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Meet the team

Exemplary Credit Repair Hawaii

Hawaii, much like all the other states, needs a decent credit repair service. That way, hard-working citizens of Hawaii can get better loans and have more money to spend. We’re White, Jacobs and Associates, and we offer the best credit repair Hawaii deserves.

The economy has certainly seen better days, and the people of Hawaii don’t have as much buying power as they used to. But we can change that. So far, we offer our services in the following cities:

  • Honolulu
  • East Honolulu
  • Pearl City
  • Hilo
  • Kailua
  • Waipahu
  • Kaneohe
  • Mililani Town.

We can help you with your credit score rating. Talk to us.


Hawaii Credit Repair

Unique Approach to Hawaii Credit Repair

At White, Jacobs and Associates, we offer help to people struggling with bad credit. If you have a poor credit rating and don’t know what to do about it, it’s time you hired professionals.

We’re leaders in credit repair and know all the ins and outs of the industry. Our expert credit analysts will take one look at your credit history and know what we can do for you.

Other credit repair companies tend to overlook many possibilities and just focus on the easiest solutions. Obviously, that’s an approach that barely works (when it works at all). They just send dispute letters, hoping that will be enough to improve your credit reports.

As experienced credit repair specialists, we can tell you that it’s not enough. It takes more than just dispute letters to improve your credit score. That’s why we both audit and dispute your creditors, as well as use our in-house law firm to build cases against them. None of the other companies can offer that.

Our lawyers can give you legal advice, build cases against any creditor and collection agency, and ensure your rights as a customer are protected. It’s an aggressive and escalated approach that yields real results.


Do I Really Need a Better Credit Score?

The average score in the US is 711 (according to the FICO model) and 688 (VantageScore).

If your score is below that average, the answer is yes, you need a better credit score.

Anything below 700 (for both scoring models) is considered in need of repair. Here’s why. Your credit score directly affects your buying power. It can even affect your chances of getting new credit cards. If your score is too low, creditors might reject you a loan altogether. 

Even if they approve it, they are probably going to try and impose an exorbitant interest rate because a poor credit score marks you as a risky borrower. Avoid all that unnecessary expense and get credit repair now.


What Is Credit Repair?

First of all, credit repair is your right as a consumer. There are laws that protect you against unfair and incorrect reporting.

That said, credit repair is the process of removing inaccurate negative items from your three credit reports. No real credit repair business will ever try to dispute items from an accurate credit report.

So, what are these negative items that are hurting your credit ratings? They can be anything from late payments and high credit utilization to the kinds of credit you’re using. High credit card balances can have a particularly negative effect on your credit score.

A credit repair company can remove some of these items while educating the clients on improving the rest themselves.


Hawaii Credit Repair

How White Jacobs Does Credit Repair in Hawaii

We don’t just send automated dispute letters like every other credit repair agency Hawaii has to offer. 

From day one, we both audit and send dispute letters to your creditors. Auditing is key here, and it’s something no other company does properly. When we audit your creditors, we demand they show us proof they had the right to report some negative items. And when they can’t provide the proof, they are legally obligated to remove the negative item.

With us on your side, you won’t even have to talk to any of your creditors or collection agencies. We’ll handle all of the communication. And if they prove to be unwilling to cooperate, our in-house law firm does the talking.  Our lawyers build the case against them in an escalated process that gets the creditors to back down.

We also challenge the error-prone software that financial institutions use to communicate with the credit bureaus. More often than not, there are mistakes in reports that should not have happened.


Take Your Buying Power Back

At White, Jacobs and Associates, we deal in real credit restoration. Not only that, but we also offer credit counseling Hawaii citizens need.

Talk to our credit analysts today to get free counseling and a look into your credit history. Take the first step on your road to more buying power.

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