Top Rated Credit Repair
Euless, Texas

With the average yearly income higher than the US average, Euless is certainly a great place to settle down. Add the growing career opportunities in the area, and you get a match made in heaven. Not to mention you’re in the Mid-Cities suburban region, the best possible place to get a home in Dallas and Fort Worth area. You may be a good fit for the best credit repair Euless has to offer.

However, staying afloat under current economic circumstances is anything but easy. The pandemic has likely already taken its toll on your financials. You probably already tried to get credit counseling with one of the traditional credit repair companies, without results. What you need is a company that’s more aggressive about fixing your credit.

Need Help With Credit Repair?

Then talk to our credit analysts at White, Jacobs and Associates for free. We offer the city of Euless credit counseling and put our experienced credit repair teams at your disposal.

Other credit score repair companies put too much stock in outdated and ineffective methods. Not only that but it’s also not in their best interest to actually solve your problem. So long as you keep paying your monthly fees, they’re happy. That’s why they’re content with just sending automated dispute letters and crossing their fingers. And that’s why we refer to them as $100-a-month guys.

At WJA, we consider such an approach to be not only timid and weak but also a scam. Our credit score repair methods are much more direct and forceful. We don’t take kindly to creditors and collection agencies that unfairly report your negative items. We go after them in full force with an in-house law firm at our side. We offer aggressive credit repair Euless, TX needs.

What’s the Cause of Bad Credit?

It can be any number of things. 35% of your credit score is payment history. That means that late payments can hurt your credit score badly. Payment history shows lenders how good your debt management skills are.

Other factors that affect your credit score besides late payments are the number of open credit accounts, delinquencies, credit utilization, and applying for credit cards.

If you need help with lowering credit utilization or debt management in general, you need a consumer credit counseling service. There is such a service in Euless – contact WJA today.

How WJA Repairs Your Credit

Our 4-step process is designed to get the maximum results in the shortest amount of time. It’s also intentionally and purposefully aggressive, with the goal of showing your creditors we mean business.

We don’t look at just one credit report, but all three of them. We’ll latch onto everything on your credit reports that’s of any interest to us. The creditors, collection agencies, and credit bureaus will try and reach out to you. You’ll send all correspondence to us and we’ll take care of it. You don’t have to trouble yourself with it. We’ll not only dispute questionable negative items on your reports but also audit your creditors.

Then we escalate the process further and get our legal team involved. Don’t let that intimidate you. Consumers often wonder if the situation will become too serious then. But don’t worry – our in-house attorneys are experts on all consumer laws. They’ll help build the case against your creditors.

That’s the secret of our success and what allows us to be so aggressive in our approach – we’re an attorney-backed credit repair company. It’s the only right way to perform credit score repair.

How Long Before You See Results?

That’s another thing that sets us apart from all the other companies. We give you a timeframe to work with.

It depends from case to case, but our clients can usually expect to see results within 30-45 days after initiating the process. A lot of our clients see some results within about two weeks. At WJA, the process never extends past the 6-month mark.

Do I Need Credit Counseling in Euless?

If you find yourself struggling with debt management and late payments, then the answer is yes. Consumer credit counseling service is there to help you manage your credit cards better and get out of debt faster.

A company that offers consumer counseling in Euless will need several things from you before helping you. It’s crucial to know your spending habits, current credit card balance, payday loans, your income, and a few other things. Providing all that information is the first step to better debt management.

Of course, all your data is safe and protected, so don’t worry about that.

The reason why you need a credit counseling service in Euless is that lenders are always interested in your debt management capabilities. They want to see how much money is coming in, and what’s left of it.

The rule is that payments should not exceed more than 31-36% of your gross income. If you’re within the range, you’re in a great position for a loan. 36-43% is fine, but it can be better. If payments exceed 43% of your gross income, lenders will see it as a red flag.

Debt Management and Credit Counseling in Euless, TX

At White, Jacobs and Associates, we do everything to help out our clients with financial troubles. Our mission is to be the best in the industry, and we plan to achieve that with experienced credit repair teams that include investigative researchers, in-house lawyers, and credit analysts.

Get in touch with us today and get your buying power back.