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>White, Jacobs & Associates has helped many people to get back into good financial standing with credit repair services in Atlanta. Your credit score is extremely important throughout your entire lifetime for major life events like buying a home, buying or leasing a car, obtaining good interest rates with credit institutions and banks, or refinancing. You need to take the necessary actions to repair bad credit scores. You want a credit repair company with a strong mission. If you are struggling with a bad credit score and don’t know what to do – contact us. We are a group of investigative research and credit experts here to repair your bad credit with a personalized solution. We are an aggressive alternative to traditional credit repair Atlanta GA.
Our credit analysts know the industry inside-out. In fact,, we’ve engineered an aggressive process that is nothing like the traditional way of doing credit repair. Traditional credit repair companies take a “dispute letter after dispute letter” approach. We don’t do that. Instead of merely disputing accounts with creditors, we perform audits on creditors using consumer credit laws. Our timeframe is aggressive too. The program lasts a maximum of 6 months (unlike the perpetual program that other companies use). Our clients usually start to see results within the first 45-60 days. This type of no-nonsense approach is why we’re one of the best credit repair companies in Atlanta.
What’s on your credit report? Do you have general collections, charged-off accounts, late payments, medical collections, repossession, or even public records like bankruptcy, foreclosure, or lien. We’ve seen it all. If you are looking for someone for credit repair in Atlanta GA then you’ve come to the right place. We are committed to helping Atlanta communities with effective credit repair solutions that exceed expectations.
A low credit score can deny you approval for a home or mortgage, a refinance, a large purchase – or looking more long-term – it will keep you from getting a good interest rate on loans, credit cards, and other financial investments. Even a small increase in interest rates can mean thousands of dollars in the long run so living with bad credit is costing you much more than you think.
On average, a credit score usually falls between 600 and 750. Scores below a 700 can decrease your chances of qualifying for (or obtaining a good interest rate) big purchases like a home or a car. Some lenders and creditors accept scores below 700, 600, and even 500, but you’ll pay higher interest rates than someone with a good credit score.
You also need an accurate source to review your credit scores. Free sources (like Credit Karma) are generally not ideal. They are not always reliable (you get what you pay for). At WJA, we like to pull a FICO tri-merge report to see exactly what credit items are reporting on each of the bureaus (Equifax, TransUnion, and Experian).
The credit repair process is completely legal, so there’s nothing to worry about in this sense. In fact, there is a multitude of laws protecting you from unfair credit reporting: Fair and Accurate Credit Transactions Act (FACTA), Fair Credit Reporting Act (FCRA), Fair Fair Credit Billing Act (FCBA), Debt Collection Practices Act (FDCPA), and HIPPA laws.
Our investigative research team will fight tooth and nail to ensure your rights are protected and that your creditors play by the rules when reporting negative items on your credit report. This is what makes our services the best credit repair Atlanta has to offer.
You can send dispute letters yourself. And yet, that’s what most companies do. Traditional companies have an automated dispute system instead of customizing and actually auditing creditors through an increasingly aggressive process. There’s a big difference. And, our program is a maximum of 6 months. As we said, our clients typically start to see results in the first 30-45 days into the program. Most “dispute” companies do the same thing over and over with no end in sight. You could be paying a monthly fee for years without good results. Every credit situation is unique, and that’s why we have an investigative research team – we quickly assess the best way to respond to get results.
White, Jacobs & Associates gives you a personal credit expert, and our IR staff goes after all the relevant items on your credit report from the start. As we receive responses from the bureaus and the creditors – we personalize our responses for the next round, and we engage our highly trained investigative research experts. Plus, you’ll have the same person guiding you through the process. Your credit analyst is there to answer your questions and give you updates. Isn’t that better than calling into to a large customer service department (where you have to tell your story again and again)? Read more about our process right here.
You have nothing to lose by giving us a call. We want to hear about your situation. The more details, the better. More importantly, we’ll tell you if you’re a good candidate and what you can expect as a client. A credit review and consultation doesn’t cost you anything. Even if you don’t sign up, you’ll walk away with some solid advice from a credit analyst with years of experience. How could you say no to that? If you’re still not convinced, maybe you should read what our past clients had to say.
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