to a long-term agreement. Clients are enrolled on a month-to-month basis and reserve the right to cancel their membership at any time! Nevertheless, clients must sign with their digital signature in order to move forward to Step 2.

Step 2Enrollment Steps

Setup Your “IdentityIQ” Monitoring

In order to provide credit repair, we must first be able to TRACK & MONITOR the challenges on a regular basis. This is why Next Step Credit Repair has partnered with IdentityIQ to provide you with high-quality consumer data reports. Not only do we “Track” “Build” & “Master” your credit. You get money, credit, and identify fraud monitoring all in ONE place!

Step 3Enrollment Steps

Proof of Identity

Upload photocopies of your proof of identification (one-by-one) in your secured client enrollment portal. These documents may include but are not limited to. (i.e. Driver’s License, Passport, SSC, Tax Return, W2, and proof of address) CONGRATULATIONS… YOUR JOB IS DONE!

Day 4

Let The Dispute Process Begin!

At JMS Consulting Firm, nothing makes us happier than to get our clients to this point! This is where magic can finally begin! By this time, we have completed your “JMS Action Plan Analysis” and we are now preparing your file to begin the disputing process and mailing out your letters. Keep in mind, EVERY SINGLE NEGATIVE ACCOUNT that we determine can be corrected is written individually to your specific profile. THERE ARE NO “COOKIE CUTTER” LETTERS HERE! Every client is different so we know that every letter must be different so that we can ensure we’re making the most out of every attempt in getting the greatest results.

Day 5-30

The Infamous “Waiting Game”

When a dispute is filed against a creditor, According to the Fair Credit Reporting Act, you must allow that creditor a legal 30 calendar days to respond to the dispute. Now I know what you’re thinking… Believe us when we tell you that we understand! Remember, PATIENCE & PERSISTENCE are the two most powerful tools we have in order to maximize your success and during this process, you will have to learn to be as patient as you can be. The reason why the Creditors are allowed these 30 days to provide a written response is:

  1. The credit bureaus are working with both your creditors and collectors to investigate the accuracy of each account in dispute.
  2. In the early stages of the dispute process, there is nothing we can legally do to speed this process up. Don’t be discouraged, there is still plenty of work to be done at JMS Consulting Firm!

This is why we will be emailing, texting, and communicating with you on a weekly, and in certain cases on a daily basis! Should you have any questions or concerns, definitely feel free to ask your Solutions Manager for support!

Day 31-35

New Reports and Scores

This is the time for us to re-evaluate and strategize!! New reports and scores! At this point in the journey, you should be receiving correspondence in the mail from the consumer reporting agencies regarding your first round of investigations. Please, as a courtesy, forward ANY & ALL CORRESPONDENCE to our office at support@jmsconsultingfirm.com OR you can upload your responses from the reporting agencies in the secure client portal. *Please note, it is imperative that we disclose that while JMS Consulting Firm is extremely proficient in Credit Enhancement and Restoration, there is no guarantee that everything will be removed with every dispute submitted. Please know that our goal is to get your credit reports cleared up with all 3 major consumer reporting agencies in the shortest period of time.*

Day 36-44

Wash…Rinse..Repeat

After we have reviewed your file as a whole, we will then follow up with all necessary consumer reporting agencies, original creditors, and send debt validation letters to any remaining debt collectors. · We repeat this process, month after month until we get the desired results from the parties involved. The goal is to never take “no” for an answer and fight until you have one. · Last month, we gave them reason “A” as to why we believe they should remove the item; it didn’t work, so now we will give them reason “B”.

Day 45-60

Start Adding New Credit

Now is an excellent time to start rebuilding and re-establishing your credit history with the credit bureaus. Luckily for you, JMS Consulting Firm has it’s very own CREDIT BUILDER CREDIT CARD. If you need advice as to which starter credit cards you should start applying for, simply contact your Solutions Manager to view our recommendation.

Day 65+

Continue Fighting On Your Behalf!

Fighting is in our roots! Although you may notice the results slowing down here, that does not mean that is it and you must wave the white flag. Absolutely not! Each month, with each round, we get more and more aggressive until we are victorious. If you have questions about the process or what’s in store you can speak to your Solutions Manager for more details. Always Remember… Trust the process! Continue to Educate yourself! Stay flexible and be willing to take suggestions! And YOU WILL TRIUMPH AND BE SUCCESSFUL. Thank you for letting us be of service! We love you.. and God Bless!

Want a Free Consultation & Credit Analysis?

Schedule your appointment below!

Pay Per Delete

Pay Per Delete

Learn more about how we price the deletions for our Pay Per Delete plan and how affordable we make it for you.

Show users that business credit is paramount for a business's success.

Business Credit

Start building your business credit with Dun and Bradstreet, Equifax Business, and Experian Business and get Credit Repair for FREE!