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Meet the team

Arizona’s Grand Canyon is deep, but the depths of bad credit are even deeper. The average credit score in this state is a solid 706, which lands into the good credit balance category. But what if you’re under this score? Such a situation makes you more unfavorable than your fellow Arizonians in the eyes of lenders, landlords, and yes – even employers! If this sounds all too familiar, you are in the right place. At White, Jacobs & Associates, we provide credit repair Arizona and its citizens deserve.

We won’t waste your time and money if we can’t actually bringing in results as some traditional Arizona credit repair companies do. We take an aggressive approach to restoring your credit through our unique 4-round process.

Arizona Credit Repair


All traditional credit repair companies do is send out generic dispute letters to your creditors. This process can drag on for months or even years without yielding any significant results. They are known as the 100-bucks-a-month-guys that just look to prolong your case as much as possible. 

Why is this ineffective? Creditors and bureaus rarely respond to these pro forma disputes because they can see that they came from a credit repair company that’s not diligent. Also, these conventional repair companies don’t just dispute negative entries in your report, but sometimes positive ones as well!


White Jacobs & Associates Arizona credit repair services are focused on getting lasting results fast. We don’t just send out dispute letters – you can do that yourself. We audit your creditors and even build cases against them if we find they have acted illegally and wrongfully reported a derogatory item on your credit score. 

We will challenge your creditors and demand evidence on questionable negative items. We do this because you need a firm hand to see results. If they can’t validate a negative item (which is often the case), they are obligated by law to remove it from your credit report. 

Our team of in-house lawyers is what sets us apart the most from other repair businesses. They are the ones who perform the audits and build the cases against bureaus and collectors if needed. Our attorney team is well-versed in consumer law, so they know how to fight your case.

Removing negative entries is one of the two approaches we take to repairing your credit score. The other one consists of education and consultancy sessions – we coach you on adding positive points to your score. That is primarily done via on-time payments and smart credit utilization. We also coach you on handling your installment and credit card debts. The aim is to set you up for the future, long-term.


When our credit analysts meet up with you for the first time, they check your credit reports and draft a credit repair plan tailored to your needs. After the initial consultation, we will immediately let you know what needs to be done and how long it’s going to take. In addition, your personal credit analyst will be with you every step of the way throughout the process – answering all your questions and providing you with advice and guidance. You won’t find this level of personalization anywhere else. Other credit repair Arizona companies take a much more generic approach to their clients’ cases.


At White Jacobs & Associates, we handle all kinds of blemishes on your credit report, including:

  • Late payments
  • Medical Collections
  • Foreclosures
  • Debt settlement
  • Charge-offs
  • Bankruptcy

Arizona Credit Repair


Absolutely! Our methods may sound harsh, but they are entirely in compliance with the law!

Our attorneys know the ins and outs of U.S. law, especially consumer law, including the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Billing Act (FCBA), the Fair and Accurate Credit Transactions Act (FACTA), and HIPPA laws.


With White Jacobs & Associates, credit repair in Arizona takes no more than 6 months. Depending on your situation, it can take even less with the first visible results coming in within as little as 30-45 days. This is both faster and more effective than paying a credit repair company to send out dispute letters.

The bottom line is that we won’t lead you on. Once we’ve had the chance to analyze your credit, we’ll be able to tell you exactly what you can expect both in terms of a time frame and in terms of results. Reach out to us and schedule a free consultation – no strings attached!


If you book your consultation today, you may be just six months away from a good credit score and the financial freedom it brings you! Team up with White, Jacobs & Associates for lasting credit repair results.

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