Top Rated Credit Repair
El Paso, Texas

Credit Repair El Paso Tx

Having good credit is essential today and finding a good credit repair company in El Paso, TX to help get your credit back on track is even more important. Too many companies (and individuals) are saying that they can fix your credit, but end up doing very little while taking as much money from you as possible.

Their only concern is what they take away from this, not your satisfaction or ability to live with the credit score that you deserve. When you have a poor credit score while trying to get approved for a mortgage, refinance, new vehicle, or loan – you need an experienced, dedicated company with a process that’s managed by an attorney and an investigative research team to create a customized plan. This ensures that the job is done well, that you are the main priority, and that you are not throwing money away. Getting your buying power back is our mission.

Investigative-Research Based Credit Repair Services for El Paso, TX

A Google search will yield hundreds of traditional companies that basically offer a “dispute” service where they repeatedly send out disputes to the credit bureaus month after month. These companies typically charge about 50 to 100 bucks every month and oftentimes you receive poor results (we know this because many of our clients come to us after being dissatisfied with them).

At WJA, we do things very differently. In addition to pairing you one-on-one with a credit analyst, we utilize an investigative research team that has extensive experience in responding to the credit bureaus and creditors.

Common Disputes vs. Creditor Audits

We go far beyond the common “dispute letter game.” Our 4-round process uses the investigative research team to audit your creditors with customized enforcement of the consumer credit laws that were designed to protect you. Some of these laws include the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transactions Act (FACTA), Fair Credit Billing Act (FCBA), and HIPPA laws.

Less-than-great credit scores. Leave the past behind you.

A damaged credit report can be the result of unexpected events such as loss of employment, medical emergencies, divorce, poor financial decisions, and other unfortunate circumstances. This happens to everyone. Events like these result in general collections, charged-off accounts, late payments, medical collections, student loan late payments, repossessions, or even public records such as bankruptcies, foreclosures, liens, and more. Each of these can cause your credit scores to drop.

Is credit repair really necessary?

Most credit scores fall between 600 and 700, anything below a that can seriously impact your ability to get approval for a home, refinance, or car loan. And yes, many lenders and creditors will work with credit scores as low as 500, but your interest rates will be much higher than for someone in the upper 600s and 700s. Generally speaking, once you’re in the 700s, you benefit from the perks of “good credit.” Bad credit costs you thousands of dollars over time.

Looking at a reliable credit score is critical. Most lenders use a FICO score to evaluate your credit. Unfortunately, many of the “free” credit resources (like Credit Karma) use Vantage scores. At WJA, we encourage pulling a FICO tri-merge report to evaluate derogatory marks that are listed on all three credit bureaus (Experian, Equifax, and TransUnion).

How quickly can we raise your credit scores?

Usually, our clients start seeing results as soon as 45-60 days into the program because of the aggressiveness of our process. Once we review your report, we can give you a better idea of what to expect. We offer a no-cost credit review and consultation. During that time, your credit analyst will work out a game plan and set a realistic timeline.

Get started with the best credit repair in El Paso TX.

We improve scores in two ways. First, our Investigative Research (IR) team works to delete negative and inaccurate items from your report. Second, your personal credit analyst works with you to establish positive credit. Adding positive credit (and managing existing credit) can raise your credit score significantly too. If we determine you’re a good candidate for the program, we will attack every pertinent item on your report and simultaneously coach you on long-term credit success. While we, of course, assist repeat customers, we would prefer that you only go through our program ONCE – so we’ll prepare you for a future full of strong credit.

Local Resources : Consumer Laws

• FCRA (Fair Credit Reporting Act)
• FDCPA (Fair Debt Collection Practices Act)
• FACTA (Fair and Accurate Credit Transaction Act)
• HIPAA (Health Information Portability and Accountability Act)
• E OSCAR (Online Solution for Complete and Accurate Reporting)