top of page

John Kadowaki said on Sep 2, 2019 7:53 AM

I highly recommend MJL if you want to clean up your credit and improve your credit score. You will definitely see results in just 3 months!

Zack in Dallas said on Apr 19, 2017 10:48 PM

Mary Jo worked magic on my credit report. She removed 7 collections accounts, 2 charged off credit cards, and several late payments. I went from scores in the 580's to 660-680 and was able to finally be approved for several major credit cards. My file is completely clean and I'm now on track to be in the 700's shortly. Life changing.

Don and Jane Arian said on Mar 29, 2017 10:47 PM

Thank you so much for all your expert advice and help! You're so friendly and helpful, you completely remove the intimidation factor from the process of improving credit scores! After you helped us fine tune our credit, we reapplied for our construction loan (with a very stringent financial company) and were approved for the amount we asked for right away! You are the best! D&J A, Bailey, CO

Patrick M said on Jul 10, 2016 0:44 AM

I was referred to Mary after a credit snafu. She was able to identify the right people to talk communicate with at the bank. After a few letters written by Mary, the problem was solved.

Mike L said on Feb 25, 2016 8:50 AM

Excellent service and I would highly recommend to anyone. My credit was good (3 scores between 701 and 720), but my girlfriend and I were buying a very large house that requires a jumbo loan. This large of purchase requires excellent credit or you are hit with extra points. My "dings" were mostly from ridiculous battles I had with some insurance companies not paying hospitals, some late payments, and nothing too exciting. I found Mary through my mortgage broker. After 3 months of service (and following her diligent and easy to use process) with very little effort just signing and mailing envelopes through certified mail, I was able to raise my tri-merge score to above 760. My mortgage folks easily lowered my rates and even congratulated me on the raise. All that's left on my credit report is 1 30 day late payment that rolls off soon. For those of you who are in my situation, it's easily worth a few months of Mary's service. All my best. Mike L., Redmond, WA 2/24/16

Roger and Marta Stenzel said on Sep 24, 2015 12:50 PM

My wife and I were referred to Mary Jo when I got a new job and wanted to get a new home, but past credit problems would allow us to be approved. We are guarded at first. But within 2 months Mary Jo was able to clean up our credit and allow us to get a new home! We are very happy with the results and would recommend their services to anyone, no matter how big or small. Thank you Mary Jo and team, and may God Bless you and your efforts! Roger and Marta, Wenatchee, WA

Roger Stenzel said on Sep 24, 2015 12:43 PM

My wife and I were referred to Mary Jo when I got a new job and we wanted to purchase a new home, but due to some past problems we couldn't get approved for a loan. I was hopeful but guarded at first. But we did just as Mary Jo recommended and in less than 2 months she was able to clean up our credit and now we can purchase a new home! I would endorse Mary Jo and strongly recommend her to anyone no matter what problems you have in your past. She can help. Thank you so much for all your help!!

A. Cruz said on Oct 3, 2014 0:13 AM

Mary, thank you for the great help and support. We would not have been able to qualify for the loan without your help. I am very pleased with the results I got with MJL Consulting. My credit score went up by nearly 60 points. Thank you!

Leah and Corey Danielson said on Jul 30, 2014 11:30 PM

If you are looking to improve your credit you've come to the right place! My wife Leah and I needed a lot of credit improvement to obtain a mortgage. We were referred to Mary Jo by a family friend and I feel like it was a complete blessing. Mary Jo got my credit from a 590 to a 723 and my wife from a 580 to a 702. Getting above a 700 was huge when it came to getting the best interest rate. All of a sudden the banks were willing to talk to us and we ended up with a home mortgage loan with a 4.12% interest rate! It's unbelievable how hard she works and her knowledge in this business is unparalleled. Thanks Mary Jo!! Keep up the good work

Ken Durham said on Dec 30, 2012 1:20 AM

Iam very pleased with the results I got with MJL Consulting. My credit score went up by 53 points in about three and a half months. The process was very easy and I would of never been able to get those results on my own. I would reccomend MJL to anyone trying to clean up their credit.

Kathy and Corey Watt said on Aug 10, 2012 6:31 AM

Thank goodness for Mary Jo! Our credit score was too low to purchase a home so we attempted to clean it up ourselves....we got ran around in circles from these credit bureaus. We contacted Mary Jo and within 90 days our credit score has gone up about 100 points :)! Her and her staff do all the work and we reap the rewards! Thank you sooo much you guys are the best :) I would highly reccomend MJL Consulting to anyone.

Ingrid and Randy DeHaan said on May 5, 2012 11:19 AM

Mary Jo has been a huge help in getting our credit score up between 80 and 100 points! Very soon after we met with her, she and her staff began working immediately on having written letters ready for us to send to the credit bureaus. They were extremely organized, timely, and tenacious in getting the job done. Thank you so much!

Your name:*

Your email address:*

Enter your message: *

Customer Comments

Dear MJL Consulting,

The service was great!

You’ve done everything you said you would and in the time agreed. My credit score has increased significantly and the improvement was good enough to get a competitive interest rate and buy a house. I could have never qualified for a better interest rate without your help!

Thanks to all the folks at MJL Consulting for a bang-up job!   A.D.M. Lake Forrest Park, WA


I would like to take this time out and speak a few words on behalf of the incredible SERVICE that I received as part of the Building base that took place through MJL CONSULTING. Ms. Mary Jo Lamb, took what I brought to her - a mess of a Report. It had Errors, Overdue mistakes??? and just plain NO CLUES. That kept me from my dearest goal, owning a home. When She Finished, Everything was in its place. I Got My Home, as she Promised with Vigor and insight -she won on my behalf, it was worth taking a chance. She [is] real Special, and affordable, Thank you so much Mary JO . M.A. Coolwater. Bremerton.


Mary Jo, we couldn't have accomplished this without you!

Two years past filing bankruptcy, I am in a new home thanks to MJL. I qualified and got a 4.7 per cent fixed mortgage loan. MJL addressed the errors on my credit report and they were resolved quickly. Thank You so much F.W. Olalla, Wa.


Dear Mary Jo

My wife and I would like to take this time to say thank you for all your help in getting our credit back on track. You really are heaven sent to help people in need. Thanks for sticking with us every step of the way, as a result we have become more knowledgeable of how to keep our credit in great standards to meet the life time goal of owning a home. Had it not been for your hard work, caring about our family needs, your experinece and knowledge of how to handle and assist with all types of credit concerns and issues, my wife and I could not have made it over the 600 mark and still climbing. Thank you for always taking and returning our phone calls day or night. Thank you for teaching us the importance of having good credit and how to obtain it, but most of all thank you for never quitting on us. We have been like a powerful team, and you have been a great coach!!! We have been through a lot. May God continue to bless and protect you and your family as well as your business.

Duawn & Lashonda, AL


My wife and I would like to share our experience with an excellent credit consultant.

When we first consulted Mary Jo, we were looking for a home. This has been our dream for a path to financial independence for several years.

It seemed that it was going to take us forever to pay off our past debts to the point of raising our credit enough to buy a home. We did not owe a huge amount of back debt, but it seemed that every time we paid one off, it made no difference to our credit scores and new debts, that we were unaware of, would pop-up in their place. When Mary Jo took over our credit clean-up, the changes in our credit reports were dramatic and quick.

She not only advised us which debts would be most prudent to pay off first but she cleaned up all the marks that we were not responsible for while keeping us informed of what was going on the whole time. We would highly recommend Mary Jo to anyone that needs better credit and wants someone on their team with a positive, professional attitude and the know how to get things done.

Dennis & Elvria - Spokane, WA


We retained the services of MJL Consulting to help our credit situation. In less than a year's time Mary Jo helped our credit score increase over 120 points! Working with Mary Jo is a breeze. She is very knowledgeable, friendly and helpful. She told us what to do, helped with writing letters to the credit bureaus, and made the whole process simple. She did all the work, or at least that is how is seemed to us!

As long as her advice is followed, we believe she can help anyone. Within a year we bought a house and could also have credit cards and car loans. We learned how to use our credit wisely, and how to build and maintain a good credit rating.

We would recommend the services of Mary Jo Lamb to our friends and family, and to anyone that needs help with their credit scores or wants to learn how to keep and maintain a good credit rating. She is easy to work with, non-judgmental and extremely capable of helping anyone! If you are considering credit consulting, we highly recommend MJL Consulting.


Mark & Tracy - Kearns, Utah


Mary Jo:

Thank you so very much for everything that you have done for us, we are very appreciative for all of your help. This is all so crazy and when you are just starting out and attempting what you should have taken care of years's been all so confusing. We are so glad that we have you to help us make the right decisions and guide us in this chaotic situation we have found ourselves in regrading our credit. Thanks again for all your help. Cheyne & Lacie - TX


Hi Mary Jo

I just wanted to let you know that I received a credit approval letter from my bank on Tuesday and accepted it. I do now see the difference in fees and realize how horrible the other credit card offers were. I almost cried when I was approved. You have no idea how important fixing my credit is to me. I know you probably hear it all the time but I really do want to thank you for all of your help.

Laree, Gig Harbor Wa.

bottom of page