Top Rated Credit Repair
Murphy, Texas

If you’re planning to get a mortgage or a loan for a car or any other big purchase, you need a decent credit score. A low credit score will most likely prevent such and many other financial investments you dream about. Even if it doesn’t, the interest rates will be considerably higher, which can translate to thousands of dollars in the long run, and that’s never a good thing. The good news is – you can fix your credit. All you need is a professional credit repair in Murphy, TX.

White, Jacobs and Associates’ team of experts care about your financial health and approaches your credit issues with a sense of urgency. With our investigative research team and an in-house attorney, we take necessary steps to improve your credit for good, and we do so aggressively.

High Credit Score Is Vital for Quality Living

A high credit score is essential for living your life to the fullest. A low credit score can deny you approval for a mortgage, refinance, or any large purchase. Not just that, it can stop you from getting favourable interest rates on various other investments. Don’t let the life of your dreams slip out of your hands because of low credit.

Credit scores range between 600 and 750 on average. Typically, credit scores between 690 and 719 stand as good credit on the generally adopted 300 to 850 score scale. Scores above 720 rate as excellent, and ones between 630 and 689 as fair. Finally, scores below 630 are considered bad credit.

A credit score below 700 can decrease your chances of obtaining the best interest rate on substantial buys like a home or car. Nevertheless, some creditors will accept scores even below 600 and 500, but the rates will be significantly higher.

What’s more, it’s essential to have a credit specialist examine your credit score. A trained eye spots issues that an untrained eye cannot. An experienced analyst can also recommend specific actions for you to take. Our team of credit experts uses the FICO tri-merge to determine accurately which credit items are reporting on each of the credit bureaus.

White, Jacobs and Associates Does Credit Repair in Murphy Differently

Other Murphy credit repair companies occasionally take cases they know they can’t help. That’s not what we do at White, Jacobs and Associates. We will tell you immediately after a free consultation if we can remedy your credit, our expectations, and how long it will take. If you’re not a good fit, we don’t want you to waste your money.

First, we thoroughly examine your credit report. Then, your credit experts will work with you to create a tailor-made credit repair plan, after which we will start with our aggressive 4-round process to achieve your credit score goals. With the help of our investigative researtch team and in-house attorney, we will audit your lenders, creditors, or collection agencies and discover if they have proof that they have the right to report the negative items on your credit report. If it’s inaccurate, it needs to be removed.

Regular credit repair companies typically don’t stretch themselves to this extent. Mostly, all they do is send generic dispute letters. You can do that yourself and get the same poor results if any.

Which Credit Report Errors Can You Handle?

Credit repair in Murphy, TX is diverse, and we’ve dealt with numerous issues so far. Collections, late student loan payments, bankruptcies, foreclosures, identity theft, late payments, charge-offs, repossessions, medical collections, and wrong profile information are among the most common credit problems. Our clients deal with a mixture of all of these derogatory items.

All of these, besides others, can seriously hurt your credit, hence causing you distress you don’t need. Here at White, Jacobs and Associates, we can analyze your credit report and determine how successful credit repair would be when all is said and done.

Why Are Audits so Potent?

Credit repair in Murphy, TX, usually needs to be backed by law. That’s why audits succeed when automated disputes don’t. As we already mentioned, we audit your lenders and legally demand proof that they have the right to report specific items to the bureaus. In many cases, they fail to prove it. So, unfortunately for them, they must remove them from your credit report.

That explains pretty well why auditing is way more potent than disputing. At White, Jacobs and Associates, our IR team creates tailor-made responses to lenders and creditors based on their replies. You won’t find such attentiveness and customization in other credit repair Murphy companies.

The best part is, everything we do is 100 percent legal. That’s because consumer laws are protecting you from unfair reporting. Some of them are Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Credit Billing Act, and HIPPA laws. Our IR team happily leverages these laws to obtain your financial freedom. Also, our success rate is from 70 to 90 percent.

Quality Credit Repair in Murphy at Your Fingertips

Bad credit can happen to anyone. A medical emergency, divorce, unfortunate events, and a myriad of other difficulties might have caused your credit score to drop. Whatever the cause, don’t despair. Credit is fixable. You only need the best credit repair in Murphy you can get. Stop hesitating and contact us.

After a free consultation, we will determine every inch of what needs to be done to repair your credit for good and get you your buying power back. That’s not all. We will also coach you on credit, so you can use it responsibly for years to come and live your life to the fullest.