Frequently Asked Questions

What is the process for enrolling in JSM services?

Step 1

Consultation & Enrollment
After you’ve completed your consultation and submitted your payment information for billing, you will receive instructions in your welcome email about the necessary steps needed to continue the process.

Step 2

Sign Our Agreement
Contracts are necessary to use our services. You will receive a digital copy of our contract to e-sign. As our client, you reserve the right to cancel your membership at any time!

Step 3

Set Up Your Credit Monitoring
In order to use our services, your credit will need to be tracked and monitored on a regular basis. We’ve partnered with SmartCredit to do just that. This service will allow for building your credit in addition to credit and identify fraud monitoring.

Step 4

Provide Necessary Documents
You will be asked to provide any necessary documentation (ex: driver’s license, w2, utility bill or bank statement, etc.)

Step 5

We Work To Get You Results
We work to prepare your file. Every client is different so we know that your solution will need to be customized to your situation in order to get the best results.

Step 6

Patience Is Key
Success, when it comes to your credit, demands patience. At JSM, we understand the journey to financial well-being takes time. At times nothing that can be done to speed up the process. Stay encouraged and trust the process, and let us guide you toward a brighter, credit-empowered future. Should you have any questions or concerns, feel free to reach out to us.

Step 7

Review Results & Re-Evaluate
This step will depend on the service that you have chosen, but in general, we will receive all correspondence from any agencies or businesses that we have reached out to on your behalf. We will analyze any responses and re-strategize if necessary. *Note that every JSM Financial Solutions client is different and we make no guarantee as far as results, but rest assured that we fight towards your success. Thank you for trusting in our process.
How do I request a free credit report?
Can I come back from bad credit?
How do I rebuild my credit with bad credit?

You can start off with applying for a secured credit card with a refundable deposit of $200.

Keep the credit card utilization down below 10% of the credit limit.

For Example:

$200 is the credit limit, 10% of $200 is $20 dollars.

Need a secured credit card? Click the link below:

https://www.creditbuildercard.com/jsm

Late Payments

Can I get a late payment waived once a year with my credit card company?
When is a car payment considered late?

Generally, the grace period on auto loan payments is 10 days after the agreed-upon monthly payment date. Car loan payments aren’t normally considered late if they arrive within the grace period.

It does depend on the lender, as well. The grace period should be listed under the terms and conditions of your loan. Make sure you understand the terms of your loan so you can best manage it.
How late can you be on a mortgage loan payment?
Typically, mortgage loans have grace periods too, as a result, check your loan agreement. If the grace period is 10 days, for example, if your payment arrives within that time, it won’t be considered late. In different circumstances, you may be charged a late fee.

As with car loans, mortgage lenders usually don’t report late payments to the credit bureaus until you’re more than 30 days behind on a payment. If you fall too far behind on payments, the mortgage lender may initiate foreclosure proceedings.

Rent is different. Please check with your agreement with your landlord or property manager to ensure you read your lease carefully.

Here are a few tips to avoid late fees:
- Set up automatic payments so you never miss a bill. Just make sure to keep enough money in your account for this purpose.
- Sign up for notifications with your lender. Most lenders offer options for receiving emails or text messages when your due date is approaching.
- Know your grace periods. Don’t rely on grace periods every month, as it’s easier to miss them when you use them all the time. But do know what they are in case you need to stretch a payment.
- Ask the lender to waive a late fee. If you’ve always paid on time before, your lender might offer a one-time courtesy forgiveness of a late payment, including waiving the late fee.