The Credit Authority™

An Aggressive alternative to traditional
credit repair
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White Jacobs & Associates has one mission.

We're committed to changing your life through credit.

Big Purchases

New car? Refinance? With a good credit score, you can get qualified for big life events.

A New Home

Qualify for a home with your improved credit score. We love helping clients get approved for a house.

Better Rates

Save thousands with lower interest rates on purchases, credit cards, insurance, and more.

Do any of these look familiar?

Our investigative research team strengthens your credit with a process that is managed by our in-house attorney.



Late Payments


Student Loans




No cookie-cutter work. We want to assess your SPECIFIC credit situation.

There’s a reason we get results.

Our Unique Process

You’ll work 1-on-1 with a credit analyst every step of the way. Your assigned credit expert will guide you through the entire process.

Once we determine that you’re a good fit for our program, our investigative research team will evaluate your specific situation and establish a customized gameplan for YOU.

And best of all – our program is managed by an attorney.

Real reviews from past clients.

Kristie H.

“I was in search of some help because my credit score was less than perfect. And I didn’t know how to begin the credit repair process on my own. I found White Jacobs and Associates through a credit repair forum and immediately began to research more about the company.

They had excellent reviews, so I decided to give it a shot and put my contact information to learn more about the program. I was contacted immediately by Lupe whom was very upfront and honest about the entire process so I decided to start. I began the program in October and by December 99% of marks were deleted. I am thankful for this program and Lupe especially for helping and coaching me through this entire process. It has taken so much stress and fear away. If you are skeptical about the program, I say don’t think about it and just do it! What a wonderful program!”

Lacey C.

“Steve is awesome! So very helpful, kind, and straightforward. I was unsure how we would go about getting my credit repaired, but he cleared up all fears and questions I had! The process was painless and I am completely BLOWN AWAY by the results! Steve and his team have done WAY above and beyond what I thought possible. He was there the whole way making things as easy as possible. We can actually qualify for loans now! That means a house people!! I didn’t think we would ever get to this point and Steve and White Jacobs and Associates made it happen in no time! There was so much bad credit and past mistakes I figured maybe a few things would come off, but no! They were able to get things removed that I never thought possible! It’s really amazing, I am so thankful for Steve and White Jacobs and Associates. I highly recommend them!”

Anna D.

“I have been at the lowest of the low when it came to my credit score. I just wanted to see if there was a miracle out there that could dig me out of the hole that I got tired of seeing year by year. I know granted that I did not make proper adult decisions to prevent this from occurring but I was determined to make a change. I saw Derek’s post on Facebook about credit repair and I was always anxious in the past on signing up with just any company but since Derek and I went to school back then, I knew what a kind, loyal heart he had for helping others. I was relieved to know that I would be absolutely taken care of from beginning to end. Derek was the miracle I was looking for. Year of 2020 was probably one of my hardest years of my life and without Derek guiding me step by step and giving me the encouragement I needed, I would not be where I am today. When I saw my score increase, my report was looking way lighter than where it was and I was getting approved finally for credit cards and loans. I almost burst into tears seeing how this will change my life from here on out and it was all because of Derek and the team at White Jacobs & Associates. I want to thank Derek for being the miracle I needed to open new doors for me and my family. IF anyone ever needs help with their credit please reach out to Derek, he can change your life.”

Tiffany O.

“I can’t stress enough of what a godsend White Jacobs and Associates are…Will and his team are phenomenal at what they do! They helped repair our credits from the low 500’s to low 700’s in less than 6 months! Due to their help, we are able to get our family of 7 into our dream home. Believe me, the decision to hire a credit repair company made me and my husband very nervous at first. Like everyone else, we’ve heard the alarming stories before.

We’ve heard how most credit repair companies are scams, just take your money, with no results, which definitely caused my husband and I to pause at the thought. With 5 kids, we couldn’t just throw away our hard-earned money, so at first, this was definitely a gamble in our eyes. Believe me when I say, you can be confident that they are not one of those companies that take advantage & scam you. I can assure you that White Jacobs and Associates are trustworthy, professional, and very qualified at what they do. We could not be happier with our end results and the amazing job they did for us! God Bless!”

Our results speak for themselves.

Teresa J.

Teresa couldn't get approved for a mortgage because of her credit situation. Her scores were too low to qualify for a conventional loan.

She had 11 collections (medical and creditor) totaling over 9000 in negative debt. She also had a bankruptcy and late payments on her report.
Here's what happened.













Doug M.

Doug wanted to refinance his mortgage at a low fixed rate. He also wanted to finance a new car at a good interest rate.

He had 3 collections and 4 charge-offs on his credit report. He also had profile inaccuracies and a lack of positive credit.
Here's what happened.













You could work with another company.

But please be aware.

Other credit companies ...

Do not have an in-house attorney.

We don't just send dispute letters. We use attorney-based audits in our program. That's part of the reason we get results when amateur companies cannot.

Do not have urgency to get results.

Think about it. A company that charges an ongoing monthly fee (for years) doesn't want you to leave! The longer you stay on, the better. Why keep paying for poor to mediocre results?

Do not give you a personal credit coach.

With White Jacobs & Associates, you are paired with a professional credit analyst. You can call/email them anytime. They answer any questions and guide you through the entire process.

Do not customize responses to credit bureaus and creditors

We send each round of audits based on the response from the credit bureaus and creditors. If we don't get their cooperation, we send attorney-backed audits in the 3rd and 4th round.

Do not help you add additional lines of positive credit.

There are two ways to raise your credit score. 1. Remove negative items. 2. Add positive items. We can help with you BOTH. Other companies don't.

So how much does it cost?

Good news. It’s affordable. We’re willing to work with your financial situation.
And it all starts with a no-cost consultation.

You are taking a step in
the right direction.

Contact Us

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