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 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 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. Our reputation rests on our achievements and we don’t mean to tarnish it. 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 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 restoration – any Charlotte credit repair companies that don’t do the same is 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 positive, while any late payments or unpaid debts will be a negative item. You combine those factors and end up with your credit score.

Our Credit Repair Process in Charlotte, NC 

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, you will be assigned a personal credit 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 on your reports.

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 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 out-dated. 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 Charlotte 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 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 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 repair Charlotte deserves – we will get your buying power back.