Top Rated Credit Repair
Broken Arrow, Oklahoma

With a low unemployment rate and growing population, Broken Arrow, OK, is poised for a bright future, despite turbulent times. What that means is that getting proper credit repair in Broken Arrow is as crucial as ever.

The longer you wait, the further your plans will drift from you. White, Jacobs and Associates is primed and ready to repair your credit score. Times are rough, and honest credit repair companies are hard to come by.

At WJA, we work hard to fix your credit score and give you your financial freedom back.

What is Credit Repair?

It depends on who you ask. Traditional companies view credit repair substantially differently than we do.

In our books, credit repair is the method of boosting your credit score by adding positive items and removing negative, questionable ones from your credit reports.

Credit reports serve as a window into your financial responsibility. That means that potential creditors use your reports to determine if you can repay a loan and what kind of interest rate you should get on it. They take a hard look at your credit score, which ranges from 300 to 850.

If you have a poor credit score (under 660), you are much less likely to pass favorably when taking out a mortgage, applying for a student loan, applying for an auto loan, and so on. That is why you need to repair your credit before making a significant financial and life decision.

At White, Jacobs and Associates, we go after questionable negative entries on your credit reports. We remove them, so that lenders can’t use them to lower your score.

Traditional Credit Repair VS. WJA Credit Repair in Broken Arrow, Oklahoma

Traditional credit repair companies have very few steps in their process. They take on your case, look at your credit report, and begin sending out basic dispute letters to your creditors and collection agencies. There are two problems with this approach:
● These letters are automated and thus have little effect on getting creditors to react.
● Minor effect is also had because traditional companies don’t just dispute inaccurate negative entries but also accurate ones.

All of this leads to companies scamming you out of your hard-earned money, as well as wasting your time.

We don’t use this sketchy approach. We believe that customization leads to results. Meaning, we consult with you and assess your situation thoroughly. Then, we devise your customized credit repair plan. The plan isn’t to dispute items pro forma. No, we pinpoint questionable items and diligently pursue creditors and bureaus to show us the proof that they fully have the right to list those entries in your credit reports.

That’s right, we audit these financial players, and we do it with our in-house lawyer team. We go as far as to build cases against creditors and collection agencies.

At WJA, we stop at nothing to restore your credit to its former glory.

When Can I Expect the First Results?

Conventional credit repair companies prolong their process for up to two years. And they do so while charging you $100 a month! At White, Jacobs and Associates, your case will be done in a maximum of six months.

Some of our clients start seeing results after 45 to 60 days. That comes in the form of panicked creditors. They begin sending emails and calling clients up, asking them to validate the questionable negative entries we’re auditing at the moment. Don’t give in to their calls and just forward all the mail to us.

At WJA, we sell honesty, expertise, and transparency. We will let you know at the first meeting if your credit score can be restored. We won’t waste your time nor your money.

Is Credit Repair Legal in Broken Arrow, OK?

It is 100% legal.

Our in-house team of lawyers is knowledgeable of U.S. consumer laws, like the 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.

Traditional credit repair companies don’t use the law to your advantage, but at WJA, we handle things differently.

Seize Back Your Financial Freedom

Call us up today and schedule a free consultation. Our credit experts will be happy to assess your case and let you know what your next step should be. Thanks to White, Jacobs and Associates and its team of professionals, you can get the best credit repair Broken Arrow has to offer.