Top Rated Credit Repair
Mesa, Arizona

As the most populous suburban city in the U.S., Mesa is an economic powerhouse. However, since the 2008 economic crash, life hasn’t been easy for its residents. In recent years, the economic impact of COVID-19 has added further challenges. It’s crucial to get your credit in order, and quickly. White, Jacobs and Associates offers the credit repair Mesa, AZ needs to navigate these ongoing difficulties.

You no longer have the luxury of waiting for things to improve on their own. It is imperative you take your financial future into your own hands and hiring a traditional credit repair agency just won’t cut it. WJA will fight to get your buying power back and we will do it as quickly as possible.

WJA Is Not a Conventional Credit Repair Agency in Mesa, AZ

We believe, and our track-record proves we are correct, that using only traditional credit repair tactics is no longer effective. Even when you do see some improvement of your score, the whole process can take years. Other credit repair companies in Mesa, AZ charge you monthly fees (we call them the 100-bucks-a-month-guys) and simply send the same dispute letters over and over again.

They don’t care how effective their tactics are as long as they are getting paid. We offer the opposite. WJA uses alternative and aggressive methods to improve your credit score. After we have analyzed why you have a bad score, we will come up with a game plan and provide you with a time frame for how long the restoration process will take. You will have insight into the whole procedure, so with WJA you know what you are paying for.

How Poor Credit Impacts Your Life

There can be a multitude of reasons why you have poor credit – previous debt settlement, bankruptcies, collections, student loans, etc.; all of these things show up as negative items on your credit report. Even incompetent reporting by the creditors and credit agencies themselves can negatively affect your score.

To improve your credit score, we need to understand your credit history. We believe that past mistakes, especially when there were no better options, shouldn’t permanently impact your financial freedom. A poor credit score makes it much harder to secure loans or good interest rates. Even a slight increase in your Vantage or FICO scores can save you tens of thousands of dollars. We aim to raise your score substantially, not just by a few points.

The White, Jacobs and Associates Credit Repair Mesa Process

Once you engage our services, you’ll be paired with a dedicated credit analyst. They will carefully review your credit report to assess suitability. After this assessment, we’ll create a personalized strategy tailored to your needs and begin its execution promptly. During this process, we focus on addressing negative items on your credit report and providing guidance on building positive credit. Our 4-round process is designed to maximize its effectiveness in improving your score over time.

During the initial round, we begin addressing any potentially disputable negative items on your report. This phase serves as an exploration of possibilities. While some negative entries may be successfully removed, resulting in a slight improvement in your Vantage or FICO credit score, it’s important to note that this is not our ultimate objective. We document the items that were removed and carefully assess the responses from creditors. This round typically concludes within 45-60 days.

At this point, other credit restoration companies continue with the same tactics. In the second round, WJA will initiate specific disputes and audits, based on the responses we get. Audits are more effective than disputes because we demand your creditors show us proof that they can report the negative items. When they can’t, they are legally obligated to remove them.

Once again, we wait for their responses, analyze them, and let our investigative research team do their magic. In the third round, we leverage every consumer protection available to resolve any remaining credit issues. By the end of this round, only the most persistent creditors will still have negative items on your report.

The 4th round is the clean-up phase where we target any remaining items. Our team continues with the audits, referencing the software system used by creditors and bureaus. Reporting mistakes in the system are common, but they won’t get fixed until we point them out. If we determine that additional tactics outside of our four-round process will be effective, we will implement them at no additional cost to you.

Is Credit Repair Lawful in Mesa, AZ?

When it is done correctly, yes, and WJA does credit repair the right way. We do our work by the book. You are legally protected from unfair practices by collectors and wrongful entries by a credit bureau by multiple state and federal laws, including 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.

How Quickly Can You Improve My Score?

We aim to enhance your credit score effectively through our credit repair process Mesa. While the duration may vary, our program typically spans up to six months. Improvement in your credit can usually be observed within the initial 45-60 days after engaging our services. Throughout the process, you’ll receive regular updates on your restoration progress. Unlike some services, we have expert credit analysts that provide 1 on 1 support. They will determine if you are a good fit for our program so your time and money are not wasted.

We Will Get Your Buying Power Back

You know what you get with White, Jacobs and Associates. We will tell you how we can fix your credit score, provide you with a time-frame, and keep you in the loop. Don’t settle for anything but the best credit repair Mesa offers. Our mission is to get your buying power back and we plan on doing it now.