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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

Having good credit is essential in cities like Medford. We know how easy it is for bad credit to happen. You lost your job or had a medical emergency. The divorce ruined your financial stability, or maybe you were just temporarily irresponsible with your finances. Whatever the cause, you need to fix it, and fast. That’s impossible with average companies that do no more than send generic dispute letters over and over again. You can do that yourself. You need a professional attorney-backed credit repair in Medford, OR that uses aggressive methods to achieve desired results quickly.

You want to get approved for a new home, a refinance, a new car, or simply better interest rates. We understand these goals have urgency, and we’re delighted to help you realize them. Our mission is to help you get your buying power back.

credit repair Medford OR

The Importance of High Credit Score

The quality of your life depends on your credit score. Having a low credit score can negatively affect it by preventing you from getting lower interest rates on various financial goals such as a mortgage loan, refinance, or new car. Even slightly higher interest rates can result in thousands of dollars in the long run. Don’t let life cost you more than it should.

On average, credit scores vary between 600 and 750. Credit scores below 650 can significantly reduce your chances of qualifying for large purchases such as a car or a house. Some creditors and lenders will accept scores below that range but the interest rates will be considerably higher than if you had a better credit score. And when we’re talking about a mortgage, that’s a difference in TENS of thousands of dollars.

Moreover, it’s crucial to have an expert analyze your credit score. Free sources are far from your best bet as they aren’t reliable. White, Jacobs and Associates uses FICO tri-merge report to know precisely which credit items are reporting on Equifax, TransUnion, and Experian. Only then can we be sure we’re addressing every single reported item related to your credit.

What Kind of Credit Report Errors Can You Deal With?

Here at White, Jacobs and Associates, we’ve seen it all, and we can help you with a myriad of issues. These include collections, late payments, late student loan payments, charge-offs, repossessions, bankruptcies, inquiries, foreclosures, wrong profile information, and identity theft, to name a few.

These can negatively affect your credit, thus affecting the quality of your life. Don’t let that happen. Allow us to examine your credit report to see what level of success you could achieve if you do credit repair in Medford, OR with us.

A Different Approach to Credit Repair in Medford, OR

Most of the credit repair companies just send out several generic dispute letters to bureaus each month. Perhaps these disputes worked their magic in the past, but that’s no longer the case. The funny thing is you can do this yourself if you have time. But even if you went that route, you’d be losing out on the benefits of using an experienced caredit analyst, an Investigative Research team, and partnered attorneys that truly know the consumer credit space.

Credit repair in Medford, OR with us is different. We have urgency to get you results. Our clients start to notice results around 45 to 60 days into the process, and our program lasts a maximum of 6 months, but usually, it ends much sooner.

Other companies have no urgency to get results quickly. You could spend years with them without any significant improvement. And that’s precisely their goal – to keep you as long as possible in their continuous monthly program. Why? Because the longer you stay, the more money they get.

Unlike other companies, we respond quickly and get the best results with our investigative research team. Also, instead of disputes, we send audits backed by our in-house attorney. Thanks to our 4-round process, we help you achieve your financial goals efficiently.

credit repair Medford OR

The Power of Audits

Perhaps the biggest advantage of working with White, Jacobs and Associates for your credit repair in Medford, OR is that we audit your creditors and demand them to prove they have the right to report those particular items to credit bureaus. Frequently, they can’t manage to do that, so they must legally delete those items from your credit report.

You can understand now why auditing is much more successful than disputing. Our IR team creates responses to creditors based on their first reply. You will hardly find such personalization in other credit repair companies.

Best of all, it’s legal. Consumer laws such as Fair Credit Reporting Act, Fair Credit Billing Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, and HIPPA exist to protect you from unfair reporting. Our IR team leverages and drives them to obtain your financial goals.

How to Increase Your Credit Score

The first way is to remove all negative or inaccurate items from your credit report, depending on what legally is possible. If we conclude you’re a good candidate for credit repair in Medford, OR, you’ll get the green light to start our program. Soon after, the WJA team will pursue everything on your credit report that we find appropriate.

The second method is to grow your credit score by adding positive credit by leveraging credit resources to add positive trade-lines to your report. It’s all about a healthy credit score equation. Your credit analyst will guide you on how best to handle this process.

You have to build good credit properly, and we’re here to show you how. WJA will not only help repair your credit score but also provide you with coaching on credit, so you learn how to make sound financial decisions for years to come.

Let’s Repair Your Credit for Good

Whatever the reason your credit score isn’t the way it should be, you need to fix it and fast. You deserve more than automated dispute letters. Why not call the credit specialists and get your buying power back for good?

White, Jacobs and Associates’ team is eager to help you. With our skilled IR team, an in-house attorney, and credit coaching you can achieve your financial goals and level up the quality of your life. That’s our mission. Contact us.

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