White Jacobs & Associates is Nationwide

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Meet the team

Expert Credit Repair Georgia

The economy of Georgia is not as strong as it used to be, but it’s never too late to get back on track. Financial institutions must continue to assess risk and lend money based on the creditworthiness of consumers. People in Georgia will continue to buy homes, cars, and borrow money. So, millions of Georgians rely on their credit scores to be strong enough to qualify for approval and good interest rates. If you find yourself with less-than-stellar credit, we’re here to correct that — get credit repair Georgia needs.

Georgia Credit Repair

We provide expert credit repair services to the people of various cities throughout Georgia.

  • Albany
  • Athens
  • Atlanta
  • Augusta
  • Columbus
  • Macon
  • Roswell
  • Sandy Springs
  • Savannah
  • and other surrounding cities.


Here’s what we offer.

Get Professional Credit Repair Services

With White, Jacobs and Associates at your side, you won’t ever have to worry about creditors taking you for a ride.

When your buying power goes under, your creditors thrive. They’ll give you the old runaround about how risky it is for them to lend you money. Then they’ll slap a downright exorbitant interest rate to make up for the “risk.”

Our credit repair services yield real results because we’re experts at what we do. We also don’t shy away from more aggressive measures if the creditors aren’t willing to cooperate.

How Long Does It Take to Get Started? 

We’d love to hear your story. During the initial conversation, we’ll ask you for details about your current situation and your goals. If you’re a good fit, we can get started right away. The ball’s in your court. All you have to do is give us a call for a free consultation.

We’re very easy to talk to and we’ll answer all of your questions upfront. In turn, your credit analyst will ask you questions about your credit report to give you a realistic idea of what we can do. At WJA, we’re professionals who understand that financial missteps happen. You’re not always in control and life gets in the way sometimes.

Once you reach out to us, we’ll assign you a credit analyst who’ll go over your credit reports and come up with a strategy. We’ll give you our honest opinion about your chances of success — the last thing we want to do is waste your time and money.

After that, you’re in. Credit repair can begin.

Is Credit Repair Legal in Georgia?

What legitimate credit repair companies do is entirely legal. There’s a whole subset of laws protecting you, the consumer, from unlawful reporting. Here’s a couple of them:

  • Fair Credit Reporting Act (FCRA)
  • Fair and Accurate Credit Transactions Act (FACTA)
  • Fair Debt Collection Practices Act (FDCPA)
  • Fair Credit Billing Act (FCBA)
  • HIPPA laws.

A better question is – Does the average credit repair firm know the extent of these laws and use them to your advantage? The answer is no. 

Most credit repair companies send automated dispute letters to the credit bureaus and “hope” for results. These methods are outdated and ineffective. Furthermore, this strategy commonly results in the item being only temporarily removed (if removed at all). Permanent removal typically happens at the CREDITOR level. That’s why we audit creditors instead of merely disputing the credit bureaus. We reach out to the creditor listed on each of your accounts to ensure they have the right to report these items on your credit report. We address the derogatory items on you report at the source. That’s powerful.

Can I Repair Credit Myself?

The law states that you have the right to dispute any negative item yourself. So yes, you can attempt to repair credit yourself.

However, unless you have extensive experience dealing with credit bureas and creditors – the results from your own efforts may be minimal. Hiring a knowledgeable team gives you a much higher chance of success. One reason we are so successful is that we understand that great credit comes not only from removing negative items but also from adding positive items to your report. We coach our clients in adding that positive credit to your report.

Don’t waste your precious time. Get the help of an expert credit repair company.

WJA Credit Repair Services in Georgia

White, Jacobs and Associates is not your run-of-the-mill credit repair company.

We were tired of seeing inefficient companies charge people for outdated restoration practices. We still see it all the time — companies that tell you they’ll fix your credit score with just dispute letters. It’s usually cheap – anywhere from 50 to 200 bucks a month. Unfortunately, the results are commensurate with the cost.

You keep paying the monthly fee, they keep sending the letters. That can go on for months, or years until you realize that your report remains relatively the same.

That’s why we decided to step in and show people that there is the right way to do credit repair. We offer the best credit repair in Georgia. It includes an innovative research team that approaches each account with scrutiny and diligence during each of the four (4) rounds of the process. We also partner with a REAL attorney (just ask for the name) who assists us during the 3rd and 4th rounds of the program.

We customize our approach to every one of our clients, then go after creditors as aggressively as we can within the confines of the law.

And the best thing of all, our credit repair services do not last indefinitely. You’ll see results quickly – typically within 45-60 days. The maximum length of our program is 6 months.

Georgia Credit Repair

Our Process

Our process consists of a combination of an investigative research team and our partnered attorney that tackle even the most challenging of cases.

We’ll immediately go after every negative or incorrect item we deem relevant. Creditors, collection agencies, and credit bureaus will try and get you to validate the debts. They will try to call you. We ask that you request any communication be sent via postal mail.

During the first two rounds of our 4-stage process, we’ll dispute and audit all of your creditors. That means we go after the creditors themselves, demanding they prove they had the right to report the item(s). Oftentimes, they don’t. We leverage their lack of diligence. Our persistence tends to wear out their resistance.

Repair Credit with WJA Today

Don’t wait around while your buying power diminishes. Talk to one of our experienced credit analysts so we can understand your situation. At the very least, we’ll coach you in the direction. Get your buying power back!