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Settling in Colleyville, TX, can be a challenge for some. The popular suburb was ranked the 10th wealthiest city to live in the US in 2018. It boasts a median home value of $516,500, a lofty sum compared to the national average of $245,000. So if you want to be on par with other residents, whether in terms of homeownership or other aspects, you need the help of an expert credit repair company in Colleyville.
After all, high credit scores are one of the most vital factors that make or break your plans. High credit scores translate into buying power, something you need for your chance of a peaceful suburban life here. And White, Jacobs and Associates helps you achieve that life with its unique credit repair method.
Credit repair is the process of removing items from your credit report that bring your credit score down. This process also consists of adding positive items that boost your credit score.
By employing some internet tips, you can fix your credit score yourself to a certain extent. For results that truly make a difference, you need to know the ins and outs of the credit laws that were put in place many years ago to protect you.
More precisely, you need to be well-versed in consumer laws such as the Fair and Accurate Credit Transactions Act (FACTA), the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA), the Fair Debt Collection Practices Act (FDCPA) and HIPPA laws.
Bored from reading that? We can’t blame you. But that is why there are expert credit repair Colleyville agencies who can thoroughly deal with cases such as yours. Though beware – not all of them employ legal experts. But we got you covered – at White, Jacobs and Associates, we have an all-star team of Investigative Researchers who know their stuff. And they don’t let wrongful doings slide by.
That is how we set ourselves apart from others. We don’t go the traditional agency route that consists of disputing negative items and not much else. Such agencies don’t genuinely want to correct your credit score. They just drag out their program to profit from your situation. As long as they’re making money month-to-month, they’re happy to let the process go on for 1 or 2 years.
The best credit repair in Colleyville (that’s us) doesn’t stop at sending out dispute emails and letters. We continue our pursuit of creditors and collection agencies with audits and demanding proof that they have legal rights to report those claims in your report.
The WJA process described above has four rounds. The attorneys we have mentioned come into the picture during the 3rd and 4th rounds.
Many times items are reported to your credit reports although they are either inaccurate or the result of numerous types of oversights. That is why we work with lawyers. Our legal team presses creditors and collection agencies on these matters. And if these financial players are still unwilling to remove the disputed items from your reports, WJA is ready to build a legal case against them.
You may be asking yourself, ‘But how do they get away with such things in the first place?’ Unfortunately, as we’ve discussed above, not everyone is an expert in consumer rights. And lenders, credit bureaus, and collection agencies know this. They also know that conventional credit restoration companies are too profit-oriented to actually go into such detail when they take on a case.
Fixing credit scores involves adding positive items to the reports, as well. So, we teach our clients how to add these items. That way, we set you up for life – you leave our process with an improved credit report and knowledge on how to keep it on the healthier spectrum.
From dealing with credit card debt, installment debt, to tips on credit utilization – our team covers all the bases.
At White, Jacobs and Associates, we show you how to get back your buying power.
Collection agencies and other lenders are pressured to act when you’ve got WJA on your side. So our clients often see improvements in their credit reports after 45-60 days. These improvements often come with bothersome calls from lenders, but just ignore their attempts to fool you again.
Many of our clients see substantial results within 2-3 months. And the WJA program as a whole takes a maximum of 6 months. Any work we do beyond that is on our dime. In other words, you are 180 days (or less) away from starting your brighter future in Colleyville, Texas.
Some say the first step is always the hardest. Not at White, Jacobs and Associates. You are just a few clicks away from booking your free credit assessment with one of our dedicated expert credit analysts. Contact us to pair up with the best credit repair company in Colleyville, Texas.
Schedule your Free Consultation & Analysis