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Meet the team


Having a good credit score can make your life in Missouri a lot easier: whether you are looking to get approved for a mortgage, secure a favorable interest rate on a loan, or even apply for a job. On the other hand, poor credit closes many doors for you. White Jacobs & Associates offer the credit repair Missouri and its citizens deserve. Take the first step towards financial freedom today.


If you are looking for credit repair services in the Show Me State, you’re in the right place – at White Jacobs & Associates we show you results.

Most credit repair companies do little besides sending out dispute letters to your creditors. This can last for months or even years without getting any results. Not to mention it is something you could be doing yourself. When it comes to credit repair in Missouri, each situation is unique and requires a personalized approach to achieve lasting results.

We have an in-house investigative research team who will leverage their expertise and experience to determine the best way to go about improving your credit score. However, what makes us truly unique are our attorneys who will audit your creditors aggressively and force them to remove any inaccuracies from your credit report.


Simply put, auditing your creditors means demanding they show proof that they have the right to report negative items to the credit bureaus. If they are unable to provide proof (which is often the case) they are required by law to stop reporting the negative items on your report. And once an inaccurate item is gone from your credit report, it stays gone.

On the other hand, dispute letters are far less urgent and don’t have any real weight to them. As a result, you could end up sending one dispute letter after another with no improvement in sight. Or even worse, continue paying a monthly fee for someone else to do it for you. This is how traditional credit repair companies function – the longer you stay in the process, the more money they make. Learn more about the advantages of attorney-backed audits over disputes.


We understand that each situation is different and know that customization is key to getting lasting credit repair results. That’s why we tailor our 4-round process to fit each client’s needs and it all starts with a free consultation – no strings attached.

The first step is assigning you a personal credit analyst that will stay with you throughout the entire process. Apart from answering all your questions and giving you regular updates, they will coach you on adding positive credit and advise you on future financial decisions.

Next, our investigative research team analyzes the responses of your creditors and the credit bureaus. We don’t send generic letters – instead, they will demand validation of negative items, pursuant to Missouri credit repair laws. In the 3rd and 4th rounds of our process, our in-house attorney will go after any unvalidated negative items and ensure they are removed for good. 

Attorney-backed audits carry far more weight for your creditors and are the key to getting results and protecting your consumer rights.


Many different life events can have a negative impact on our credit rating, and not all of them are in our control. Losing a job, medical emergencies, student loan debt, identity theft, bad financial decisions, etc. can all put you in an uncomfortable situation when it comes to your credit score.

At the very least, poor credit will cause you to pay higher interest rates, or even prevent you from getting approved for a loan. When considering the cumulative amount you end up paying due to a high-interest rate, having bad credit can cost you more than you may think.


When it comes to credit repair in Missouri, we’ve seen it all. At White Jacobs & Associates, we help our clients improve their credit score and handle collections, charge-offs, late payments, repossessions, late student loan payments, bankruptcies, foreclosures, inquiries, incorrect profile information with the credit bureaus, identify theft, etc.

The best way to find out what we can do for you is to contact us. During the initial consultation, we’ll take a closer look at your credit report and advise you on your best course of action. If our Missouri credit repair program can help you, we will give you all the information right away. If not, we won’t waste your time or money.


The consumer laws we mentioned exist to protect you from unfair credit reporting. Our 4-round credit repair process, although aggressive, is based on these laws and completely legal.

Based on your unique situation, our investigative research team comes up with the best plan for your particular case and leverages the law to get lasting results. The laws we rely on to protect your consumer rights are: Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transactions Act (FACTA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Billing Act (FCBA), and HIPPA laws


Our Missouri credit repair program lasts a maximum of 6 months. That being said, it’s quite common to see first results within as little as 30-45 days. Schedule a free consultation to learn more about what you can expect. One thing is certain – if we don’t think we can help you, we won’t lead you on. However, if we can repair your credit, we will do it in six months or less.

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