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Meet the team

Louisiana is known for Mardi Gras, jazz music, gumbo and much more. But who can enjoy any of that without good credit? Despite it’s unique culture, Louisiana is not immune to the financial pressure that residents of every other state contend with. Having good credit gives you the buying power to change your life. If you are wanting to make major financial moves (like buying a home) you need to hire the best credit repair Louisiana has to offer.

Unexpected life events damage your credit. Unforeseen situations like job loss, divorce, or medical emergencies often result in negative items on your credit report. You end up with a not-so-great credit score. The most common items we see on a credit report are late payments, general collections, charged-off accounts, lack of positive credit, fraud, inaccurate profile, and medical collections.

credit repair Louisiana

WJA — Legal and Trusted Credit Repair in Louisiana

We are White, Jacobs and Associates, and we want to hear your story. By understanding your personal struggle, we better approach your journey to healthier credit. Make no mistake though. Even though we’re compassionate with our clients, our process is aggressive because we’re serious about results. That’s why we’re one of the best Louisiana credit repair companies out there.

Our business was born out of necessity. We were fed up with all the incompetent “credit repair experts” preying on people in debt. Most of these companies just send out a few dispute letters every month and charge their fee as long as possible. They tell you that you just need to be patient while they send the same re-used dispute letters that they use with everyone else. It’s easy to see that they do NOT want you to get fast results because the longer it takes, the more money they make. Plus, they are charging you for something you could do yourself!

That’s not how we do things at WJA. We go after your creditors in full force, aggressively auditing them to see if they had the right to report a negative item. We get our investigative research team looped in right away. They know how to handle the “stall tactics” that most creditors use. This expertise is highly effective in our 2nd, 3rd, and 4th rounds. The rounds are designed to respond to creditors with increased pressure during each response. We counter each response according to the type of letter received. In fact, we are adamant about having our clients send in all the related postal mail they receive. That way, we can see the responses first-hand.

Everything we do is within the confines of the law, yet still highly efficient and result-oriented.

How Long Is the Credit Score Repair Program?

At WJA, repairing credit takes about six months at most. That’s because we don’t fool around with sending a few disputes a month like most traditional companies. Instead, we pursue after all of your derogatory accounts up front and give you a realistic time frame which depends on the case. On average, our clients start to see results in 45-60 days.

On occasion, we do have some clients that need a little more work after the 6 month program. This is rare, but it does happen. In those situations, we do NOT charge you any additional monies. You’ll find that we will go the extra mile do to right by you. All we ask is that you follow our easy-to-follow instructions and stay in communication with us during all four rounds of the process.

How Does Our Process Compare with Other Companies

We don’t just engage in endless month-to-month generic disputes. In addition to disputing the credit bureaus (Experian, Equifax, and TransUnion) we also DIRECTLY audit the creditors themselves. We do this strategically (custom letters) with our investigative research team that demands proof that they are legally allowed to report these items on your credit reports. The law allows you to take a practical approach and that is what we do. We believe that the best credit repair Louisiana provides must be hands-on.

Is Credit Repair Legal in Louisiana?

Credit repair is 100% legal. In fact, the law states that you can try and repair the credit yourself. However, we’d highly discourage you from doing that. Creditors and financial institutions have entire legal teams dedicated to dismantling your disputes. It’s best you leave it to professionals.

Our aggressive approach may be intimidating, but we do things according to laws designed to protect you, the consumer. These 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. And there are others.

Get the Information You Need

Our lawyers are experts in consumer protection laws and have immense experience in building cases against creditors. We won’t let them take you for a ride. And that’s the secret of our success. That’s the kind of credit repair in Louisiana you deserve.

Get counseling with WJA for free. We’ll give you our honest opinion about what your chances are and what to expect. Talk to us today, get the information you need, and start your journey to a strong financial future.

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