Credit repair and funding · Houston, TX

Get the yes you were told no on.

Jay and the Mr Never Stop team read all three of your credit reports, dispute what should not be there, and get your file ready for the yes you were told no on.

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Over a decade doing this work Built on your rights under the FCRA Prices published, from $100
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Credit Guru Jay, founder of Mr Never Stop
671
Client scoreExperian, May 2026
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10+Years Jay has been fixing credit files
3Bureaus pulled and read line by line: Experian, Equifax, TransUnion
45Days or less before most clients see the first movement

Results

Screenshots, not slogans.

Messages and reports clients sent Jay themselves. Tap one to read it.

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What told you no

Six reasons you got denied. None of them permanent.

These are the items that get people denied. Every one of them can be checked, and the ones that are wrong can be challenged.

Collections

A collector has to be able to prove the debt is yours and that it is reported correctly. We ask them to.

Workable

Charge-offs

Balances, dates and status get checked line by line. What is wrong gets challenged.

Workable

Late payments

One wrong date can sit on a report for seven years. We find the ones that do not belong.

Workable

Repossessions

If the paperwork behind a repo cannot be verified, it gets disputed.

Workable

Bankruptcies

Not the end of the road. There is a way to rebuild after one, and an order to do it in.

Workable

Medical debt

The rules on reporting medical bills have changed. Some of these should no longer be on a report at all.

Workable

The road

Three moves from no to yes.

No guesswork. The same order of work for every client, because the order matters.

  1. First

    Read everything

    All three bureaus pulled. Every negative item mapped, so you can see exactly what is dragging the score down.

  2. Then

    Dispute what is wrong

    Inaccurate, outdated and unverifiable items get challenged under the FCRA, while good history starts building underneath.

  3. Then

    Get approval ready

    With the file cleaned up, Jay positions you for the thing you came for: the car, the home, the business funding.

  4. The yes

    Apply with confidence

    You know what a lender will see before they see it.

In their words

Do not take Jay's word. Take theirs.

About Jay

He was told no, too. That is why he never stops.

Banks, landlords and lenders all told Jay no. He learned how the system reads a credit file and has spent more than a decade putting that to work for other people.

His clients do not only get a higher score. They learn how to keep it clean, so the next application is a yes as well.

Jay RowlandCredit Guru Jay, founder of Mr Never Stop

Programs

Pick your starting line.

Every price is on the page. No call needed to find out what it costs.

One call · Start here

Strategy Session

Not sure where you stand or which program fits? One call with Jay and you leave with a plan.

$100
2 to 3 months · Getting started

Momentum

Coaching to get you moving and put a solid base under you.

$750
3 to 5 months · Most chosen

Growth

More time, more support, and someone to reach between sessions.

$1,000
6 to 8 months · Serious growth

Success

For people who want it done properly and want Jay close while they do it.

$1,200
12 months · The full year

Excellence

A full year with Jay in your corner, start to finish.

$1,500

Questions

Asked before every first call.

Is this legal?

Yes. The Fair Credit Reporting Act gives you the right to dispute anything on your report that is inaccurate, outdated or cannot be verified. That is the whole basis of the work. Accurate information stays where it is.

How long before I see something change?

Most clients see the first movement in 30 to 45 days. Some sooner, some later. It depends on what is on your file and how quickly the bureaus answer. Nobody can promise you a number or a date, and anyone who does is selling you something.

My credit is really bad. Is it too late?

No. Collections, charge-offs, repossessions, bankruptcies and medical debt are the everyday work here. Book the call and let Jay look before you decide it is too far gone.

What makes this different from a dispute letter service?

A letter service sends the same letter for everyone and waits. Jay reads your file first, tells you what is worth disputing and why, and then works on what comes after: the habits and the accounts a lender wants to see.

Can you help me get business funding?

Getting your profile ready for funding is part of the work. Approval is always the lender's decision and depends on your file, so nobody here will promise you an amount.

How do I start?

Book a call. The $100 strategy session is the first step for most people. You talk to Jay, he looks at where you are, and you leave knowing what to do next.

Book a call

The next answer can be a yes.

One call with Jay. He looks at where you are, tells you what is in the way, and shows you the road out.

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Want proof first? Read the results.