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Meet the team

We can help with...

  • Charge-Offs
  • Collections
  • Bankruptcy
  • Late Payments
  • Repossessions
  • Foreclosures
  • Student Loans
  • Dispute Code Removal
  • Credit Coaching
  • Re-establishing Credit
  • Debt Settlement

Credit Repair Denver, Colorado

Denver may be the “Mile High” city, but it does not have its head in the clouds. In fact, Denver is one of the busiest cities in the west and though the cost of living is not quite “mile high,” it is certainly higher than many. For those with bad credit, it’s difficult to get the home and lifestyle they want, even if the bad credit is not a result of their own actions. If you are suffering from a low credit score, the best thing to do is call a Denver credit repair company as soon as possible. Preferably one with that doesn’t just send dispute letter indefinitely – which is what many of them do.

Sending out dispute letters over and over again is NOT what we do. We actually AUDIT creditors.

Most of the companies you’ll find online offer traditional credit repair. We call them the “100-dollars-a-month” guys. White, Jacobs & Associates (WJA) uses an aggressive approach compared to traditional credit repair with a process that we’ve engineered to get results quickly.


Avoid the Credit Repair Scams. Talk to WJA.

Beware of credit repair companies that make guarantees without looking at your reports. Part of the reason we have an outstanding reputation is because we’re transparent about what we expect to accomplish after looking at your FICO credit reports. A credit review and consultation comes at NO charge to you. All we need to start is a tri-merge credit report to review your accounts in detail. If we cannot help you, we’ll tell you straight up. We don’t want to waste your money.

What’s on your credit report? – general collections, late payments, charge-offs (delinquent accounts), medical collections, student loan late payments, a lack of positive credit – or public records such as repossessions, bankruptcies, foreclosures, tax liens, and more. If any of those look familiar, we’d like to take a closer look.

After reviewing your credit and determining that you’re a good fit, we use consumer credit laws to delete the negative/inaccurate items from your credit report. Specifically, these laws include (but are not limited to) the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Billing Act (FCBA), Fair and Accurate Credit Transactions Act (FACTA), and HIPPA laws.

A Better way to do credit repair in Denver

People frequently ask – “How are you different from other credit repair companies?”

It’s a fair question. We would go on and on about the differences, but we’ll give you the short version.

You’ve seen the traditional companies all over the internet – Lexington Law, Sky Blue,, 700Club – they all basically do the same thing – send out dispute letters on a monthly basis and charge an ongoing fee (potentially for years). Here’s the thing: You could send disputes yourself!

In contrast, the WJA program is completely customized to your situation. We have an urgency to get results. Instead of only sending disputes, we go through an auditing process with creditors in our 3rd and 4th round. Credit restoration is a complicated endeavor. Our investigative research team has experience in communicating with the credit bureaus (Equifax, Experian, and TransUnion), collection agencies, and creditors. And we haven’t even talked about the personal credit analyst that works with you during the entire process (it’s like having your very own credit coach).

How long will it take to repair my credit?

As we said before, getting your buying power back as quickly as possible is our priority. In fact, that’s our entire mission. The duration of our program is maximum of 6 months. Our clients usually start to see results within 45-60 days. If you want a better idea of what to expect for your specific situation, just give us a call. We offer a no-cost credit review and consultation. Why would you hire an ongoing month-to-month company (with NO maximum duration)? The longer you stay with them, the more money they make!

What are you trying to accomplish with Denver Credit Repair?

Past clients have come to us seeking help with mortgage approval at a good interest rate. Others are looking to refinance. Some are looking to buy a new car. Still others just want to clean up their credit to benefit from all of the perks of a strong credit score.

Whatever the reason, there’s no risk to you in talking to one of our friendly credit analysts. We want to hear your story and understand your goals. That’s why the credit review and consultation is absolutely free. At the very least – you’ll walk away with a better understanding of your credit AND you’ll get some coaching from a professional.

Still not convinced? Check out what some of our past clients have to say about their credit restoration experience with WJA.

Local Resources : Consumer Laws

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