Top Rated Credit Repair
Alexandria, Louisiana

The economic climate in Louisiana necessitates that you get every financial edge you can get. Alexandria is no exception. Your credit score impacts every aspect of your life, from how much money you pay in interest to how big of a loan you can get. White, Jacobs and Associates handles credit repair in Alexandria with authority and diligence.

With a bad credit score, large-scale purchases and long-term plans are out of the question.You need to know why you have the score you do, but not fixate on it. Nothing is set in stone, so neither is your score. We understand that there are various circumstances that could have led to your current financial situation- unexpected medical bills, divorce, poor handling of finances. To elaborate on financial hardship, the three-year student loan cohort default rate in Louisiana, including Alexandria residents, stands at 11.8 %, which is markedly above the national benchmarks—highlighting systemic repayment challenges among state borrowers from a University of New Mexico analysis. Ultimately, our goal is to help you look to the future. At WJA we improve your score the right way.

We Don’t Employ the Same Old Credit Repair Tactics in Alexandria, LA

Most credit repair companies you can hire have been using the same tactics for the last 50 years. While these tactics worked at some point, the creditors and lenders in Louisiana evolve. Therefore,the tactics need to adapt as well. However, they will take your money on a monthly basis. Not fixing your credit issues while getting paid is definitely not going to help your financial problems.

How WJA Improves Your Credit Score

We have developed a 4-round process that is designed to aggressively improve your score. We employ credit analysts and highly-trained investigative researchers to remove negative items from your credit report. In addition, we counsel you on how to add positive credit and fix your credit balances.

We Analyze Your Credit Report and the Responses from Creditors

As of August 2023, about 33% of residents in Rapides Parish, which includes Alexandria, had debt in collections (excluding mortgage debt), indicating that one third of the adult population had at least one delinquent account sent to collections— highlighting elevated financial distress in the Alexandria area, drawn directly from the Urban Institute’s county-level credit bureau data via their “Debt in America” interactive map. Each person’s situation is unique, so you deserve a customized credit repair process.You will be assigned a credit analyst who will look at your report. Certain items are regularly found on reports – collection accounts, medical collections, charged off accounts, late payments, repossessions, student loans, bankruptcies, etc.

We will decide which negative items to remove and start contacting the creditors and bureaus straight away. Once creditors and bureaus respond, we will analyze the reasons they give for not removing certain items and continue with the process. You could say that up to this point we were playing nice.

WJA Aggressively Removes Negative Items

We will audit any negative items that remain on your credit report. This is a big difference between WJA and any other credit repair firm. The others will send standard dispute letters and hope for the best. We will challenge your creditors for evidence that they have a right to report the negative entries.

Very often, they can’t show the evidence. Like everyone else, they make mistakes, but will cover it up until you press them. This is why for proper credit repair you need a firm hand, and that is what our in-house law firm provides. They will “remind” your creditors of their obligation to remove any and all negative items that aren’t supported by evidence.

We Do Credit Repair Counseling in Alexandria, LA

Removing negative entries is just a part of WJA’s credit repair Alexandria, LA process. We will teach you about the credit utilization ratio (the ratio between your card limit and the money you owe credit card providers). We will teach you how credit utilization ratio can affect your score. WJA counsels you on how to manage your installment debts and credit card debt. In addition, we will look at your payment history. Our goal is to make a positive impact on your score.

When Will I Start Seeing Results?

You can start seeing results as early as 45-60 days in. However, most of our clients report that creditors start contacting them within 30-45 days (we suggest you not respond and forward all communications to us). No matter what, our entire process does not last longer than 6 months.

White, Jacobs and Associates has no intention of adding to your total debt. Moreover, if you are not a good fit, we will tell you right away. Most of the other companies out there are willing to take your money and repeat the same unsuccessful steps over and over. We will repair your credit, or tell you that it can’t be done. If you end up not being a good candidate for our services, we’ll at least give you actionable advice. We want you to make progress towards your financial goals without our immediate assistance.

Is Credit Repair Legal in Alexandria, LA?

Because of our combative methods, you may be asking yourself whether what we do is legal, and short answer: it is. There are multiple laws (Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Billing Act (FCBA), Fair and Accurate Credit Transactions Act (FACTA), and HIPPA laws that protect you from creditors reporting unlawful negative entries.

Our credit analysts know the ins-and-outs of each law and will utilize their skills towards repairing your credit. Thus, we firmly believe that credit repair services need to use every legal advantage that the letter of the law provides.

Start Improving Your Score Now

Frequently, people from Louisiana are straight-talking, and that is the kind of credit repair Alexandria, Louisiana deserves. We will directly tell you what we can do for you. The sooner you contact us, the sooner we can start working on improving your score. We will get your buying power back – that is our mission.

Fully Compliant. Legally Backed. Client-Focused.

White, Jacobs & Associates functions as a bonded and registered credit services organization that maintains full compliance with the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and all required licensing provisions. WJ&A company adheres to best practices established by the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB), ensuring that the statues protect client rights throughout every stage of the process. The organization handles client confidential information using stringent security measures that meet Gramm-Leach-Bliley Act (GLBA) requirements, and incorporates legal supervision to maintain ethical and compliant practices throughout all aspects of operations.