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White, Jacobs & Associates (WJA) was founded with over 25 years of experience in the credit restoration industry. WJA’s principals noticed a disturbing trend of ineffectiveness within the industry that contributed to the reputation that has been given. It simply comes down to the ‘definition of insanity’ – doing the same thing over and over again expecting different results. Credit repair companies haven’t changed with the times and continue to simply send disputes that ultimately stop the loan process. In addition, most credit repair companies can’t hold any of the creditors legally liable for any infractions. WJA developed a system around the same exact goal of repairing one’s credit however; by taking an entirely different approach.