Top Rated Credit Repair
Milwaukee, Wisconsin

Top Credit Repair Milwaukee

The City of Festivals can certainly do a whole lot better than it is doing right now. The unemployment rate is higher than in the rest of the US, and the job market increase is too slow to compensate for the lack of jobs. The average yearly income in Milwaukee is lagging behind the nationwide average. But the citizens can help change that. All you need is more buying power, and to get it, you’ll need the best credit repair Milwaukee has to offer.

A credit repair company can help you maintain a healthy and varied credit history. With it come better credit scores, and as you know, a good credit score means much better interest rates on all your loans. That’s how you get more buying power and more money left over from each purchase you make. That’s how you push the economy in the right direction. We can help you get there.

Get the Best Credit Repair Services in Milwaukee

We are White, Jacobs and Associates, and we offer the highest-quality Milwaukee credit repair. 

Other companies offer run-of-the-mill credit repair services that yield no results. Their methods revolve around sending automated dispute letters and acting like it’s a big deal. In reality, it’s something you could have done yourself, without paying their exorbitant fees. 

Unfortunately, they’re all over the place. Most of the credit repair companies in Milwaukee are inefficient, subpar businesses that couldn’t fix your credit even if they wanted to. And trust us, they don’t. It’s not in their best interest to fix their clients’ credit scores fast, because that means they stop getting paid.

At WJA, we do things differently. Our approach is aggressive, focused, and professional. We don’t just send dispute letters and then sit on our hands, hoping we see some results. No, we go after your creditors in full force, auditing them, disputing their reports, and letting our in-house law firm do what they do best.

That’s right, we have a team of lawyers at our disposal who build cases against uncooperative creditors and collection agencies. The law is on your side.

Credit Repair Milwaukee — Is It Legal?

Clients tend to get worried at the mention of lawyer teams and court cases. They begin to wonder if what we do is legal or if they will just get into more trouble than credit score improvement is worth.

Let us put your mind at ease: credit repair is legal in the entire US. It’s your right to dispute inaccurate credit report information. No one can take that away from you.

The US legal system defines what it is that a credit repair company can and can’t do. The Credit Repair Organizations Act (CROA) is concerned with informing people about everything they need to know in regards to credit repair services.

As for the rights that protect you, the customer, from unfair reporting, there are the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), Fair and Accurate Credit Transactions Act (FACTA), and HIPPA laws.

Our lawyers know these laws inside out and use them to your advantage. With such an expert team at your side, not even the credit bureaus will be able to deny you your rights.

Can I Dispute the Credit Bureaus Directly?

Legally, yes. It’s up to you to decide if you’re going to take the fight to the creditors and bureaus on your own. Nowhere does it say you have to hire a credit repair company. But going alone at it is definitely not advisable.

For individuals, credit repair can be a daunting and frustrating process. It’s incredibly time-consuming, and time is a resource that most of us can’t afford to waste. It’s also highly unlikely you’ll get anywhere by going at it alone.

The reason for that is the credit bureaus and other financial institutions have robust systems that allow them to easily shoot down individual disputes. And the experience is on their side. Don’t waste what precious time you have fighting uphill battles. Get help from a professional organization with experience dealing with creditors and collection agencies.

Our Unique Approach to Credit Repair Milwaukee Deserves

White, Jacobs and Associates consists of expert credit analysts, an outstanding investigative research team, and an in-house law firm. 

They’re all professionals who know what needs to be done and how the credit repair industry works. Our expert teams are one of the biggest reasons for our success.

The other part of our success comes from a very elaborate 4-round process that gets actual results. It’s also customizable — we can tailor our process to each of our clients’ needs.

The 4-round process consists of dispute letters, audits, and even cases against your creditors and collection agencies. The first two rounds consist of numerous dispute letters and direct audits. We go after everything relevant on all three of your credit reports from the major credit bureaus — Equifax, Experian, and Trans Union. We’ll check your entire credit history and go after all the inaccurate negative items.

We also handle all communication with the creditors in your stead. As soon as we set our plans and our process in motion, they’ll try to get you to validate the debts. Just ignore them — they’re already grasping at straws.

In the later rounds of our process, our lawyers build the case against your creditors. That’s where we escalate the process to show we mean business. We also target the software that the creditors and financial institutions use to communicate with the bureaus.

What Do Other Credit Repair Companies in Milwaukee Do?

Other credit repair places in Milwaukee do only a fraction of what we do.

They just send automated dispute letters a couple of times a month and that’s it. They won’t go overboard for you, because it’s not in their best interest to do so. Their goal is to keep you in their programs for as long as you’re willing to pay their monthly fees. 

These scammy Milwaukee credit repair services don’t do audits, they don’t hire lawyers to help you as we do, and they don’t really care that this is urgent to you.

They’ll keep sending their little dispute letters and wait for your next monthly fee. They don’t want to work fast.

The Power of Audits

We keep mentioning that we do audits and that it gives us a competitive edge over other credit repair Milwaukee companies.

What that means is we don’t just send dispute letters and call it a day. Dispute letters are only a part of the bigger picture. When we audit your creditors, it means we’re demanding proof they had the right to report some negative item.

And guess what? It often turns out they can’t provide the proof we ask for and are legally obligated to remove the item from the credit reports.

Do I Really Need Credit Repair?

It’s fair to ask this question. People are often content with having average credit scores and don’t really see the need in going through all the hoops just to get a bump in the score.

Whether you have average or bad credit depends on the entity collecting the information. Some use FICO scoring, while other use VantageScore. Both scoring systems range from 300 to 850, and in both cases, anything below 700 is a bad credit score. Technically, 620 is where the credit scores get really bad, but if you’re below 700, you should already be choosing a Milwaukee credit repair company.

So even if your score feels like it’s okay, it’s actually either fully preventing you from making purchases or at least causing very high interest rates on your loans. Whatever the case may be, you can do much better with a higher score.

Late payments, credit card debt, and not enough different types of credit all affect your score, weakening your buying power. Get them out of the way today.

How Long Will It Take to See Results?

At WJA, we fix credit fast and don’t try to overextend the process like other companies do.

Our clients can expect to see results within 30-45 days of initiating the process. It’s not uncommon to see the first results in as early as two weeks.

Finally, our process never takes longer than six months to complete.

White, Jacobs and Associates Does Raise Credit Scores

At White, Jacobs and Associates, we actually get results. We’ll show the credit reporting agencies that you’re a trustworthy and reliable borrower.

Get the best credit counseling Milwaukee has to offer right here — contact us today for a free consultation. We have what it takes to get you your buying power back.