About Us

Why Repair Credit?


 If your credit is keeping you from obtaining the things you desire in life, then you have come to the right place because I know how to fix credit. I hope that after reviewing some of these pages that you will entrust Tim  with the job of fixing your credit! After 38 Years - Tim and crew do it right * 

100% Personalized CUSTOM CREDIT REPAIR-Call or Text Tim now -682-321-6243

How It Works


Our service includes your private assessment, contacting creditors on your behalf, sending documentation back and forth, and more. We have been trained on recent laws, statutes, and credit reporting practices

Tim is hands on,Interviews each client and gives valued information FREE of charge * There is no Credit Repair Company in the USA that can give results FAST and ACCURATE -

Text Tim Now * 

Why Us?


A low credit score can keep you from the things you want. But did you know a low credit score can impact a lot more than just financing? Do the best thing you can do for your future. Call us today and let our experience save you time, money, and frustration

Tim and crew do it right with NO DRAMA!


Contact Us

We know that untangling your credit can be both stressful and confusing. Send us a message today, and we can get you started on a path to financial confidence. 

Certified Credit by Tim

PO BOX 818 Roanoke Tx 76262

682-321-6243 682-432-2832 Fax 817-582-7098 Tim@Creditbytim.com Support@JTBryant.com Creditbytim.com JTBCreditsolutions.com

Send Message


Professional Services



For over 30 years Tim has  helped thousands of clients improve their credit and raise their credit scores so they can buy a new home, vehicle, get a better job or just have pride in having better credit. If you are experiencing any type of credit, debt or financial problems, let our team of experienced Credit Experts help you today.

We can legally Correct or Delete any of the following:

  • Collections
  • Charge-off
  • Late Payments
  • Student Loans
  • Judgments
  • Tax Liens
  • Bankruptcy
  • Foreclosure
  • Personal Information

Call today for a free consultation: 682-321-6243 Text Friendly .You will be truly happy you did.

Detailed Services by Tim



  • FREE Consultation
  • Credit Repair
  • Credit Re-Establishing and Rebuilding
  • Collections, Garnishment & Judgment Options
  • Understanding all 8 Debt Options
  • Debt Settlement Assistance
  • Identity Theft Protection and Assistance
  • Dedicated Certified Credit Consultant™ assigned to your case
  • Credit Education including our own Credit and Debt Book plus more…



 “With Tim- I was able to bring my credit score up from literally nothing to over 700 points.  She was able to remove the majority of the damaging items and showed me the best way to rebuild my credit.  Everything she told me worked perfect! Thank you! 

Erica W.

Bedford Tx 


Promote current deals


Call or Text Tim for his current promotions  concerning Mortgages - Car Loans or Business Loans- Our Prices Will be far less than the CREDIT REPAIR MILLS * - Do not be sucked in by there pretty TV Adds 

We offer Trade Lines on a private basis and have NO MIDDLE MAN - Tim 

Share the big news

We have over 150 clien in our program - 
Check Back for our HIGH LGHT STORY of the week-

For over 30 Years TIm has been involved in Credit of all forms. He is an Expert Witness in court on financial claims. TIm has consulted for Credit Bureaus as well as Attorneys.We have an attorney standing by if need be. If you have been harrassed by a creditor or fallen prey to a PAYDAY  - Tim can  remedy this with immediate action. 

Display their FAQs



Raising my credit score with a secured card took some disciplined, conscientious spending.

Here are the rules I followed to maximize the benefits of my secured credit card.

  • Spend what you have: After I received my secured card and started spending, I made sure that I would only spend money I already had or would receive, before the next pay period.
  • Pay often: I ended up paying off my credit card roughly four times a month to ensure I never carried a balance from one month to the next.
  • Know your limits: I would never let my credit limit exceed $800, and I would never pay it off if the card balance was under $300 unless the pay period was coming to an end.
  • Make purchases: I would put every penny of my spending on the credit card – from the smallest expenses such as a drink from the gas station to major purchases such as airline tickets or hotel rooms.
  • Be consistent: I repeated this process for 5 months to establish a credit history of regular use and always paying on time.