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Frequently Asked Questions

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It’s a pretty normal question to ask. The honest answer is that it depends on your goals and whether you follow the game plan that we created for you. Most of our clients see results within the first 45–60 days. That’s one of the best parts of choosing JS Financial Service. We look at your situation and build your game plan. Your game plan focuses on the areas that will have the most impact. We at JS Financial Service get to work quickly so that you can begin seeing results as quickly as possible.
Yes, credit training is legal, and our credit education and document processing services will help you use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable timeframe (usually 30 days), it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, chargeoffs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens, and student loans.
There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent on your situation. The game plan created and the plan selected is designed for you to complete the program within 365 days. We work with you, but we also need you to work with us.
​Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
​Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points. See full statistical breakdown.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

You are entitled to a 100% refund on all monthly payments if:
– You do not remove more than 25% of all the negatives worked on.
– You have had six months from the time you retain our services.
– You have at least four negatives on the credit report at the time of sign-up.
– You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
– You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
(Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).
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Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

Terms and Conditions

Prior to starting credit education and document processing services, you will sign a client agreement along with the following:

  1. Credit Service Agreement
  2. Authorization for Credit Repair Action
  3. Consumer Credit File Rights (CROA Disclosure)
  4. Right Of Cancellation Notice

The services we perform may include

  • Document preparation and credit education.  We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports.
  • We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.
  • You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies.
  • Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours. 
 
In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.
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It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney. ​

Privacy Policy

We have created this privacy policy (hereinafter the “Privacy Policy”) in order to disclose our information gathering and dissemination practices. We understand the importance that Internet users place on privacy and have designed our service with this in mind. You agree to this Privacy Policy, in its entirety, when you: 1) access or use our “Website”); and/or 2) select and register for an offer(s) on the Website by clicking the offer(s) presented. If you do not agree with the terms and conditions of our Privacy Policy, please do not use or access the Website. If you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for direct marketing purposes, please e-mail us.

​Information We Collect

​The information that we collect is generally limited to personal information about you that you submit on the Website. The personally identifiable information that may be collected includes: your name; address; email address; telephone number; fax number; information about your interests in and use of various products, programs, and services; and education level and interests. Although we are not collecting credit card information at this time, we reserve the right to do so in the future. To the extent that customer credit card-specific information is collected by our company and any of our affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the customer’s prior informed consent. Notwithstanding the foregoing, we and our affiliates and subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific customers but they will not share this credit card information with third parties without the customer’s prior informed consent. Like most standard website servers, we use log files. Log files track anonymous user information including, but not limited to, Internet Protocol (“IP”) addresses, browser type, Internet Service Provider (“ISP”), referring/exit pages, platform type, date/time stamp, and number of clicks. This information is tracked in order to analyze trends, administer the Website, track users’ movements in the aggregate and gather broad demographic information for aggregate use. The information tracked via log files is not linked to personally identifiable information.

​Cookies

The Website uses a “cookie” to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer’s hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to reenter information each time that you visit the Website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.

​How We Use Your Information

​Any personal information that you supply to us remains your personal property. However, by submitting that information our company, you grant us the right to use your personal information for any legal purpose including, without limitation: a) providing promotional offers to you via email advertising and/or online banner advertising; b) transferring the personal information that you provided to a third party, when necessary, to receive a product, service, or information that you may have requested from such third party while using the Website; c) tracking compliance with our Terms and Conditions; and d) for validation, suppression, content improvement and feedback purposes. By submitting your information to the Website, you grant our company the right to use that information for marketing purposes, and agree to receive email marketing from the Website. We may maintain separate email lists for different purposes. In order to end your email subscription to a particular list, you must follow the instructions contained in any email correspondence that you receive from us. Unsubscribing from one list will not automatically unsubscribe you from all email lists. We only send email marketing to individuals that have agreed, whether by visiting this Website or through third party websites, to receive email marketing from us. We do not send unsolicited bulk email. As a result, certain statutes, requiring particular formatting for unsolicited bulk email may not be applicable to the bulk email that is sent by our company. Though we make every effort to preserve user privacy, we may be required to disclose personal Information in some instances, such as: 1) when required by law wherein we have a good faith belief that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that our company is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our terms and conditions or to commit unlawful acts. Moreover, you hereby consent to the disclosure of any record or communication to any third party when our company, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time.

​​​Sharing of Information

Our company provides you with the opportunity to receive special offers, products and/or services from other third-party companies. To receive such offers, products and/or services your personally identifiable information supplied to us during the registration process will be shared with such third-party companies so that they may provide the product or service to you that you have ordered from them without requiring that you first complete another registration form. By submitting your e-mail address at the Website you agree to receive e-mail marketing from our company. We may share our user information and/or join together with other businesses to bring selected opportunities to our users. We are able to offer third party services to you, in part, based on your willingness to be reached by our third-party advertisers. In addition, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R.

Money Back Guarantee

The goal of credit repair is to remove questionable negative information from credit reports. This is not an exact science, and there are cases in which we may be unsuccessful. Our clients are protected with our 180-day warranty.
If you sign up for a monthly service with JS Financial Service and do not see any questionable items deleted from your credit in 180 days or your score hasn’t increased, you will be entitled to a full refund of your monthly fees.
This does not mean that your credit will be fixed completely during that period, but you should see some of your questionable negative items deleted, an increase in your score during this period, or your money back.
The money-back guarantee will be strictly subject to your complying with the following terms and conditions:
Eligibility for a refund does not start until day 180. You must be an active participant in the program for 180 days. A cancellation or a missed payment during the initial 180 days of the program is void of this guarantee.
You can mail, fax, or email JS Financial Service. proof of your identity, such as a copy of your driver’s license and a copy of your social security card, within two (“2”) days of the effective date of this agreement.
You make all payments due and owing to JS Financial Service per this agreement in a timely manner.
You do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program begins.
Your mail, fax, or email JS Financial Service all correspondences relating in any way to your credit report within seven (“7”) days of receiving said correspondence.
You agree to give JS Financial Service ten (“10”) business days from the date you have requested a refund, and we will receive the letter to allow JS Financial Service adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.

Partner Program

Are you a mortgage, real estate, tax professional, attorney, auto dealer or a professional in any industry that is dependent upon clients with good credit?
If the answer is yes, then partner with our company to make your clients credit worthy. Refer your credit-challenged client to us, we will work to increase their credit score in record time and we always refer them back to you for your services. You can track your client’s progress in our Client Login Portal.  When your client logs into our web portal, the first thing they will see is your photo and contact information as a reminder of their goal and the professional who refered them to us! Just fill out the form below.
  • 24 Hours Status Updates for our Clients and Partners from any computer or smart phone
  • Bilingual English and Spanish
  • Email notifications
  • Bank-level security
  • Credit Education
  • Marketing tools for our partners