Let Us Help You Quickly Achieve a Much Higher Credit Score Today!
Feel free to call us: +1 888-505-9810

We can help with:
  • Collection/Charge off
    • Medical Bills
    • Repossession
    • Utility Bills
    • Credit Cards
  • Federal Tax Liens
  • State Tax Liens
  • Judgements
  • Late Payments
  • Too many inquiries
  • Establishing new credits
  • Credit Coaching

Consumer Credit Services

Credit is an extremely complex subject. At no fault of our own, early on, we are overwhelmed
with enticing credit offers; often leading to bad credit. White, Jacobs and Associates (WJA)
understands the complexity of credit and has developed a unique highly personalized


Debt Settlement/Negotiation

Debt can be overwhelming and without a clear understanding on ways to manage it can make hard times seem harder. Bankruptcy seems to be the 'go-to' choice for most consumers. There's other ways to manage and eliminate your debt like, debt settlement/negotiation.



Home Mortgage Calculator.


  • From: S T
    Sent: Tuesday, April 01, 2014 9:24 AM
    To: Lara Harrison
    Subject: New responses



    Am I reading these letters correctly? In two to three weeks you got roughly 8+ different accounts removed from my credit from 4+ different collectors??? Everything I read says "we received your dispute and requested a deletion from the credit bureau etc etc" only about two of them say anything about the debt remaining valid.

    If I understand this correctly, you are amazing! Please correct me if I'm wrong because I'm having a hard time not referring you to everyone I know with credit issues.

    If I am wrong, please disregard my enthusiasm lol.

    Please advise.

  • -----Original Message-----
    From: Cree
    Sent: Tuesday, April 08, 2014 8:47 AM
    To: LeAnn Daniel
    Subject: Re: Experian UPDATE - Nice Work! THANK YOU Just have to get THAT LEIN off .. :)

    Thank you from the bottom of my heart.

    How did y'all do it.. Did they not have the basic back up info?
    RE: The Tax lien.. I will find the paper work on that .. I dont know HOW a lien can be on my credit report when the property it was attached to was sold.. (above my pay grade) I will try to do some due diligence too..

    THANK YOU Leann!


  • From: Brian
    Sent: Monday, April 07, 2014 11:39 AM
    To: Leah Rolen
    Subject: review

      I hired Leah Rolen @ White Jacobs to assist in rebuilding my credit scores after my divorce. My credit scores at the time I hired White Jacobs were 590,610, & 618. Leah and her team have been working on my behalf for 3 months now, and as of this writing, my credit scores have all been improved as follows:  738, 767, & 770 ... I am very happy with the results they have provided, as they are beyond what my expectations were. I highly recommend this firm, and in particular, Leah Rolen, to anyone wishing to hire an honest and ethical firm to assist them in their credit repair needs.There are other credit repair companies out there, however my experience is that they are “boiler room volume operations” that “strong sell” you on the sign up, but turn out to be very weak on the back end in producing results. White Jacobs is not the least expensive out there, but if you want measurable, tangible results in a short period of time (3 – 6 months), then hire them.  If you experience is like mine, you will not be disappointed. My dad always used to say;  “You get what you pay for in life”, and I have found that to be true with my “White Jacobs” & "Leah Rolen" experience.

    Brian D.

  • From: Blake
    Sent: Tuesday, April 01, 2014 9:22 AM
    To: Sergio Marshall
    Subject: Re: Calvary
    Damnit! That's bad to the bone. I'm impressed.
    Sent from my iPhone
    On Apr 1, 2014, at 8:33 AM, "Sergio Marshall"
    WOW. Im not sure...but im glad it did come off
    Sergio Marshall
    -----Original Message-----
     From: Blake
     Sent: Tuesday, April 01, 2014 8:26 AM
     To: Sergio Marshall
     Subject: Re: Calvary
     Me too. I'm 90% sure that was for the truck that was pushing 14k. Would you
     please check and make sure? All the info you haven't got yet was mailed to
     you yesterday.

  •  photo LeahTestimonial_zps0d5858bc.png

  • From: Shurmon
    Sent: Tuesday, February 11, 2014 1:02 PM
    To: Leah Rolen
    Subject: RE:

      Thank you so much for your help and guidance through this process.  My credit score has increased exponentially in the last 5 months.  We have been so impressed by the how White and Jacob’s system works.  It’s pretty user friendly. 

      As I told you, Leah, this was an expensive little project, but well worth the results.   

  • From: ELIJAH
    Sent: Wednesday, February 19, 2014 10:13 AM
    To: Jace Yeomans
    Subject: Review

    Jace Yeomans and White Jacobs and Associates have done wonders when it comes to repairing my credit. After serving 8 years in the military, it was nice to have a company fight for me.  Mr.  Yeomans has gone above and beyond the call of Duty.  He has kept me Informed throughout the entire process and answered all my questions  My dream was to buy my family a home and with the help from Mr. Yeomans and White Jacobs it is now possible.  I have never seen a company that will fight harder and go after every little thing they can.  I could not be happier with Mr. Yeomans and White Jacobs.  I highly recommend them as a soldier, veteran, father and husband. 

    Elijah SSG(R) U.S. ARMY
    Sent from my Verizon Wireless 4G LTE smartphone

  • From: Darrell
    Sent: Thursday, February 13, 2014 6:26 PM
    To: Adam Swartz
    Subject: Re: Proof of Residence
    I can’t thank you and your team enough for all the hard work, Awesome hard work! After we move to AZ, I will definitely use White Jacobs & Associates to get Debby’s credit good again, hopefully in the next few months.

    Thanks Darrell & Debby.
    On Thursday, February 13, 2014 3:00 PM, Adam; wrote:

    4 updates, 4 deletions, 1 verification. Not a bad round.
    Thank you for staying on top of things and making sure you and Debby send in the results as they flow in. There will be a lag while the next round goes out but you should receive more updates thereafter.
    Let me know if you have anyone you’d like to refer over ~ you get a referral credit equivalent to one of your monthlies for each person that enrolls (including Debby, if she chooses).

    Talk with you soon,

  • From: Derrisha
    Sent: Thursday, February 13, 2014 9:51 PM
    To: Joe Camacho
    Subject: Testimonial

    I am so impressed with the service I have received thus far. Joe Camacho has walked us step by step in this whole process. We have already received our first deletions and in only 11 days!!!  A total of 16 accounts that we will no longer have on our credit report totaling $1444.11. We couldn't be happier. We are one step closer to our future thanks to Joe Camacho. 

    Mitch and Derrisha
    Sent from my iPad

  • From: Mayanna
    Sent: Thursday, February 13, 2014 10:01 AM
    To: LeAnn Daniel
    Subject: RE: Congratulations!

    Thank you! You guys are amazing im very impressed and so is Stephanie! I will definitely send a picture.

    --- Original Message --- From: "LeAnn Daniel"
    Sent: February 13, 2014 9:44 AM
    Subject: Congratulations!

    Hi Mayanna,   I heard that you and Jimmy were approved for your home purchase J  I am so happy for you, two!  We will continue to work on your file to drive your scores even higher, but keep me posted on your progress with your new home and BE SURE  to send me a picture of you and Jimmy on the front porch!

  • From: David
    Sent: Tuesday, February 11, 2014 9:16 PM
    To: Leah Rolen
    Subject: Thank you

    Thank you Leah for your outstanding work on our credit profiles. We have experienced a significant increase in our credit scores allowing us to begin the process of purchasing a new home. We will definitely recommend your services to others.

    David & Amber

  • From: Yelissa
    Sent: Tuesday, February 11, 2014 10:37 AM
    To: j.machado@whitejacobs.com
    Subject: Joaquin

    I would like to take this opportunity to say that the quality of service offered by White Jacobs & Associates, our first contact over 2 months ago has been highly impressive. Every aspect of your service has been beyond reproach and every member of staff has been courteous, polite and reliable. A Special thanks to Jose Machado. I don't have words to express my gratitude.

  • From: Francisco
    Sent: Tuesday, January 21, 2014 10:48 AM
    To: Will Smith
    Subject: Re: Follow up

    WOW that's awesome Will thanks. My wife and I greatly appreciate all the great work you guys are doing for us. thanks again. And as soon as we receive letters in the mail i'll be sure to fwd. to you.

    __________________________________________________________________________________________________________________________________________________________ On Tue, Jan 21, 2014 at 10:27 AM, Will Smith > wrote:

    Hello Guys,

    Looked over the audits, we’ll see about the responses from the actual creditors on those student loans-no worries on the response for you Frank. Great news for Jessica-in the first round we got 100% of ALL NEGATIVE INFO OFF YOUR REPORT!!! That is awesome! Keep looking for the other results in the mail and get those to me. Have a blessed day!

      Thank you,

     Will Smith
    Legal Consumer Advisor

  • From: Michelle
    Date:01/27/2014 2:44 PM (GMT-06:00)
    To: Ashley LaMonica
    Subject: Testimonial

    I have to give many thanks to Ashley LaMonica at White Jacob & Associates! Ashley and her team  were able to clean up my credit and tell me exactly what I need to do to in order to improve my credit score. My credit  has drastically improved..I got approved for higher credit limits, was able to finance my car without a co signer and now I'm in the process of buying a new house! I have the tools I need to keep my score up have learned a lot from this company! White Jacob & Associates have changed my life!


    Sent from my iPhone

  • From: Jeremy
    Sent: Monday, January 27, 2014 1:30 PM
    To: Sergio Marshall
    Subject: Re: White Jacobs

    Just wanted to say good job so far. Just saw an updated credit report on that site. MY trans union went from 591 to 654 and my experian went from 588 to 673 already. equifax is still only 601 but very happy for only 30 days of your service. looking good so far. very excited to see final results down the road.

  • 17 Day Deletion Testimonial

  • From: April
    Sent: Wednesday, November 27, 2013 7:45 AM
    To: j.camacho
    Subject: RE: Transunion

    Oh My goodness! I am super excited this is the first time I have been excited to see these things come in. I’m like checking my mail box daily ha-ha. YES!! I have told him and rubbed it in his face ha-ha we are sure were going to start his very soon! So be waiting for that call from him ha-ha.

    From: Joe Camacho
    Sent: Monday, November 25, 2013 10:12 AM
    To: April
    Subject: RE: Transunion

    What did I tell you?!? Remember how I said that the other 2 bureaus will most likely resemble Experian’s deletions.
    This is sooo Awesome! I am excited for you. Have you told Mr. Ochoa yet?

  • From: Latambria
    Sent: Tuesday, December 03, 2013 8:51 AM
    To: Joe Camacho
    Subject: RE: Collection Letter

    Well what can I say? I was working with another company that was supposed to be deleting things off my credit and assisting with repairing it but saw no results. I then found this company and decided to inquire. I immediately received a call from Joe Camacho and he was explaining their process to me. The whole time I'm thinking this guy is saying all the right things but is this just another scam. After our conversation I was like ok what can it hurt let's try. I set up the initial payments and faxed over everything he asked and let them work. I started receiving calls and collection letters left and right.After just a couple months I went to the mailbox and received reports from all three credit bureaus and its amazing how many things had already been deleted. I would definitely recommend them to anyone that needs their services. Thank you so much Joe and let's continue to work!!

  • From: Connie
    Sent: Thursday, November 21, 2013 9:57 AM
    To: j.camacho@whitejacobs.com
    Subject: Thanks

    Joe Camacho,
    I just wanted to thank you for the quick deletions on my credit report. We have been in this clean up mode for less than a month and got such a quick turn around from transunion with deletions from negative reporting impacting my credit score. Having ford credit delete alone was terrific, not to mention the other 5 accounts on the same correspondence. Keep up the great work & I'll continue to forward you the great credit updates.


  • From: Amanda
    Sent: Wednesday, November 20, 2013 11:57 AM
    To: Leah Rolen
    Subject: Alan


    I just wanted to thank you again for everything you have done for us!  In a month Alan's credit score jumped 100 points-truly amazing.  You guys were able to remove things that another agency said they couldn't, and that they didn't think it would help to enroll him.   I am more than happy to see the results!  I am telling everyone about you!!!  Thank you again.

  • From: Leigh
    Sent: Thursday, November 07, 2013 11:08 AM
    To: Joe Camacho
    Subject: Testimonial

    I cannot say enough positive things about Joe and the staff at White Jacobs. They have been amazing. I had never paid much attention to my credit and thought my credit was beyond repair. Joe has gotten nearly 100% deletion on my credit reports and coached us through every step. We are now approaching a point where buying a house isn't a distant dream but in the near future.

  • From: Jenna
    Sent: Monday, November 04, 2013 5:59 PM
    To: j.camacho@whitejacobs.com
    Subject: Pulled My Report Today...
    Joe Camacho,
    I know we scheduled a specific date and time to pull my report, but with the amount of deletions that I saw from the first round audits I couldn't wait. I have to admit I was a bit leery of all the worked that was promised, but you and White Jacobs have delivered. Within the first 30 days you have managed to increase my scores over 100 points per bureau!!!! Ummm yeah, that's a NOT a typo! lol You managed to delete everything that the other company couldn't accomplish in 16 months in just 30 days. Mr. Camacho I am impressed and that is a feat in itself. When you explained the difference "Consumer Legal Services" and what that other company did, well I just want to apologize. I didn't realize the difference between Consumer Legal Services and Credit Repair, but I do now. Consumer Legal Services and your attorneys is the BEST Thing that could of happened to me and I am soooo happy and blessed to have been referred to you and White Jacobs. Thank you for educating me on my credit and being so patient throughout this process. Be expecting a ton of phone calls from my friends, family, and co-workers. I will be telling everyone I know about you and White Jacobs. Thanks again Joe!! Jenna P.S. Can I start shopping for my new house now? lol

  • From: Stephanie
    Sent: Thursday, October 31, 2013 8:41 AM
    To: j.camacho@whitejacobs.com

    I am very satisfied with the service I have received from Joe Camacho with White, Jacobs, & Associates. On our first round of results my credit report history has had several items removed. These removals were done in less than 2 months. I had incorrect and old accounts information with the 3 main credit bureaus that needed to be reviewed or removed. The personal involvement of Joe Camacho since the very beginning of the process has been essential for me to feel comfortable, and put all my trust in this credit repair provider. I have always received good/relevant information, and experienced fast support/replies. I feel that this is a secure and very serious way to conduct businesses. I would strongly recommend anyone interested in credit repair to contact Joe Camacho with White, Jacobs & Associates. I am grateful for all the help I have received, and look forward to the next round of results. Stephanie

  • testimonial

  • From: Cynthia
    Sent: Monday, September 16, 2013 3:54 PM
    To: Tony Atkins
    Subject: RE: Testimony

    I never thought my credit score would ever improve until I was referred to Tony with White Jacobs & Associates.  When he called me, I really thought it was another sales call, but to my amazement he was so down to earth, explain the process and advised me how it all worked.  After feeling re-assured, I was committed to improve my credit score.  He literally held my hand thru the whole process.  When I saw how my credit score improved by 150 points within two months, I was shocked.  I told him that I most definitely will refer him to my family and friends.
    For you to see results, you have to be committed to provide the information they request from you. It is totally worth it.

  • From: Brock

    Sent: Monday, August 26, 2013 10:52 PM
    To: Joe Camacho

    Subject: Thanks!


    Joe Camacho.. My man! I have to admit I was a little skeptical in the beginning, but in less than a month you've made me a believer.. My only regret is I didn't get ahold of you sooner.. Thanks again for everything!  Sent from my iPhone

  • 9/4/2013
    White Jacobs and Associates’ services made it possible for my husband and I to be living in the new home that we are in today.  We decide it was time for us to quit renting and make a move closer to my daughter’s school.  We had saved up our money for a down payment and thought we were ready to move forward in buying a home but were set back when we realized our credit score was not where it needed to be.  We had old and new negative hits on our credit report.  We were referred by our banker to White Jacobs and after contacting Ashley and Edward we were very quickly making progress getting our credit where it needed to be.  Ashley and Edward worked quickly contacting our creditors by phone, fax and even conference calls.  Within 30 days we saw a huge increase in our score.  Within 60 days of contacting White Jacobs, we closed on our new beautiful home.  I would recommend White Jacobs and Associates to all my friends and family that need assistance with credit.   Thank you

    Tim and Lena McGinn