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Meet the team

We can help with...

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

Keller, TX continually ranks as one of the safest and richest cities in the U.S. For the last four decades, the way of life in Keller has allowed its population to rise from around 4500 to today’s 45000, but a proportional increase in the cost of living has followed suit. As you are located in the Dallas-Fort Worth metroplex, room to expand is becoming severely limited. You need the best credit repair Keller provides to maintain your way of life.

A good credit score is the financial edge you need to maintain or improve your situation. It affects every aspect of your finances – how large of a loan you can get, your ability to buy or rent a home, the interest rates you get, and even your employment opportunities. Rough times are ahead, if they’re not here already, and you need to get your house in order quickly. That is exactly what White, Jacobs and Associates provides.

credit repair Keller TX

We Do Credit Repair Credit in Keller Differently

WJA is here to help with bad credit issues the right way. We have developed a unique, 4-round process to improve your credit score expediently. Other Texas credit repair companies send by-the-books dispute letters, not caring much about the results they get. They charge you monthly fees and will continue to do it as long as you are willing to pay.

We would be ashamed to use the same inept tactics. Traditional methods have their place, but they are only a fragment of what we do. We will engage in a credit report dispute, but it will be tailored for your specific situation. But that’s just the first step. We then aggressively audit your creditors and leverage the consumer rights you are granted by the state of Texas and the United States of America.

What Is a Normal Credit Score in Texas?

There are many models used to judge a person’s credit score, but the two primary ones are VantageScore and FICO score. They go from 300-850, with a decent score being anything above 660. Credit scores change year-by-year and depend on which model is used, but Texas regularly ranks on the lower end of the scale.

If your score is somewhat above 660, you won’t feel the negative consequences initially – in other words, you will be able to get a loan. Long-term plans are another matter. Your score affects the interest rates you get, so even a 0.5% or 1% difference adds up to a huge amount of money on a large loan. That is why you should always get credit repair services before you make a life-impacting financial decision, no matter your score.

What Causes You to Have a Bad Credit Score?

A multitude of negative items can lower your credit score, many of which were unavoidable – medical collections, repossessions, student loans, late payments – you name it and it can be used to lower your score. Even miscommunication between your creditors and the credit bureaus can cause you to have bad credit issues. WJA has seen it all and knows how to handle it.

The Tactics WJA Uses to Improve Your Score

We take a dual approach – aggressively deleting negative items from your credit reports and adding positive credit. The WJA Investigative Research (IR) Team takes care of the former, while your credit analyst coaches you on how to do the latter. A credit specialist will analyze every negative entry on your reports and we will develop a customized game plan based on the analysis. We will decide which creditors and bureaus to initiate credit report disputes & audits with first and get going straight away.

Sending dispute letters is only the first stage of our process. Frankly, if that was all we offered, you could do it yourself. We will audit your creditors and have our experienced investigative researchers not-so-gently remind them of their legal obligations. You have rights and we intend to protect them. Quality credit repair requires experience, unique methods, and legal expertise – that is the kind of credit repair Keller deserves.

The Strength of Audits over Disputes

A credit report dispute is when you claim that information on your report is inaccurate or incomplete and inform your creditors. In theory, they should remove the negative items if you are correct. In practice, it often doesn’t work like that. Creditors and credit bureaus are stubborn and a hands-on approach is needed. That is why we do audits.

We demand that they show evidence that they can report the negative items. When they can’t, they are legally obligated to remove them. We will apply increased pressure by overcoming their stall tactics and hit them with everything we’ve got until they either validate the debt or delete the entries. They may be stubborn, but we are more stubborn and have consumer rights backing us.

credit repair Keller TX

Are your Credit Repair Methods Legal in Keller, TX?

Everything we do is in accordance with the law. 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 protect your rights as a consumer. Good credit repair services must use the laws to your advantage – which is exactly what White, Jacobs and Associates will do.

How Long Does Credit Repair Take in Keller, TX?

With a traditional credit repair company that only cares about getting paid – years. With WJA – a maximum of 6 months. Many of our clients see their credit score improve within the first 45-60 days of hiring us. We intend to improve your score as quickly as it can be done.

We are Forthright With What We Can Do

At WJA we pride ourselves on two things – our efficiency and honesty. If we don’t believe our methods can help you, we won’t string you along. We will give you a time-frame of how things should happen and keep you informed every step of the way. WJA does Keller credit repair the right way.

Our mission is to improve your life through credit.

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