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How We're DifferentSee what our customers are saying
When people think about Colorado they picture a nature-rich landscape with people hiking, mountain biking, and enjoying Mother Nature. It’s a great vibe, but like any other state, people can’t survive solely on nature and good vibes. You need buying power to purchase a home, a vehicle, or any other major financial move. Even in Colorado, your credit score matters. To qualify for the best interest rates, the better your score – the better your rate. You’ve come to the right place if you’re hoping to hire the best credit repair Colorado has to offer.
Regardless of whether you’re blazing trails or blazing a little weed – it’s inevitable to have financial troubles at some point in life. Clients come to us when their credit score isn’t where it needs to be. It’s holding them back from mortgage approval, loan approval, and a host of other situations where the credit score needs to be higher. Good credit is necessary for the best interest rates.
Just as residents of Colorado take care of their physical and mental health with outdoor activities, they cannot neglect their financial health. Part of this financial maintenance is making sure your credit score is positioned for maximum buying power. The three (3) main credit bureaus (Equifax, Experian, and TransUnion) determine your score based on your history. Therefore, it’s imperative to do everything you can to make sure the details of these reports are accurate.
Credit repair is the art of doing exactly that. And that’s what we do best.
Being skeptical about credit repair is completely justified. Every day people are being scammed. And it’s not just individual scammers. Entire credit repair organizations are providing an ineffective service.
But why are they ineffective?
To understand why most credit repair companies are inadequate, you need to know how they are incentivized. Some of the biggest (and least effective) companies charge for their services on a never-ending month-to-month basis. That means that they make money every month that you stay in their program.
So why would they be in any hurry to get results?
They’re not. And you’re stuck with minimal changes to your credit score. On top of that, you continue paying the monthly fee for years – hoping for the best.
Our company was born out of this frustration. At WJA, our incentive is to get you the best results possible in the shortest amount of time (within the limits of the law) because we understand your urgency.
We’re proud to take the road less traveled. In the credit industry, that means we’re continually adapting to strategies used by creditors and credit bureaus. They will implement new stall tactics, so we adapt by innovating in our communication.
So what exactly are we doing differently?
From the start, we perform a deep dive into your credit reports to uncover every opportunity for improvement. Your credit analyst will review each negative item on your report and give you a realistic expectation of what you can expect from the program. And all that happens even before the work begins.
What’s on your credit report?
The most common items we see are late payments, medical collections, fraud, identity theft, charged-off accounts, incorrect profile information, and negative public records.
One of the biggest factors that sets us apart from other credit repair companies is our customized auditing process. Disputing at the bureau level is not enough. We audit at the creditor level too. That goes for every derogatory account. Going to the root of the issue prevents the item from re-appearing on your credit reports. We encourage you to get a better understanding of our 4-round process by clicking here!
Even though our program only lasts 2 to 6 months, we don’t see this as a short-term investment. We impart credit education for the long term to see your credit improve long after our program. We’d rather not have repeat customers (by if you need help down the road, we’ll help you of course).
You’ll be working with an experienced credit analyst who will be with you during the entirety of the program. They’ll be there to guide you and answer questions that may come up. Your analyst will also keep you updated regarding the work being done by our investigative research team. You will, from time to time, be required to take action and follow simply instructions. Granted, we’ll be doing the lion’s share of the work, but we do need your assistance with a few items (we’ll go over those with you when we speak).
If you’re still unsure about our ability to deliver, that’s great! We appreciate a discerning mind. We usually let our work speak for itself. Take a peek at our reviews and results page to read testimonials from several of our previous clients.
You’ve already done the hardest part – admitting you need help with your credit. Clients come to us from a wide range of situations. Your may have taken a hit because of a job loss, divorce, medical emergency, misuse of debt, missed payment, fraud, identity theft, bankruptcy, collection, or a host of other unfortunate circumstances.
A less-than-great score can deny your approval for a mortgage. And even if you get approved, a credit score that is not in the 700s will keep you from getting the best interest rates. Trust us. You WANT the best interest rates. Even a small difference in rates can mean thousands of dollars in savings during the life of the loan.
If you’re ready to change your life, let’s talk. You won’t find a company with a better mission in the credit industry.
Because of our aggresive approach, most clients begin to see results in about 45 to 60 days. The entire 4-round process takes 180 days assuming you need to stay for that long. You may be happy with your score after a few months and decide to stop the program. That’s up to you.
We rely on you to follow simple instructions to get the absolute best results possible. You credit analyst will go over these details during the consultation (assuming you’re a good fit). Our recommendations come from years of experience so we urge you to do your part.
You have nothing to lose by giving us a call. We’re easy to talk to and we want to hear your story. Only by understanding your situation will we know if we can help you. At a minimum, you’ll walk away with a better direction and some helpful tips. Or even better – we may be able to change your life!