Consumer Credit and Debt Counseling

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Free Credit Consultation

You will be given a free credit repair consultation to identify individual needs on your credit report. Based on our assessment we will assign you the professional credit repair consultant best qualified to represent you. Your credit repair and restoration consultant will handle your case from beginning to end of the credit repair and restoration process. 

Dispute Process

Using the clients consumers right under the FCRA (Fair Credit Reporting Act). We initiate a dispute process on all negative inaccuracies on the credit reports directly with the three major credit reporting agencies Experian, TransUnion, and Equifax. The results are then completed and obtained by the client within 35-40 days. A final round of disputes will follow for any remaining negative inaccuracies. 

Cease and Desist Collections Activity Process

Using the client’s consumer rights Under the FDCPA (Fair Debt Collections Practice Act), we provide the correct legal letters to stop any and all collections calls to the home or business and also stop the collection agencies from contacting our clients by mail. This process is done in conjunction with the dispute process  

Legalized Settlement Alternatives

We assist our clients in settling accounts that are either in collection or charged off and were verified, and were unable to be removed through the dispute process. This is a step above and beyond where any other credit repair company will go.  

Reestablishing Credit

Our final service is reestablishing credit. We use many affiliate financial institutions to help our clients establish positive trade lines and credit accounts on their credit reports.  

Credit Repair and Restoration Packages

Client accounts are individually priced. Each Credit Consulting Client is different. We reserve our right to refuse service for any reason. Clients are billed once all repairs are completed. JD Farris & Associates does not accept prepayment for credit repair & RESTORATION Services


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