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The economic climate in Louisiana necessitates that you get every financial edge you can get – and 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 prides itself in being the credit repair Alexandria deserves.
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. Our goal is to help you look to the future. At WJA we improve your score the right way.
Most credit repair companies you can hire have been using the same tactics for the last 50 years. While it may have worked at some point, the creditors and lenders in Louisiana have evolved, so the tactics need to be adapted 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.
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, while counseling you on how to add positive credit and fix your credit balances.
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 can be removed easily and start contacting the creditors and bureaus straight away. Once they begin responding, 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.
Any negative items that remain on your credit report will be audited. 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 to show us the proof that they have a right to report the negative entries to the credit bureaus.
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 they don’t have substantial proof of.
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) and how it can affect your credit score. We will counsel you on how to manage your installment debts, credit card debt, and look at your payment history, with the goal of having a positive impact on your score.
You can start seeing results as early as 45-60 days in. 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 will not last longer than 6 months.
White, Jacobs and Associates has no intention of adding to your total debt. 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 so you can make progress towards your financial goals without our immediate assistance.
Because of our combative methods, you may be asking yourself whether what we do is legal. Well, not only is it legal, 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. We firmly believe that credit repair services need to use every legal advantage that the letter of the law provides.
People from Louisiana are widely known to be 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.
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