JPMCB: What It Is, And Why It’s On Your Credit Report

Written by Kim PinnelliUpdated: 8th Apr 2022
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Has “JPMCB Card” or “Jpmcb Card Services” showed up on your credit report? Has your credit score dropped because of JPMCB? If so, you are not alone. This is happening to thousands of individuals across the world.

Fortunately, in this article, we will tell you what Jpmcb card services is and how to remove it from your credit report.

Let’s dive in.

What is Jpmcb Card Services?

As the abbreviation implies, Jpmcb is J.P. Morgan Chase Bank. Essentially, it is a credit card that is issued and serviced by Chase Bank.

So, if you own a Chase credit card or recently applied for one, then Jpmcb will show up on your credit report.

Why is JPMCB Card Services On My Credit Report?

If you recently applied for a credit card through Chase Bank, then Jpmcb appears on your credit report as a hard inquiry.

This is COMPLETELY normal as most financial institutions do a hard pull to review your credit history. However, each time you apply for a credit card, your credit score will decrease (slightly) because of this hard inquiry.

Before we go any further, the first thing you need to do is verify that JPCMB Card Services is ‘actually’ on your credit report. To do so, grab a free copy of your credit report and sift through it line-by-line.

If you did not apply for a Chase credit card, then you need to speak with Credit Saint immediately. They are one of the best credit repair companies around and will offer you a free credit consultation.

Their expertise will help you dispute this error with all three credit bureaus and remove it from your credit report. Once it is removed, your credit score will improve and return to normal.

How to Remove ‘JPMCB Card’ from Your Credit Report

Removing Jpmcb from your credit report is straightforward and easy. But it does require you to work with a credit repair company unless you know how to repair your credit yourself, which is time consuming and a hassle.

Here are some legit ways to remove Jpmcb card services from your credit report.

1. Work with a Credit Repair Company

Credit repair companies are professionals at removing hard inquiries from your credit report. It is their bread and butter. They literally remove thousands of them for consumers each year.

As we alluded to earlier, Credit Saint is a reputable credit repair firm that has attracted a legion of fans. Since their founding, they have helped thousands of Americans remove hard inquiries and improve their credit score.

>> More:Check Out the Best Credit Hacks

2. Submit a Credit Inquiry Removal Letter

If you are eager to do it yourself, then you can submit a credit inquiry removal letter with each of the three credit bureaus (Equifax, Experian, & TransUnion).

Make sure your letter addresses why you are writing them (to dispute a credit inquiry), a brief summary of why your dispute is valid (credit activity is not authorized or recognized), and the solution you want (removal of inquiry from your credit report).

This letter needs to be sent to all three credit bureaus, so address each one individually (submit 3 different letters). It typically takes 30 days for the credit bureaus to respond.

They may have followed up questions, or they may simply remove the item. In some cases, they may flat out deny your hard inquiry removal request. This may be for a myriad of reasons. If you want to avoid this hassle, then work with a credit repair company. They will resolve this issue immediately and with ease.

Bonus Tip: Include your credit report in your letter and highlight the unrecognized or unauthorized credit inquiry. This will make it easy for them to cross-reference your letter and identify the negative item for removal.

>>More: How to Dispute an Error On Your Credit Report

Bottom Line: What is JPMCB Card

Remember, the “Jpmcb card services” appearing on your credit report is just JP Morgan Chase bank. If you own a Chase credit card, then do not worry. If not, then begin the process of removing this hard inquiry from your credit report. Follow our guidance listed above, and this issue will be resolved in no time.

Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.