Bad credit should never be a permanent stuggle to deal with. Unfortunate situations happen to the best of us. It could have been a loss of employment, medical circumstance, divorce, or simply a string of poor financial decisions. A drop in credit score can happen so quick, but the lasting effects of bad credit can last for years. Luckily, if you live in New Orleans, there’s good news. White Jacobs and Associates has an aggressive process for credit restoration that goes way beyond the typical “dispute letter” routine practiced by most credit repair companies. You’ve seen them online. The 100-bucks-a-month companies that do the same old thing with poor results.
Take a moment to read what past clients have to say, and you’ll realize why you shouldn’t hire anyone else. Better yet, perform an online search and check out our reviews on Google, Facebook, Yelp, TrustPilot, and more. You can’t argue with real testimonials.
New Orleans has made a big comeback since Hurricane Katrina and the time has never been better for credit repair in New Orleans with a company that takes an aggressive approach. This approach is our bread and butter. Our secret weapon. Our secret sauce.
Like any good sauce, we start with a good foundation. People ask us – “Is credit repair legal?” The answer is absolutely yes. We use a variety of consumer laws that were put in place by the government to protect you, the consumer, from unfair credit reporting. These include 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.
Your credit report may have general collections, late payments, unpaid credit card charge-offs, medical collections, repossessions, bankruptcies, foreclosures, inquiries, and even incorrect profile information. We work with all of these items. The way we tackle negative items involves crafting customized dispute letters with the credit bureaus (Experian, TransUnion, Equifax), but that’s just the first step. In subsequent rounds – WJA takes it to the next level with customized audits to creditors backed by our in-house law firm.
Thousands of credit repair companies send out recycled dispute letters on a monthly basis and charge an ongoing fee (this can go on for years). You can send out this type of dispute letters yourself! These companies DO NOT have any urgency to get things done quickly. Think about that for a moment. The longer you pay their monthly fee, the more money they make! They DO NOT make the effort to actually audit creditors. Repairing credit the RIGHT way is complicated. Using our investigative research team – we quickly assess the best way to respond to get results. Other companies DO NOT have an in-house lawyer to directly engage with audits. And lastly (and maybe most importantly), they DO NOT assign a personal credit expert for the length of the program – someone you can call or email anytime for updates or questions.
We designed our system around the mortgage industry because we wanted to help people get approved for a home quickly. So our program lasts a maximum of 6 months, although clients typically start to see results in the first 30-45 days. From day one, we work on all the relevant items on each of your credit reports. Once the bureaus and the creditors start responding – we then customize our responses for the next round, and we engage our in-house attorney. Our goal is to get your score up as fast as possible so you can have your buying power back. That’s actually our mission. If you want to read more details about how we operate you can read more about our process right here.
Trying to raise credit scores on your own is doable, but it can take years. Keeping up with your bills does not remove negative items on your report. Paying off a collection does not remove that collection from your report either (it just shows up as a PAID collection). Misconceptions like these are common. You need a credit expert to take the reins and coach you for long term credit success. And you also need a strong team that can do the heavy lifting required to delete items on your report.
The aggressive alternative that WJA offers is made up of 3 elements: 1) An expert credit analyst assigned to you, 2) an investigative team that does all the behind-the-scenes research and diligence, 3) an in-house attorney to legally back our audits in the latter parts of the process. Customization and legal representation gets results. We engineered this program to give our clients their buying power back quickly. Read more about our mission here.
We go far beyond just sending dispute letters like other New Orleans credit repair companies that will take your money and put you through the same generic process as everyone else. The truth is that customization and attorney-involvement take a lot more work – and few credit repair companies will engage in that level of effort. We do though.
You already know the hassle of living without good credit, so whether the items on your credit report are a result of your own actions or inaccuracies – the time is right to take action now.
You won’t find a credit repair company with a stronger reputation. By now, you understand that we don’t use traditional methods (repeated dispute letters). Instead, we use an investigative research team and an in-house attorney to get results where other companies fall short. You understand that our process is customized to YOU. You understand we have urgency to change your financial life for the better.
We’re easy to talk to. Reach out to us today.