5 Things to Look for in a Credit Repair Specialist
What can a credit repair specialist do for you? If you’re looking to get your life and buying power back on track, there’s no better time than right now. You’re ready to move forward. Ready to lower your interest rates. Ready to see acceptances instead of rejections. And you need to improve your credit to make that happen.
Warning: Plenty of credit repair companies claim to be easy, quick-fixes. They’re telling you what you want to hear, saying they can raise your credit score. We hope you’ll think before you leap into an agreement. Here are a few things to consider.
Be sure to ask your credit repair specialist about these:
1. Timeline for Credit Repair Program
Some credit repair companies out there won’t commit to a timeline. They’ll be vague about it, noting that different situations call for more time. You should never agree to a repair plan without a time frame. Credit specialists that make up the White, Jacobs & Associates team understand that you’re looking for improvement quickly. Large purchases like home and auto are time-sensitive. The WJA program will never carry you beyond 6 months. If for some reason it does, you won’t pay for it.
Typically, WJA clients begin seeing results in 30-45 days. And some actually complete the program in as little as 90 days. We’ll be honest about the timeline. In fact, we won’t even take you on as a client unless we think we can help you.
2. In-House Attorney for Credit Audits
Many credit restoration companies say that they work with a network of attorneys. They don’t have an in-house law office like WJA. They’ll try to tell you that you don’t need a lawyer. The truth is, an attorney-backed system gets results. Bureaus know they’re communicating with the real deal when they see aggressive, personalized letters and audits coming through. We give you a voice. And creditors hear it – loud and clear.
It’s important to understand who is working on your behalf. How long has the credit repair company been in business? Do you have credit analysts, an investigative research team, and an in-house attorney on your side? At WJA, you do. Sky Blue Credit and CreditRepair.com don’t have the resources we do.
Testimonials matter, too. Read reviews. See what past clients are saying. Don’t just rely on website information. A company can paint themselves in any light they choose. Look beyond – to actual references and experiences with the company.
Generic disputes aren’t as effective as they used to be. You’ll need customized letters if you expect bureaus to listen. The majority of credit repair companies are auto-generating basic form letters for you. Honestly, you could do this yourself. Look for a program that understands you’re an individual. Personalized documents yield strong, lasting results.
5. Your Involvement
Credit repair scams want to keep you out of the loop. If you’re in the dark, then they can continue collecting payments month after month. It’s all part of their plan. It’s rare to find a credit repair company who believes in your financial goals, freedom, and success. It’s hard to come by those companies that invite you to participate one-on-one and grow. White, Jacobs & Associates pairs their clients with a personal credit analyst who coaches them from start to finish. They’re the real voice on the other end of the line anytime you call. And they’re making sure you’re prepared to keep maintaining the good credit you’ve paid to improve.
Improve Credit Score with a Committed Specialist Who Cares
Don’t waste your time and money investing in mediocre credit repair. Chances are, you won’t get the best results possible. You’ll likely pay too much for too long. Credit repair scams prey on the desperate. Don’t be desperate. Be smart about your credit this time.
White, Jacobs & Associates knows the ins and outs of credit repair. We’re an aggressive alternative in a vast sea of companies doing things the old way. We’re redefining the industry. Reach out to us today for a no-cost consultation. We’re easy to talk to, and we’re on a mission: to change your life through credit.