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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

CREDIT REPAIR LEWISVILLE, TX – More than just disputes

The city of Lewisville, Texas, claims a bright future ahead. Can you say the same about your finances and credit score? The majority of companies out there today are offering traditional credit repair in Lewisville. These “100-bucks-a-month” guys are concerned with profit – not your improved and enduring credit results. White, Jacobs & Associates (WJA) provides clients with an aggressive alternative to traditional credit repair. Our unique and proven program is engineered to ensure financial progress in minimal time.

Indeed, WJA isn’t wasting your time and money by sending out automated dispute letters like these other Lewisville credit repair companies. With these rackets, you’re charged monthly for insufficient and ineffective “services.” By joining our aggressive 4-round system, you’ll find yourself in an intense program that targets the real issues. We audit creditors and ask each to prove they’re actually validated in reporting items on your credit report. To do it like this, you need a team of professionals like experienced credit analysts and an investigative research team. We’ve got all that.

credit repair lewisville tx


With a bad credit score, you are likely to be denied approval for a home or mortgage, a refinance, or another large purchase. It’s almost certain you’ll struggle in securing good interest rates on loans, credit cards, and other investments. Even the smallest of increases in these rates can render a significant difference in the long haul. It’s true. Thousands of dollars get tacked on – all because of poor credit. Bad credit is costing you, but it doesn’t have to anymore.

WJA has designed a 4-round process that runs a maximum of 6 months, but it’s common to begin seeing results before the end of the six months. We’re upfront about our timeline. We’re also honest about this: on average, our clients begin seeing results in 45-60 days. Interested in learning more about how we could help? Simply give us a call. You’ll speak with one of our professional credit analysts about your particular situation, and you’ll receive a no-cost credit review and consultation.


No one should pay a company to do what they might do themselves. But that’s exactly what you’ll be doing with credit repair companies that aren’t aggressive and thorough. Most of these one-size-fits-all plans are sending out automated, generic dispute letters on your behalf. Their timelines are ridiculous because you are seen as just another monthly payment to them. Avoid these schemes. Consider this: the longer you’re using their “services,” the more money they make. They’re certainly not auditing creditors as we do in rounds 3 and 4 of our program.

Credit restoration is complex. To boot, your specific situation is quite unique, and it demands more than fill-in-the-blank documents. Our investigative research team reacts with accuracy and insistence when we receive creditors’ and bureaus’ responses. Other companies don’t have the resources we have. They can’t turn to investigative researchers who fully engage in audits. Be smart with your credit. We have the expertise you need. Learn more about our credit repair mission here.


You may be wondering how it all works. Here’s what we do:

1. You’ll be partnered with a personal credit analyst, and they will guide you throughout the program – start to finish.

2. Our investigative research team works on your behalf, carefully crafting customized responses during all 4 rounds of audits.

3. Finally, our entire process is managed by an attorney.

And with this system in place, you’ll be on the right track, have a solid foundation to build on, and be well-prepared for the journey ahead. We don’t drag our feet either. We work urgently to get you in your new home, new car, or with your new interest rates as soon as possible. Your buying power is essential. We understand that, and it’s our mission to help you get it back.

Once we determine you’re a good fit for the WJA program, we’ll use consumer credit laws to examine and remove negative/inaccurate items from your credit report. Such laws include (but are not limited to): HIPPA laws, the Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA), the Fair Debt Collection Practices Act (FDCPA), and the Fair and Accurate Credit Transactions Act (FACTA).

Further, we take care of those derogatory marks on your report. That’s the initial method employed to raise your credit score. Then we help you add positive tradelines to your profile because that’s necessary to build credit. Through it all, we’ll be there. Your credit analyst will coach you in the process. You’ll learn, you’ll grow, and you’ll move past bad credit into opportunity, financial health, and freedom. We do it the right way. That’s why the credit changes you see are going to last.


On average, credit scores fall between 600 and 750. Anything below 700 can harm your chances of making big purchases, such as home or auto. You’ll find that some lenders and creditors will work with credit scores below 700, 600, and even 500, but you can expect high interest rates. A good credit score means buying power. And that’s what you need.

We can help with all types of items reporting on your credit. We assist with general collections, late payments, charge-offs (delinquent accounts), medical collections, student loan issues, repossessions, bankruptcies, foreclosures, identify theft, etc. We’ve got experience in working with all of these.


If you plan on committing years of your life to this project of improving your own credit, maybe you’ll see some minor changes over time. Be aware of these common misconceptions, though: paying bills in a timely manner doesn’t remove those negative items from your credit report. Paying collections doesn’t remove the collection either. You’re going to need a credit expert on your side. They can lead you through the credit restoration process.

Thinking of turning to Credit Karma for an accurate credit score? We advise against it. This isn’t a trustworthy source. You’ll get what you pay for. All those free resources out there aren’t always reliable. At WJA, we pull a FICO tri-merge report and note exactly which credit items are reporting on all three bureaus: Equifax, TransUnion, and Experian.


That bright future is within reach, Lewisville. From the very beginning, you’ll hear the voice of a WJA professional credit analyst. They’ll be your partner for the duration of the program. You’ll meet with a customized game plan and results. If creditors have stopped listening to you and you feel like giving up, let WJA help. You need much more than those generic “dispute services” can give you. Put your goals and dreams in the hands of credit analysts and an investigative research team. Most credit repair companies are getting it wrong. But White, Jacobs & Associates knows the ins and outs of Lewisville credit repair. With us, you’ll improve your credit, your buying power, and your life.

A better process means better results. Learn more about ours here.

Your buying power is our mission. Read about our mission here.

We’re a word-of-mouth business. See client results & testimonials.

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