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Jones Financial Credit Repair

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Jones Financial Credit Repair is a credit restoration company located in Modesto, California. The company offers a four-step credit restoration program which, according to the company’s website, generally takes clients about three to six months to complete. 

Like many other services within the credit repair industry, Jones Financial Credit Repair provides a free consultation as well as an anytime cancellation policy. It’s important to note that the company does not offer much information online, so potential clients will need to contact the company directly to get more details. 

Read on to learn more about this company’s credit restoration program and services.

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The Good

  • Free Consultation
  • Four-Step Credit Restoration Program
  • Anytime Cancellation Policy 

Free Consultation 

Many companies within the credit repair industry offer a free credit consultation service. Jones Financial Credit Repair is no exception. The financial company offers a 15-minute free consultation service to all of its potential and new clientele. 

Consumers can book online or call the company directly to sign up for a free consultation. Before the consultation commences, the company asks that consumers provide copies of all of their credit reports. To do this, consumers can either mail in hard copies directly to the company or upload them via the company’s online client portal.

Consumers also have the option of signing up for a credit monitoring service — one that provides access to all credit reports. Once signed up, consumers can give Jones Financial Credit Repair’s staff access to their login information so the company can obtain their credit reports. 

Four-Step Credit Restoration Program

Jones Financial Credit Repair follows a four-step credit restoration program:

  • Receive copies of consumers’ credit reports. 
  • Perform an in-depth credit analysis.
  • Challenge incorrect/inaccurate negative items. This can be the longest part of the process.
  • Receive updates from the credit bureaus and then update the consumer’s credit file on hand. This step is also when the company will follow up with the credit bureaus if it notices that the item remains unchanged. 

Although this program doesn’t necessarily differ that much from what other companies in the industry offer, it appears to be fairly structured and comprehensive. 

Anytime Cancellation Policy

Unlike some other credit repair companies, Jones Financial Credit Repair offers an anytime cancellation policy. According to the company’s website, clients are not charged for services until services are administered and clients can cancel their credit restoration service at any time throughout the duration of the program. 

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The Bad

  • Limited Online Information 
  • No Online Educational Resources 
  • Standard Service

Limited Online Information 

It’s important for potential clients to know that the company does not provide much information regarding its credit restoration services on its main website. 
The company does not disclose how much its services cost, what payment options are available, its staff credentials and qualifications, whether or not it provides consumers with a refund, etc. This type of information, which consumers can usually find on other company websites, is important to know upfront. 

Those are interested in learning more about the company and what it has to offer must call via the phone number listed online, reach out to the company via email or social media, or connect via live chat on the company’s website. 

No Online Educational Resources 

Unlike many companies in the credit repair industry, Jones Financial Credit Repair does not appear to provide online educational resources that consumers can use to improve their financial and credit situations. Additionally, the company does not disclose whether or not it gives clients one-on-one access to a dedicated credit repair specialist or case manager. 

However, the company may provide additional resources after a consumer signs up for its credit repair service. 

Standard Service

In terms of credit repair services, Jones Financial Credit Repair is fairly standard when compared to what other companies offer. For instance, the majority of the companies in the credit repair industry offer a free credit consultation service as well as a similar 30 to 90-day credit repair program.

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The Bottom Line

Jones Financial Credit Repair offers a free consultation, a four-step credit restoration program, and access to a client portal. Additionally, the credit repair company allows clients to cancel credit repair services at any time throughout its program which some companies in the industry do not allow. 

Although the company’s services are fairly structured, they don’t seem that different from what other companies in the industry offer. For example, most credit repair companies provide a free consultation and a similar credit repair program layout. 

Additionally, the company does not provide much information on its main website which can make it difficult for consumers to learn about its credit repair services and pricing. Consumers who wish to get more information have to reach out to the company directly or book a free consultation. 

All things considered, Jones Financial Credit Repair may be a good fit for you if you are searching for a 30 to 90-day standard credit repair program. However, if you are looking for a company that offers a good refund policy or a company that provides consumers with online educational resources, you might want to check out other credit repair services. 

If you are interested in Jones Financial Credit Repair, we recommend that you contact the company directly and read several client reviews to learn more about the company. 

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