JPMCB Card Services: What Does It Stand for and Why Is It on My Credit Report?

FT Contributor
A worried couple on the couch going through financial documents.

If you’re seeing “JPMCB” — which stands for “JPMorgan Chase Bank” — on a recent credit report, it’s likely because you possess, or you recently applied for, a Chase card. As long as you maintain a financial relationship with Chase Bank, this item on your credit report is nothing to worry about.

While it’s not a debt collections agency, a credit inquiry from JPMCB can still bring down your credit score. If you’ve ever experienced the negative effects of a JPMCB hard inquiry or any other credit-related inquiry, reference the advice below for concrete tips on managing and improving your credit score.

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Why Is JPMCB on My Credit Report?

When a borrower tries to open a new line of credit, including a Chase credit card, the creditor performs a hard or soft credit inquiry. This means a routine check into that borrower’s creditworthiness and financial history.

While hard inquiries are not always performed — it depends on the lender, and whether they are trying to appeal to borrowers with bad credit — individuals who see JPMCB on a credit report have had a hard inquiry done by Chase Bank.

Any borrower seeing JPMCB on a credit report is likely seeing the results of the credit inquiry on the account. One or two hard inquiries per year, including your attempt to open a Chase card, will not pose any major harm to your credit score.

However, a borrower who frequently attempts to open new lines of credit can see their credit score decrease, and will often pose a significant risk to potential lenders.

Hard Inquiries

You may have seen JPMCB on your credit report as the result of a hard inquiry. One of two types of credit inquiries made whenever a borrower’s credit is checked, hard inquiries mean that your credit report has been requested by a credit card company or loan officer.

This is always done with the permission of the borrower, typically when he or she is interested in obtaining a new credit card, securing a new loan, or opening a new line of credit.

Hard inquiries remain on your financial records for two years, though they will only affect your credit score for one year. Any regressions your credit score experiences as a result of a hard inquiry are usually temporary.

Still, borrowers should guard against having too many inquiries associated with their payment history, to avoid more serious credit score issues.

Soft Inquiries

Soft inquiries are performed whenever a borrower checks his or her credit score, or whenever a third-party lender checks your credit score with your permission.

Soft inquiries, also called soft pulls or soft credit checks, might be performed as a result of:

  • Insurance pre-approval;
  • Loan pre-approval;
  • Background checks;
  • Borrowers checking their credit scores;
  • Third-party credit inquiries.

Soft inquiries have a negligible effect on a borrower’s credit score. Unlike hard inquiries, which, especially in excess, can cause an individual’s credit score to decrease, soft inquiries can be performed frequently without harming a borrower’s credit rating.

Authorized Users

Borrowers may have also spotted JPMBC on a credit report, because of the activity of one of their authorized users. As an authorized user of a credit account, an individual has permission to spend a credit card holder’s funds without the obligation to repay credit balances.

Authorized users are additional cardholders under the same account; it’s a title commonly held by spouses, business partners, siblings with shared credit accounts, and anyone else sharing the same credit pool.

Before you add an authorized user — a roommate, sibling, friend, or anyone else — to any one of your credit accounts, make sure you take steps to protect yourself from excessive spending, fraud, and the effects of another user’s financial habits.

A Mistake on Your Credit Report

It’s also possible that you’re seeing JPMCB on your credit report simply due to a mistake in the credit reporting process.

If you have not recently opened or managed a Chase bank account, or if you believe that JPMCB has appeared on your credit report because of an error, you’ll want to dispute the error before the issue potentially compromises your overall credit rating.

Credit Cards Issued by JPMCB

Without context, it’s difficult to identify exactly which of the Chase credit cards your JPMCB mark is referring to. Chase Bank offers users a wide variety of credit card options, which allow borrowers to spend money in the ways they want.

These credit card options include:

Credit card options available through Chase Bank allow borrowers to tailor their financial benefits and rewards according to their travel habits, culinary preferences, or favorite retailers. An easy pre-qualification process and affordable annual percentage rates make Chase credit cards as affordable to use as they are simple to enjoy.

How to Remove JPMCB Card From Your Credit Report

Especially if you identify an inaccurate JPMCB expense or hard inquiry on your credit report, it’s important that you prioritize its removal before the mark begins to affect your credit rating. Consult the steps below to take action in clearing your credit report, and preserving a pristine financial history.

Review Your Credit Report

Reviewing your credit report is the first step toward clarifying any issues related to JPMCB marks. Though it can be a bit time-consuming, borrowers should make the effort to read through credit reports, to clarify that items like total balances, repayment dates and amounts, credit inquiries, and other elements are all accurate and updated.

If you identify any errors in a credit report — including any errors related to JPMCB — contact your credit companies or financial institutions to report inaccuracies or fraud, and gauge remaining balances.

File a Dispute

Filing a dispute through your credit bureau also helps you preserve an accurate credit report. Disputing items on your credit report is an important step in removing any inaccuracies you identify within the context of the report itself.

Legally, all credit bureaus must respond to all financial disputes, though it may take some time to hear back from them depending on their review process.

If you’re looking specifically to remove the JPMCB credit inquiry from your credit report, filing a credit inquiry removal letter is likely the best step forward. Fortunately, these credit inquiry removal letter templates can take much of the pain out of the letter-writing process and will help you craft a polite, thorough letter to be processed by the credit bureau’s reporting department.

Rebuilding Your Credit

If the JPMCB mark on your credit report is only one of several credit-related issues you’d like to address, you may want to consider steps to repair your overall credit score.

After a credit score falls, it can take lots of hard work to raise it again. This is why borrowers are encouraged to protect credit scores — by prioritizing repayment of current balances, avoiding unnecessary purchases, and guarding against fraud — to prevent the need for credit repair.

Fortunately, credit repair companies can help you get your credit score back on track. Some of the best credit repair companies will even communicate with credit companies and financial institutions on your behalf, helping to clarify errors and remove inaccuracies to restore your credit score to the rating you deserve.

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