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The city of Allen in Texas has seen unprecedented growth in the job market. With a 3.3% job market increase over the last year and a future job growth predicted to be 45.0% (10 year period), Allen is sure to attract even more businesses and new citizens. To get your buying power back you need a reputable and effective credit repair company in Allen, TX.
What that means is the housing market will only keep growing as well. Prices will only keep going up, and the longer you wait, the less likely you are to land a dream house on this side of Texas. The times are tough, however, and it’s highly likely that the only thing preventing you from buying a home is poor credit. To get that fixed up and fast, you’ll need a credit expert.
At White, Jacobs and Associates, we fight to get you your buying power back. And there’s no regaining power while your credit score is low.
We are a credit repair company that believes in an aggressive approach when credit is concerned. Our experienced credit repair team consists of investigative researchers, credit analysts, and even in-house lawyers. At WJA, we know there’s no better way to fix bad credit than with an attorney team at your side.
While other companies tend to do basically nothing and hope their spam tactics bear fruit, we work non-stop on getting your credit back in order. Don’t buy into all the nonsense about automated letters and instant results – the other companies are not being transparent about their process. They probably won’t employ the most effective strategies to fix your credit. Instead, they’ll just do the typical “dispute” process that doesn’t really work anymore.
Instead, schedule a no-cost consultation with one of our expert credit analysts. WJA has all the competent people in the industry – we’ll get your credit sorted out.
Credit repair is the process of improving your credit score by removing questionable negative items from all three (3) of your credit reports – from each of the credit bureaus.
Financial institutions make their decisions regarding lending you money based on your credit reports. They take these credit files and then use information in it to assess your credit score. To do that, they need a scoring model. The most common one that lenders use is the Fair, Isaac, and Company (FICO) scoring model.
What a credit repair company then does is go after inaccurate negative items on those reports. Once those items are gone from the reports, lenders will not be able to use them to decrease your credit score. There’s nothing that can be done about accurate items on the reports, and any company that tells you to dispute those is trying to scam you.
You might be wondering how we’re different from other companies that employ the traditional approach to credit repair. If what we all do is fix credit by removing inaccurate information, how can we be different?
To answer that question, you first need to know what traditional repair entails. What other companies do is send automated dispute letters. Thousands of them. Their target? Your creditors and collection agencies. Their aim is to bury your lenders in so much mail, they won’t be able to get to all of it. And by law, if the creditor doesn’t respond within the 30-day time period, the negative item will have to be removed from your report.
What’s wrong with this? Firstly, this approach usually does not work. Both creditors and collection agencies are capable enough of handling all the automated disputes. Secondly, depending on how sketchy the credit repair company is, they might try to dispute EVERY item on your credit reports, even the valid, accurate ones.
So, what does WJA do differently? We don’t just send automated disputes and hope for the best. We audit your creditors, demanding they show us actual proof that they’re permitted to report items. We also employ the services of an in-house law firm that builds a case against your creditors. Attorney-backed credit repair is the only real way to get results!
It is 100% legal.
Did you know there’s a whole group of consumer laws dedicated to protecting you against unfair reporting?
If not, here they are: Fair Credit Reporting Act (FCRA), Fair and Accurate Credit
Transactions Act (FACTA), Fair Debt Collection Practices Act (FDCPA), Fair
Credit Billing Act (FCBA), and HIPPA laws.
The purpose of these laws is to ensure fair and verifiable reporting. But laws will do you no good unless you have an attorney team on your side. Creditors and collection agencies are fully aware of this. If you try and challenge them on your own, you won’t really stand a chance. It’s highly likely they know all the ins and outs of these laws better than you.
For that reason, there’s nothing better when it comes to disputing items than having a law firm do it for you. A law firm that specializes in consumer laws.
Contact White, Jacobs and Associates today to receive your free consultation. Our credit analysts will assist you in any way they can. WJA hires only real credit experts, so rest assured – you’re in good hands.
Schedule your Free Consultation & Analysis