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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

Macon, GA is slowly becoming an economic powerhouse, attracting people and businesses from all over. Despite facing various challenges (much like any other place in the world right now), Macon’s economic growth does not show any signs of slowing down. To keep up with the booming economy, you’ll need to get those pesky credit reports in order. You may be a good fit for the best credit repair Macon has to offer.

Your credit score is crucial to your personal financial development. If it goes below the average score (600-750), you’ll likely have to pay a much higher interest rate than usual. And that’s definitely not going to help you stay afloat in the current climate.

A lot of credit repair companies out there tend to provide simplistic and ineffective solutions. They often give generalized and incomplete advice on how to improve your credit score. Most of them don’t even know (or care) enough to explain your legal rights.

We are White, Jacobs and Associates, and we do credit repair the right way. With us, you get a team of experts, including experienced credit analysts and an incredible investigative research team. There’s no better way to restore a poor credit score than with our aggressive and thorough methods.

credit repair macon ga

How to Work on Credit Score Smart, Not Hard.

Most companies out there offer only superficial and repetitive strategies that get you nowhere. Disputing correct information on the credit report over and over again will yield no results. What’s worse, you can do that on your own without paying expensive fees to inept companies.

The smart way involves hiring a team of people who know every possible consumer law there is. Without knowing the law is on your side, it’s highly unlikely you’ll succeed. When you have all the relevant information (and a lawyer) at your disposal, only then will you see your credit rating go up.

Why Hire WJA – Expert Credit Repair in Macon, Georgia

Because we take care of your credit score with a smart, no-nonsense approach! We directly address your creditors and collection agencies to fix your credit. If there’s been a violation of federal regulations, we take action against the credit bureaus on your behalf.

But unleashing the full potential of our expertise doesn’t come until later rounds of our easy 4-step process. First, we try to play “nice” with the creditors. If we find their response lacking, we use a much firmer hand.

How Do You Get Results in Just Four Easy Steps?

We get our incredible results by being consistent and aggressive. In the first round of the process, we go full force ahead. Right off the bat, we apply pressure on every party that has something to do with your credit problems. We target all three of your credit reports and leave no negative items unaddressed.

On average, it typically takes 45-60 days for your credit reports to reflect the impact of our approach. Be on the lookout for the mail from Experian, Equifax, and TransUnion. Creditors and collection agencies will try to get you on the phone to validate the debts – ignore them. Leave all communication of this type to us. You will need to send us any physical mail, however. That’s how we determine the best approach in responding.

We will notate all the negative items that we managed to get removed, and then go after more of them! And that’s only the first step. The second one involves even more desperate and highly specific attempts by creditors to stop you from achieving your goals. Again, send any correspondence our way and we’ll do the rest.

If the creditors, collection agencies, and credit bureaus prove persistent enough, we escalate our efforts and push even harder. Our team will ensure compliance with all regulations and take action against any remaining stubborn creditors.

Credit Repair Macon GA

Are These Credit Repair Methods Legal?

Our aggressive and relentless methods might leave you wondering if what we’re doing is legal. To that, we can only respond with a resounding “Yes!”

Credit repair, in general, is completely legal. In fact, it is protected by federal law. Some of the consumer laws regarding credit repair include 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.

Where to Begin With Improving Your Credit Score?

The first step to resolving credit issues is to contact us. There is no point in spending time and money on companies that don’t enforce your rights. Let us know what problems you’re facing and we’ll get them sorted out as fast as possible.

How Fast Can You Improve My Credit Score?

Depending on the circumstances, the duration may vary, but typically, it doesn’t exceed six months. However, it rarely takes that long to get results. As a matter of fact, you should be seeing the first signs of improvement in 2 to 3 months following our involvement.

Sometimes, when updated credit reports arrive, our clients notice improvements in as little as 45-60 days after hiring us. While results can vary, some have seen positive changes within this timeframe. What makes us truly stand out is that we’ll provide you with an estimate of how long the process is going to take. That’s much better than allowing other credit repair companies to drain your funds over an unspecified number of months.

Get Credit Repair in Macon Georgia Now

We stand out from the competition in more than a single way. At WJA, we don’t just blindly send disputes and hope for the best. We are dedicated to being the top credit repair Macon, Georgia deserves. Our four-step process is a commitment to achieving the best possible outcome – for you.

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