South & Central U.S. Loan Storefront Guide
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JMS Consulting Firm

Updated 2026-08-23 · 5,423 reviewed · 600 listed · Scored from 48 Google reviews · How we rank ›

4.9(48) 77 composite score See reviews on Google ✓ Google-verified
Bad Credit / No Credit CheckMortgage & Home Loans
JMS Consulting Firm
Services
Bad Credit / No Credit Check, Mortgage & Home Loans
Reviews
48

What recent reviews say

Most clients report meaningful credit improvements and strong communication; Keritan and his team earned particular praise for removing late payments and collections, with several reaching the 700+ credit tier. One detailed complaint warns that removed accounts may reappear after a month, requiring clients to pay hundreds or thousands for what turns out to be temporary fixes, with credit sliding back to its original state.

Praised for
  • credit score improvement
  • knowledgeable staff
  • responsive communication
  • account/collection removals
  • patient and supportive approach
Watch-outs
  • accounts reappear after removal
  • high costs with temporary results
  • credit returns to baseline
helpful-staffknowledgeable-agentsprofessional-servicefriendly-staffhigh-interesthidden-feespredatory-terms
Best for: people with late payments and collections looking for hands-on credit repair guidance
Think twice if: you are concerned about permanent results; one reviewer reported disputed items reappeared after removal and costs were high relative to temporary improvement

Strengths

  • credit dispute resolution
  • personal coaching throughout process
  • staff knowledgeable and responsive

Worth knowing

  • Keritan is named as a lead consultant praised for credit expertise
  • staff member Melanie mentioned as therapist
  • credit score improvements cited: 100+ points in 6-7 months, 50+ points, one client reached 700+ range
  • removed late payments, charge-offs, and collections from reports
  • business credit services mentioned as available

What reviews say by service

Bad Credit / No Credit Check
most clients saw measurable credit score gains; one warned of temporary removals followed by reappearance and high costs
Mortgage & Home Loans
no direct mortgage lending mentioned; credit repair positioning reviewers for mortgage qualification implied but not explicitly evidenced

How it compares

  • Rated 4.9 against a 4.51 average across the 181 bad credit / no credit check businesses listed here.
  • Has more Google reviews than 49% of the businesses in this directory.

How we scored this

How We Rank
Star rating 85
Review volume 73
Review recency 92
Review sentiment 53
Profile completeness 100
Verification 30

Rating breakdown

5
46
4
1
3
0
2
0
1
1

Contact

Address
325 North St. Paul Street Ste 3100, Dallas, TX 75201

Last verified 2026-08-23

Opening hours

Monday
09:00-17:00
Tuesday
09:00-17:00
Wednesday
09:00-17:00
Thursday
09:00-17:00
Friday
09:00-17:00
Saturday
Closed
Sunday
Closed

As listed on Google.

Enquire about JMS Consulting Firm

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Common questions

How long does credit improvement typically take?
Reviewers reported score improvements ranging from 50 to over 100 points within 4 to 7 months, with some seeing deletions earlier (within 4 months).
Does JMS offer business credit services?
Yes; reviewers mention the team helped them organize paperwork for business credit approval and prepare for business lending.

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Last updated 2026-08-23