Better credit in three to six months
We get results when traditional credit repair companies can’t.
The program runs six months or less, and most clients start seeing results within the first 45–60 days.
We have thousands of satisfied customers.
We’re Different
Our analysts are FCRA and FDCPA certified.
Certified experts, a dedicated 1-on-1 analyst, in-house investigative research, a strategic 4-round process, and attorney supervision—all working together on your credit
Our 4-round process
Most credit repair companies send the same dispute letter four times and hope for a different result. We do the opposite. Every round builds on the one before it, and every response feeds the next stage.
Investigative research
This team is not outsourced. They work from our office in Plano, TX. When we say your file is being worked on by a team, we mean people who are trained, in-house, and operating under legal oversight.
1-on-1 credit expert
Same person. Same phone number. Same email. Your credit expert will know your report, your goals, your timeline, and the specific strategy our Investigative Research team is executing on your file.
Attorney supervision
White Jacobs & Associates partners with The Garcia Law Firm to supervise our entire credit restoration process. That means everything we do operates under the oversight of a licensed attorney.
With 40+ Years of Combined Experience, we’ve helped thousands of people.
Better credit in Three to six months
4 strategies. One stronger credit profile.
Stronger credit takes more than deleting a few errors. Our four-strategy approach combines attorney-managed disputes, positive credit building, hands-on education, and mortgage-ready coordination into one program built around your goal, usually within three to six months.
Removing Negative Items
Inaccurate, outdated, or unverifiable items can quietly drag your score down and cost you real money. Our attorney-managed, four-round process challenges those items at the source and holds the bureaus accountable to what the law actually requires.
Adding Positive Credit
Removing the negative is only half the picture — a strong score also needs positive credit working in your favor. We coach you on building the right mix of accounts and habits, so your report grows stronger as the damage comes off.
Credit Education
The best results come when you understand how your credit actually works, not just what changed on your report. Your dedicated analyst walks you through every step, so you finish the program knowing how to protect and grow your score for good.
Mortgage & Loan Readiness
Most of our clients come to us with a goal in mind: a home, a refinance, or an approval they’ve been denied. We build your credit strategy around that deadline and coordinate directly with your lender, so your report is ready when it counts.