With thousands of happy clients on Google, Facebook, TrustPilot, and more, you will not find a stronger reputation. See how we are different!
We don't just send out dispute letters like other companies. We customize our approach with personalized audits for maximum results.
You'll work with the same credit expert for the duration of the program. They will update you, coach you, and answer your questions.
Our attorney-managed, 4-round process is personalized for each client by an Investigative Research team, all at a reasonable cost.
Schedule your Free Consultation & Analysis
We protect your privacy. Your information is not shared with third parties.
By submitting this form, you agree to receive texts from White Jacobs and Associates. Ongoing communication before, during, and after the program will be initiated by our credit analysts and their assistants. Msg & data rates may apply. Msg frequency varies. Unsubscribe at any time by replying STOP or clicking the unsubscribe link (where available). Privacy Policy
How We're Different
See what our customers are sayingWe can help with...
Known as the heart of California’s Central Valley and the energy capital of the state, Bakersfield thrives on hard work and determination. Yet even the most industrious residents can find themselves struggling with credit challenges that limit their financial opportunities. When your credit score isn’t where it needs to be, it affects everything from buying a home to securing favorable interest rates on major purchases. Finding credit repair in Bakersfield may be your next important move.
Your buying power shouldn’t be held hostage by past financial setbacks. At White, Jacobs & Associates (WJA), we provide Bakersfield residents with an aggressive alternative to traditional credit repair companies that simply send out generic dispute letters month after month.
In today’s competitive housing market, every point on your credit score counts. Whether you’re looking to purchase your first home, refinance an existing mortgage, or secure financing for a new vehicle, your credit score determines not just approval but the interest rates you’ll pay. Even a small difference in interest rates can cost you thousands of dollars over the life of a loan.
Bad credit doesn’t just affect major purchases. It impacts your ability to rent an apartment, qualify for employment opportunities, and even affects insurance premiums. The longer you wait to address credit issues, the more opportunities you miss and the more money you lose.
Life happens, and sometimes it happens all at once. Many of our Bakersfield clients come to us after experiencing challenging circumstances that damaged their credit scores. Job loss in the energy sector, unexpected medical emergencies, or divorce proceedings can quickly derail even the most carefully managed finances.
Credit card misuse and poor financial decisions from the past also create lasting damage. Identity theft and fraud have become increasingly common, leaving victims to clean up financial messes they didn’t create. The good news is that past mistakes don’t have to define your financial future.
Your credit report might contain various negative items that are dragging down your score. Collections accounts, charge-offs from delinquent credit cards, and late payments all create red flags for potential lenders. Medical collections can be particularly frustrating since they often result from billing errors or insurance complications rather than financial irresponsibility.
Student loan issues, bankruptcies, foreclosures, and repossessions represent more serious credit challenges. However, even these major negative items can often be addressed through proper credit repair strategies. The key is understanding which items can be successfully challenged and removed.
Most credit repair companies follow the same outdated playbook . They send out generic dispute letters every month and charge you ongoing fees with no end in sight. You could send these same dispute letters yourself for the cost of postage and save hundreds of dollars in monthly fees.
These companies have no incentive to get results quickly. The longer you stay in their program paying monthly fees, the more money they make. Many clients come to us after spending years with traditional companies with little to show for their investment.
White, Jacobs & Associates has engineered a completely different approach to credit repair. Our 4-round process is designed to get results within a maximum of six months, with many clients seeing improvements in as little as 45-60 days.
Unlike traditional companies that rely on generic disputes, we employ an investigative research team that crafts customized responses based on how creditors and bureaus respond to our initial communications. Each round becomes progressively more aggressive as we gather intelligence about the best strategies for your specific situation.
Understanding the difference between disputing and auditing is crucial to successful credit repair. When you dispute an item, you’re essentially asking the creditor to remove it and hoping they’ll be honest about their mistakes. This approach relies on the goodwill of creditors who have little incentive to help you.
Auditing demands proof that creditors have the legal right to report negative items. We leverage consumer protection laws including the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Billing Act (FCBA), Fair and Accurate Credit Transactions Act (FACTA), and HIPAA laws to force creditors to provide documentation.
When creditors can’t provide adequate proof, they’re legally obligated to remove the items from your credit report. This approach gets results because it puts the burden of proof where it belongs – on the creditors reporting negative information.
Throughout our entire process, you’ll work with a dedicated credit analyst who understands your specific situation and goals. This isn’t a customer service representative reading from a script – it’s a trained professional who reviews your tri-merge credit report from all three major bureaus: Experian, TransUnion, and Equifax.
Your credit analyst develops a customized strategy for your case, sets realistic expectations, and keeps you informed throughout the process. You’ll have direct access to the same person from start to finish. This personal approach ensures continuity and eliminates the frustration of repeatedly explaining your situation to different representatives.
Not everyone is a good candidate for credit repair, and we’ll tell you honestly if our program isn’t right for your situation. Some credit issues are better addressed through other financial strategies, and we won’t take your money if we don’t believe we can help you achieve meaningful results.
Transparency is fundamental to our approach. During your free consultation , we’ll review your credit reports in detail and explain exactly what we can and cannot accomplish. If there’s a better path forward for your specific situation, we’ll point you in the right direction even if it means we don’t earn your business.
The credit repair industry unfortunately attracts some unscrupulous operators who prey on people’s desperation to improve their credit scores. Be wary of companies that make specific guarantees about point increases or promise to remove accurate negative information from your reports.
Legitimate credit repair focuses on inaccurate, unverifiable, or outdated information. Any company claiming they can remove accurate negative items is either lying or suggesting illegal activities. Always insist on a thorough review of your credit reports before signing any agreements.
Poor credit affects more than just loan approvals – it costs you money every single day. Higher interest rates on credit cards, auto loans, and mortgages can add up to tens of thousands of dollars over time. Insurance companies often charge higher premiums for customers with poor credit scores.
Employment opportunities can also be limited, as many employers now check credit reports as part of their hiring process. The true cost of poor credit extends far beyond the obvious financial implications. It affects your quality of life, stress levels, and ability to achieve your goals.
Our mission is simple: restore your buying power as quickly and effectively as possible. We combine traditional credit repair techniques with innovative strategies that other companies simply don’t use. Our investigative research team has years of experience dealing with creditors who try to stall or ignore legitimate challenges.
We believe results are the best marketing strategy. Our reputation depends on helping clients achieve their credit goals, not on keeping them enrolled in ongoing monthly programs. The faster we can improve your credit, the sooner you can get back to living your life without credit limitations.
Your credit situation won’t improve on its own, and traditional credit repair companies will keep you paying monthly fees for years without significant progress. If you’re ready to take an aggressive approach to credit repair, contact White, Jacobs & Associates today for your free consultation.
Don’t let another month pass with poor credit limiting your opportunities. Our Bakersfield credit repair experts are ready to review your situation and develop a customized strategy to get your buying power back. The conversation starts with a simple phone call – and it could change your financial future forever.
Schedule your Free Consultation & Analysis