Professional Credit Restoration Service

 With thousands of credit repair companies out there, it can become a daunting task to find the one that will be the best for you, the customer.

JD Farris & Associates have successfully helped clients improve their score for years.  Improving your credit, which most think is impossible, we make a  reality. While obtaining and working with your personal information we  understand the extreme need for your confidentiality, and are sensitive  to all other additional needs personally to each and every individual  client. JD Farris and Associates will work efficiently to question bankruptcies, tax liens, bad debt, accounts in collection, late payments to overall improve your credit score. We put our customers first  and have built a foundation made up of trust and integrity and are very proud to help repeated clients and referrals. We will not stop until you are 100% satisfied.

Let Us Fight for your Past and Build Your Future !

The Credit Repair Specialist recognizes all current credit laws and  offers a comprehensive, yet simple approach to improve credit ratings. We are able to assist consumers in exercising their  rights under the Fair Credit Reporting Act (FCRA), the Fair and Accurate  Credit Transactions Act (FACTA), Fair Credit Billing Act (FCBA), Fair  Debt Collection Practices Act (FDCPA) and the Consumer Protection Credit  Act (CPCA).

We dispute inaccurate, obsolete, erroneous,  incomplete and unverifiable information reported to the four major  credit bureaus namely: Experian, TransUnion, Equifax and Innovis in  order to help improve consumers' credit ratings. Under the (FCRA)  consumers have the right to challenge information on their credit reports based upon the "completeness and accuracy" of all reported  credit items. If, after a reinvestigation by the credit bureaus, the  disputed item is found to be inaccurate or can no longer be verified,  the credit bureau shall promptly delete such information. Consumers have  the right to dispute any and all credit items that are not 100%  accurate and complete.

Contact us and find out how you can legally and efficiently dispute  bankruptcies, tax liens, bad debt, accounts in collection (whether  charged off or paid), late payments and improve your credit score. All  inquiries are confidential, and satisfaction is guaranteed. "The Federal  Trade Commission" regulates credit repair companies under the "Credit  Repair Organizations Act". The Credit Repair Specialist does not  encourage and strongly opposes the use of illegal practices such as  "file segregation", or the practice of obtaining new social security  numbers and Federal Tax I.D. numbers in order to obtain a "clean" credit  report.  

We have successfully removed the following items:

Late Payment Collections Charge-offs Bankruptcies Inquiries Foreclosures Personal information clean up Judgments Tax Liens Repossessions Identity Theft/Fraud Opt out Establish Credit Chex System Report Repair  

JD Farris & Associates helped clients  remove thousands of errors in 2016.  That’s a lot to be proud of!  

When it comes to credit restoration, you need results.  You need experience.  You need a local company! You need JD Farris and Associates

Why JD Farris & Associate?

JD Farris & Associates leverage your rights with our vast experience in consumer reporting laws. We engage your individual creditors, and the credit bureaus.  We work on your behalf to help ensure that your credit reports are accurate, fair, and completely substantiated. 


During the month of September, Madison County Residents can enjoy a 25% off savings! Call 936 294 6679 for details!

How much does Credit Restoration Cost?

Your credit score is a key factor in determining the interest rates you  pay for auto loans, mortgages, credit cards, apartment renting, and  more. Fortunately, your credit reports determine those credit scores.  Pay a one time fee as low as $300.00 and you can take action on your credit reports, and potentially save yourself hundreds of dollars in monthly interest payments.