Improving damaged credit by yourself can take a long time. It can take years. Even if you are currently financially stable, the act of paying your bills on time will not remove negative items from the past. The same goes with paying a collection. Paying off a collection doesn’t remove a collection from your report. You may have several misconceptions about how to clean up your credit report. Disputing an item on your credit report doesn’t work really well (that’s why most credit repair companies don’t get great results). You need a credit expert to guide you in proper credit repair in Miami.
Miami is known as a “diver’s paradise.” But if your credit score has taken a dive in recent years – you are not living in paradise. It’s time to come up for air. The solution? Our aggressive alternative to traditional credit repair is driven by 3 elements: 1) A credit expert assigned to you for the entire program, 2) an IR (Investigative Research) team that takes a refined approach to addressing each item on all three reports (Equifax, Experian, TransUnion) 3) an in-house law firm that engages with the auditing of creditors. When we designed our credit repair process, our goal was to help mortgage brokers with clients who wanted to get a home but could not because of their credit.
White Jacobs & Associates is considered an “elite” Miami credit repair company because we don’t just do the sending and re-sending dispute letters that a vast majority of traditional credit repair companies engage in. Many of these companies simply take your money and do nothing creative to remove negative/inaccurate items that are keeping you from accomplishing your goals.
We don’t need to remind you how inconvenient it is to get denied for a home or large purchase – or not being to qualify for a good interest rate. It feels like you’re drowning. But it may not have to be that way.
A bad credit score can stop you from getting approval for a home or mortgage, a refinance, or a large purchase. In the long run – a low credit rating will decrease your ability to get a good interest rate on loans, credit cards, and other financial investments. A small increase in interest rates can mean thousands of dollars in the long run. Do you realize how much money bad credit is costing you?
Life isn’t always pleasant. We all face difficulties and sometimes those can affect our financial situation. The most common items we find 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.
One huge benefit of working with WJA compared to other credit repair companies is that we take the time and make the effort to audit creditors and DEMAND that they give us proof (validate) that they have permission to report these items on your report. If they can’t, then that item has to be deleted. In other words, failure to provide us with validation means that they cannot report that item.
Additionally, our communication to creditors must be answered within the time limit set by law (usually around 45 days). If they fail to meet this deadline, the item must be removed. The bad news (well…good news for us) is that dispute letters are routinely disregarded, especially if sent by consumers. Our attorney-backed letters, customized to your situation with years of experience, demand a response. Items that are successfully deleted from your credit history are reflected on your updated credit reports. The bottom line is this: Credit repair is tedious, time-consuming, and requires a step-by-step and item-by-item process which requires patience, persistence and determination. That’s why we have an entire investigative research team that supports you.
We’re easy to talk to. Once you connect with us, you’ll speak with one of our professional analysts and they’ll be your guide throughout your short journey. If you’ve read this far, you’re probably intrigued with what we do. Why not give us a call? You may not realize this, but you really do need a knowledgeable company with an in-house law firm to help you deal with creditors that will not listen to consumers. You need more than repeated dispute letters to the bureaus, which you can do yourself. The WJA team knows the ins and outs of Miami credit repair and we have the right team to give you the best chance of success.
You need your buying power back. We want to help you. Let’s get the conversation started.