Top Rated Credit Repair
Charlotte, North Carolina

Credit Repair Charlotte

Charlotte, NC continually ranks as one of the top cities to live in and build a career in the U.S. For Charlotteans, this comes as no surprise – as the second-largest baking center in America, the home of 7 Fortune 500 companies, more than 240 energy companies, and much more, opportunities abound. However, it is also one of the fastest-growing cities in the U.S. You need to make smart decisions to stay on top, and looking for the best credit repair Charlotte provides is a start.

Your credit score impacts every financial decision you make – from your ability to get a loan with good interest rates, to your ability to lease a home. You should always get credit score restoration services to improve your score before you make any life-changing resolutions. At White, Jacobs and Associates, we employ our expertise for your benefit.

A Modern Way to Improve Your Score

The reason you have a bad score is only important to us so that we know how to fix it. There is nothing that can be on your reports that we haven’t seen – from medical collections, late payments, and student loans, to foreclosures and mistakes by the credit bureaus themselves. 

Even identity theft can mess up your score. We don’t believe previous bad choices or a stroke of bad luck should hang over your head for the rest of your life.

WJA combines traditional credit score repair services with our innovative 4-round process. Most other companies will charge you monthly fees to do the same thing over and over again, without getting results.

We Tell It How It Is

Our reputation rests on our achievements and we don’t mean to tarnish it. We won’t promise to help you if there’s nothing we can do. It’s important to be upfront about what you can and can’t do. 

Any credit score repair company doing the same thing over and over again and not getting you results is not worth your time. Don’t allow yourself to go the way of the Hornets – if things aren’t working, try something new. This is what WJA offers and the credit repair Charlotte deserves.

How We Fix Your Score

Proper credit score repair needs to be done in two separate routes – adding positive credit and aggressively removing negative items from your reports. You will be coached on the former, while we take care of the latter. This is the basis of credit score restoration – any Charlotte credit score repair companies that don’t do the same are not worth your time.

How is My Credit Score Calculated?

There are 3 major credit bureaus (Experian, TransUnion, and Equifax) that gather your information. Your creditors – banks, landers, credit card companies, etc. – send them data about your financial dealings and they compile them into your credit reports. All of your important financial history within the last decade shows up in the reports.

Based on that data you are assigned a numerical value that, in essence, represents how reliable you are when returning the money you borrow. So, a history of taking out loans and paying them off in time will be a plus, while any late payments or unpaid debts will be a negative item. You combine those factors and end up with your credit score.

Do I Really Need to Fix My Credit?

We still hear this question often enough. People often wonder if there’s really any need to get credit repair in the first place.

The answer is a resounding yes. Without a better credit score, you can’t hope to get the loan you need. Even if you do get it, interest rates might be so bad that you’d rethink getting it in the first place.

Our Charlotte Credit Repair Process

It is our firm belief that your credit reports are like your fingerprints – each one is unique. Consequently, credit repair services require a customized process, specific to the circumstances you are in. Before we start repairing your credit score, you will be assigned a personal credit score analyst who will research your reports.

They will come up with a game plan of which items to tackle first and which bureaus and creditors need to be pressured most. We will inform you of what you can expect and the time frame you can expect it in. 

As soon as the strategy and expectations are clear, we start going after everything relevant to your reports.

The 4-Stage Process

Our process has 4 stages. In the first and second rounds, we dispute the validity of the negative items. Some items will be removed, but we don’t expect all of them. We will note what has been deleted and analyze the rest of the responses. The first rounds are the exploratory stages – we need to know which methods will work best.

The third and fourth round is where our process truly shines. We will engage our in-house law firm and audit your creditors. Our, and now your, credit repair lawyer will leverage all the legal protections you have to improve your credit score. We will do this for each negative item left on your report until your score is the best it can be.

What is the Difference Between Audits and Disputes?

When you send dispute letters, you are claiming that certain information on your report is incorrect or outdated. This necessitates that your creditors are honest brokers and will admit that they made a mistake. 

Often, they don’t fear the little guy, so they end up ignoring you. You could sue them, but the process is hard and draining and most people don’t go down that route.

When we audit them, we demand they show us the proof of the items they are reporting. They are legally obligated to provide it and when they know you have us backing you, they will fear the repercussions if they don’t. 

We have the resources to bring them to justice and our credit repair lawyer is always on standby to jump in when necessary.

How Long Does Credit Repair Take?

This is one more aspect that makes WJA stand out from the crow – our process never lasts more than 6 months. You may see results within the first few weeks of hiring us, but most of our clients tell us their score improves significantly within 30-45 days. Once our credit score analyst takes a look at your reports, we will give you a specific time frame.

We Provide What You Need

With White, Jacobs and Associates you get the services of a credit score analyst, expert, and credit repair lawyer. We will tell you what we can do for you and not charge you a dime more. Contact us and arrange a free consultation to see how we can help you. WJA provides the credit score improvement you deserve – we will get your buying power back.