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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. The best credit repair Houston provides is able to help you get back on track with your credit score.

Not a lot of people want 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, but our services are backed by an in-house law firm to make sure the law is on your side.

Past financial troubles? Attorney-Backed Credit Repair in 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.

We Take a Hands-On Approach 

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.

You Deserve Someone to Fight For You 

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.

WJA Cares about Your Financial Status 

The goal of the “100-bucks-a-month” guys is to have you as their clients for as long as possible. That’s the way their system functions and the method by which they make money. So, not only are you waiting years to repair your credit score, your financial situation is worsening due to the monthly payments. 

You’re not going to have much luck buying a house in TX that way. At WJA we guarantee our clients that we will fight tooth-and-nail to improve their score, and we will do it as expediently as possible. If your credit score can’t be improved, we will inform you straight away. We won’t have you paying us while doing nothing to help.

Credit Repair Scams vs. The WJA Experience 

Any credit repair company that makes a specific guarantee 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.

What We Can Help With

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.

Is Credit Repair Legal in Texas? 

Yes, credit repair is legal in TX. All of our tactics are approved by our in-house team of lawyers. We help our clients improve their credit score legally. The last thing we want is to put further strain on your financial situation by having you go through another long and expensive legal process. 

What Legal Resources do You Have? 

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.

Why Hire WJA? 

We care about our client’s financial situation. We believe that results are the best marketing strategy you can have in TX. If the best credit repair Houston has to offer is asking creditors for answers and sending generic dispute letters, then why not do it yourself? We won’t guarantee specific outcomes, but we will guarantee that we will use all the resources available to improve your situation. 

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. Oftentimes, 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. 

Investigative Research 

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. 

We Provide a Time-Frame 

It is in your best interest to have your credit score improved quickly. The faster you are done with the process, the faster you can get a loan. Not only that, but you won’t have to continue to pay for Houston credit repair.

Improving Your Score Does Not Take Years 

The worst outcome for you is to pay for credit repair for years on end, only to have nothing come out of it. You lose substantial amounts of money, while you could have been searching for other solutions for free.

WJA Won’t Mislead You 

The bottom line is that your credit score can either be improved, or it can’t. We value honesty at WJA and you will be told as soon as possible what can be done to improve your credit score. Think about why a company would guarantee results, but won’t give you a time-frame in which it can be accomplished?

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.

How Much Does Credit Repair Cost? 

Unfortunately, there is no set cost. Each situation is unique and we can’t give you a cost assessment until we are aware of your specific circumstance. We can make a base assessment once you have contacted us and we conduct our no-cost review.

You Pay More the Longer It Takes 

One thing is certain, the longer the process takes, the more you have to pay. That is why we stress that our process lasts a maximum of 6 months and we will do our best to make it as short as possible. We won’t string you along for years without accomplishing anything. 

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 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. 

Don’t Settle for Anything but the Best Credit Repair Company in TX 

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.

 

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