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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

Los Angeles Credit Repair 

The City of Angels lives up to its name – there is no place like it in the world. However, all the glitz and glamour often hide the dark underbelly of daily living. The cost of living has been skyrocketing for decades and there is no end in sight. You need good credit just to get by, let alone make long-term plans. White, Jacobs and Associates offers the credit repair Los Angeles deserves – we can help you take your financial future back into your own hands.

When you have good credit, life is much simpler. You can easily buy a car, a home, your interest rates are lower, and taking out a loan is often as simple as walking into the bank and asking for one. But life happens – job loss, medical emergencies, divorce, student loans, poor financial decisions – any of these can drop your credit score.

With less-than-great credit, you will find yourself struggling to get approved for a mortgage, refinance, new car, and better interest rates (which can save you tons of money long-term). However, traditional Los Angeles credit repair services are rarely enough to fix your score.

WJA Offers an Alternative to Traditional Los Angeles Credit Repair Services

There is a way to quickly and strategically improve your credit however – with the best credit repair Los Angeles has to offer. You want a company that does more than just send dispute letters to creditors. You need a company that will work, day in and day out, with the assistance of an expert staff, comprised of an investigative research team and experienced credit analysts, to improve your credit score.

Is Credit Repair Right for You?

How do you know if you can benefit from our services? How do you know if your credit can even be improved? You may be asking yourself these questions. If you have ever been denied a loan or a purchase because of a low credit score, now is the time to act, and we are the company to help you. Unlike other companies, we don’t just say: “Yes, we can help you”, without looking at your credit. 

We don’t have the same approach for every client. We take real steps to improve your credit, no matter how bad you think your credit is. Contact us for a free consultation. Once we review your situation, we can tell you what you can get from our services. If you are a good fit, you will be assigned a personal credit analyst who will explain in detail our methods and tactics.

Take a look at what past clients are saying.

What is a bad credit score? 

Though the average credit score is between 600 and 750, anything below a 700 can hurt your chances of being able to make big purchases, like a home or a car. Sure, some lenders and creditors will work with credit scores below 700, 600, and even 500 – but their rates will be much higher than for someone who has a good credit score.

Even though people trust sources like Credit Karma for an accurate credit score, it’s not so simple. Free resources are not always reliable (you get what you pay for). At WJA, we like to pull a FICO tri-merge report to see exactly which credit items are reported to each of the bureaus (Equifax, TransUnion, and Experian).

The reason we do this is because we develop a specific game-plan based on each credit bureau’s report before we begin our 4-round process.

What causes a bad credit score? 

As we mentioned before – life happens. Specifically though, negative items we frequently see on credit reports include general collections, medical collections, late payments, charge-offs, repossessions, late student loan payments, bankruptcy, foreclosures, inquiries, and incorrect profile information.

There are other ways that your score can be damaged, some of which may not even be your fault. Did you know that closing a credit card – even one you do not use and has no balance on it – can hurt your score? This is because that card is removed from your credit history, and shortens it. In addition, having a high debt-to-credit ratio can be damaging.

But the most damaging thing that can happen to your credit score is a negative item showing on your credit report. That’s what we specialize in. We use consumer laws that protect YOU to not only dispute, but aggressively AUDIT each item.

A Different Approach to Credit Repair in Los Angeles that Improves Scores 

Improving credit on your own can take years. Paying your bills on time does not remove negative items on your report. Paying a collection doesn’t remove a collection from your report. There are so many misconceptions. You need a credit expert to guide you in the credit restoration process.

Our aggressive alternative to credit repair is driven by 3 elements: 1) your personal credit analyst, 2) an investigative research team that crafts responses through each of our 4 rounds, 3) and aggressive audits in Round 3 and 4. Customization gets results. We engineered our process for urgency & giving clients their buying power back. That’s our mission.

We don’t just send dispute letters like other Los Angeles credit repair companies that will simply take your money and do nothing proactive to improve your rating, aside from sending out a few dispute letters (which are typically generic and automated).

You already know how difficult it is living with bad credit, whether those things are a result of your own actions or a result of actions or mistakes that others have made. It’s time to take action.

Is Credit Repair Legal in California? 

The answer is a resounding yes. Laws have been in place for more than half a century to protect consumers from unfair collection and reporting practices, including federal and California state laws. You have rights and we mean to leverage them to get results. Any Los Angeles credit repair company that doesn’t accompany their services with an effective won’t get the job done.

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 you from creditors and bureaus. We will use them as part of our service to improve your score.

What Else Makes WJA Different From Any Other Los Angeles Credit Repair Company? 

Let’s start with the time-frame. Our process lasts a maximum of 6 months. Some clients are done in 3 or 4 months, but some situations take the full 6 months. Signing up with a “monthly” credit repair service can take years – with poor to mediocre results. We improve credit scores with permanent deletions of derogatory accounts. 

If you want to buy a house or car in California, you need real results fast; not in a year or two. Imagine having a company that works quickly to delete the negative/inaccurate items from your credit report AND coaches you to build positive credit for the future. Those are the services we offer.

Our process isn’t generic like 98% of the companies out there that claim to fix credit. This worn-out process of sending dispute letters to the credit bureaus is ineffective. In fact, the credit bureaus will add “in dispute” remarks on your credit report preventing you from making major purchases like buying a home.

Audits Over Disputes 

Our services don’t just include initiating disputes, but auditing your creditors. When you dispute something, the burden of proof is on you to prove that the information is inaccurate. When we audit, they have to prove that the items can be reported. If they can’t show us the proof, they are obligated to remove the items. 

We will review and audit each negative item, if needed. Disputes have their place, but if the service you are receiving is only based on them, you might as well give it a shot yourself and save some money. True credit repair California services must include disputes and audits.

Let’s Get Your Future Back on Track 

Where credit repair Los Angeles is concerned, there is no company better than ours. If you are struggling with a poor credit score, let us help you improve it. Call today to schedule your evaluation and to get started on the path to an excellent credit score.

Local Resources : Consumer Laws 

FCRA (Fair Credit Reporting Act)

FDCPA (Fair Debt Collection Practices Act)

FACTA (Fair and Accurate Credit Transaction Act)

HIPAA (Health Information Portability and Accountability Act)

E OSCAR (Online Solution for Complete and Accurate Reporting)

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