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in Georgia

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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. It’s safe to say that financial institutions are to blame. They’re the reason why millions of Georgians keep losing buying power. We’re here to correct that — get credit repair Georgia needs so badly.

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

  • Albany
  • Athens
  • Atlanta
  • Augusta
  • Columbus
  • Macon
  • Roswell
  • Sandy Springs
  • Savannah.

Here’s what we offer.

Georgia Credit Repair


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 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 won’t hold your credit reports over your head. 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 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. 

If a credit repair company tells you they just send automated dispute letters to try and get the credit bureaus to bend the knee, just walk out the door and don’t pay them a cent. The odds are they have no idea what they’re talking about. You could do the same level of “credit repair” yourself.


Can I Repair Credit Myself?

The law states that you have the right to dispute any negative item yourself. You can try to repair credit yourself.

However, unless you’re a consumer rights lawyer, your case is likely going to get thrown out. Creditors and other financial institutions are more than prepared to deal with disputes. They have entire teams whose sole purpose is just that.

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 all the fake credit repair wannabees charge people for doing absolutely nothing. We still see it all the time — companies that tell you they’ll fix your credit score with just dispute letters.

You keep paying your monthly fee, they keep sending the letters. That can go on for months, years even until you realize that your score won’t budge.

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.

We customize our approach to every one of our clients, then go after creditors as aggressively as we can. Our process involves an attorney that will build a case against your creditors if they don’t want to cooperate.

And the best thing of all, our credit repair services do not last indefinitely. You’ll see results fast. Typically within 30-45 days since we initiate the process. It never takes longer than six months.

Georgia Credit Repair


Our Process

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

We’ll immediately go after every negative or incorrect item we can get our hands on. Creditors, collection agencies, and credit bureaus will try and get you to validate the debts. Ignore them. Leave all the correspondence to us.

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 some negative item. Guess what? They often didn’t.

After that, we get the law firm fully involved. It’s an escalated process that yields real results. In the 4th stage of the process, we go after software that creditors use for reporting. It’s an alphanumerical piece of software that’s often the cause of incorrect reports.

Sooner or later, creditors have to give in under our relentless approach. That’s how we offer 


Repair Credit with WJA Today

Don’t wait around while your buying power diminishes. Talk to our counselor today free of charge and see your credit score improve in a matter of weeks. Get your buying power back!