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    We can help with...

    • Charge-Offs
    • Collections
    • Bankruptcy
    • Late Payments
    • Repossessions
    • Foreclosures
    • Student Loans
    • Dispute Code Removal
    • Credit Coaching
    • Re-establishing Credit
    • Debt Settlement

    Credit Repair Houston Tx

    Credit can change your life. When it is good, you have almost everything open to you. You can afford to purchase a home or car, and you are not limited or restricted due to it. When it is bad, however, you are facing more problems and rejections. No one wants to deal with you when you have poor credit, and it is difficult to find trustworthy people that will. Having capable, skilled, and trusted services for credit repair Houston TX gives you the opportunity to get your finances back in shape. White, Jacobs & Associates is not a law firm however their services are backed by an in-house law firm to make sure the law is on your side.

    credit repair houston tx

    Past financial troubles? Attorney-backed Credit repair Houston may be the answer

    When it comes to your finances, you understand that good credit can save you thousands of dollars, and it can also mean the difference between approval or rejection for bigger financial moves during the course of your life.

    Naturally, you want to repair your credit in the best way possible. Credit repair services should do more than just talk. You want real action behind the words. That doesn’t mean sending out a few dispute letters every month like most credit repair companies. That may have worked years ago, but a firmer hand gets much better results.

    If you’re serious about being approved for a home, refinance, loan, or getting good interest rates on purchases, credit cards, etc – you need a serious company that takes an aggressive approach in credit restoration. Sure, you could hire the “100-bucks-a-month” guys, but don’t expect great results. Great results come from a customized process backed by an investigative research team and an in-house lawyer. And that’s what White, Jacobs and Associates offers you.

    Credit Repair Scams vs. The WJA Experience

    Any credit repair company that makes specific guarantees about results should be approached with great caution. Here at WJA, you’ll find that we’re upfront about what we expect to accomplish after looking at your FICO credit report from all three bureaus. This is part of our no-cost credit review and consultation. If we cannot help you, we’ll tell you. We don’t want to waste your money.

    We assist with all types of items reporting on your credit – general collections, late payments, charge-offs (delinquent accounts), medical collections, late payments on student loans, repossessions, bankruptcies, foreclosures, and more.

    Once we decide you’re a good fit, we use consumer credit laws to delete the negative/inaccurate items from your credit report. Those laws include (but are not limited to) the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Billing Act (FCBA), Fair and Accurate Credit Transactions Act (FACTA), and HIPPA laws.

    Disputes vs Audits

    One of the differences between WJA and other credit repair companies is that we audit creditors and DEMAND that they show proof (validate) of their ability to report these items on your credit. Often times, they can’t provide the proof, so they are required, by law, to remove those items from your credit. That is why auditing can be more effective than disputing, and you get that benefit by working with WJA. We have an entire team of investigative researchers that craft responses to creditors based on how they respond to our letters. You won’t find that level of customization in most credit repair companies.

    How long does the restoration process take?

    Our 4-round process lasts a maximum of 6 months, however, it’s common for clients to be done after 3 months. Once you start, it’s typical to start seeing results as soon as 30-45 days into the program. If you want a better idea of what to expect based on your specific situation, just call us. 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.

    We’re easy to talk to. Let’s get started on your credit repair in Houston.

    You need personal attention. You’ll consult with one of our professional credit analysts for every step of the way. Regardless of the reason, your credit score needs some work. Let the professionals handle it. You can’t go on like this and the sooner you start – the better. You need more than generic dispute letters to the bureaus, which you can do yourself. WJA knows the intricacies of Houston credit repair and will use that knowledge to assist you in every way possible.

    You need your buying power back. That’s our mission. Let’s get the conversation started.

    credit repair houston tx

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