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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

If you ever wanted to live in a modern suburban area in Texas, now’s your chance. Kingwood is already a diverse area both ethnically and economically. Experts claim that the financial future of Kingwood is exceedingly bright, so get ready to see the already impressive economy improve even more. So if you’re credit situation isn’t looking great – you need a fast, effective, and reputable credit repair company in Kingwood, TX.

credit repair Kingwood TX

We Know the Law

Other companies promise you the stars and the moon but the actual results leave much to be desired. Their automated dispute letters are ineffective at removing negative items from your credit. These $100-a-month guys, as we call them, don’t provide one-on-one credit coaching, let alone fix your credit.

At White, Jacobs and Associates, we know what it takes to get your credit in order. Bad credit happens – what matters to us at WJA is fixing it, not placing blame. We also know that automated disputes solve nothing. They’re a way for all the amateurs in the credit repair industry to make a quick buck without doing much of anything. Our methods go beyond that, and our experienced credit repair teams are there to ensure you see results.

But most importantly, we know the law. A part of the secret of our success is our investigative research (IR) team. The members of this team make sure that your rights as a consumer have not been violated. WJA is the expert credit repair Kingwood, TX needs.

How Does Credit Repair Work?

In short, you can take care of your bad credit by removing negative items from the three credit reports. The negative items can stay on your reports for approximately seven years. That’s a long period of time during which your credit will only suffer.

The cause of these negative items? Late or missed payments, accounts being sent to collection agencies, fraud, and others. Hard inquiries can cause additional issues since they count as negative items on the reports. They stay there for about two years.

You can try to dispute the negative items yourself. The consumer law permits it. However, creditors and collection agencies may not take you seriously. They will just assume you know nothing about consumer laws. Of course, you’re trying to get your credit score up sooner than later. As we said, going the traditional round could take years.

The traditional method of repairing credit involves disputing negative items by merely disputing items with the major credit bureaus. Suffice it to say that the traditional method is not as effective as it used to be. You pay the monthly cost of the “service” you’re being provided, yet you’ll see minimal results. A traditional credit repair company makes money as long as you’re in the program. It never ends.

The indisputable king of improving a bad credit rating is a customized approach that includes not only disputes, but audits as well. Don’t let the involvement of a investigative research team intimidate you. When you sign on with a professional credit repair company, you get to take advantage of working with experienced individuals who know how to approach the bureaus and creditors effectively.

It’s only with an investigative research team paired with an experienced credit analyst at your side that you can expect to win a fight against questionable negative items and careless creditors.

credit repair Kingwood TX

How Much Does Credit Repair in Kingwood, TX Cost?

The cost of the service varies from one company to another. We certainly aren’t the cheapest due to our customized process. But it’s affordable.

What’s not affordable are all the ripoffs charging you on a monthly basis to send automated dispute letters. We call those $100-a-month guys because that’s what they do. They mostly care about getting paid month over month. It’s not in their best interest to fix your credit score in a timely fashion.

Instead of wasting your time on traditional methods, call WJA for a no-cost credit evaluation. You can also submit your information in an online form and we’ll get in touch with you. As part of our evaluation, we’ll give you our honest opinion about your financial situation. Don’t buy into traditional dispute nonsense. Get in touch with us first for free.

How Long Does It Take?

If you hire a traditional company to take care of your credit, the process can last indefinitely. They see no reason to help you out sooner rather than later.

With an our team at your side, the process will last a specific amount of time. Most of our clients start to see results 45-60 days after the repair process begins. It will not last longer than six (6) months.

Get Credit Repair in Kingwood, TX

At WJA, we apply the full force of our investigative research team to get results. Our expert credit analyst will be at your disposal through the entirety of the process. Our team will deal with any questionable negative items on all your credit reports. We can even help you fix additional issues caused by violations of your rights such as identity theft.

Take the first step and contact us. It literally costs you nothing. We’ll be upfront and honest from the very start. No endless monthly fees – we’ll give you a timeframe when you can expect results. You will know when to expect any report changes. Get credit repair in Kingwood, TX from the very best – contact White, Jacobs and Associates.

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