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With unemployment at a historic low and a growth rate that supersedes the rest of the nation, Oregon sure is an excellent place to live in. But in order to ride the wave, so to speak, you need your credit score to be in top shape. We provide the kind of credit repair Oregon needs to stay ahead of the curve.
The truth of the matter is that millions of Americans need credit repair, and they need it done right. That’s where we come in. We offer the best credit repair service in Oregon, spanning multiple areas:
Here’s what we can do for you.
At White, Jacobs and Associates, we take a no-nonsense approach to credit repair. That’s how we started our business in the first place. We were tired of all the inefficient credit repair companies giving their clients the usual runaround.
They often just charge a monthly fee to send automated dispute letters to your creditors. That’s not nearly enough to get results, but they still collect their fee regardless.
WJA takes problems head-on. We get in, see what can be done, and pull it off in a timely manner. Our approach is transparent and honest — if we think we can help you, that’s what we’ll do.
When done right, credit repair services absolutely do work. But you’ve probably heard that line a million times now.
What’s right and wrong in the credit repair industry?
It’s wrong to just send automated letters to financial institutions hoping you bore them out of their minds while charging a premium price for such a lackluster service.
The right way to do credit repair is to give clients reasonable timeframes when they can expect to see results. The right way is to go after creditors directly, aggressively auditing them, and even hiring a lawyer if necessary. And sometimes that’s exactly what needs to be done.
Such an active approach to credit repair yields real and tangible results. That means fewer negative items on your credit reports, and improved credit score rating, and more money to spend.
At WJA, we audit your creditors, demanding they show us proof they had the right to report some negative item. You wouldn’t believe how often it turns out that, no, they didn’t have the right to do so.
The outcome? Your creditors have to remove the items they had no business reporting. That’s a direct boost to your credit score, and your reports will show it.
White, Jacobs and Associates also employs an in-house law firm to handle the more difficult cases. Our lawyers are professionals who will examine your case from every possible angle to find the best approach. They’ll build the case and take the creditors to court if need be.
Our clients sometimes wonder if it’s a step too far. They’re intimidated at the prospect of a lawsuit.
You shouldn’t be. If your rights as a customer have been breached, you have every reason to fight that. And our lawyers will take care of the entire process and all the communication, so there’s nothing for you to worry about.
Credit repair services are legal in the entire USA, Oregon included. The Fair Credit Reporting Act requires all credit bureaus to provide accurate information on their credit reports. If the information is incorrect, you have the right to dispute the items on the reports.
Yes, you can. The law states that you can try to repair credit on your own.
However, it’s a highly discouraged practice. Your creditors and financial institutions have too much experience and know-how. If you go at them alone, you may be wasting precious time. You need lawyers on your side.
We provide consultations free of charge. Talk to one of our counselors today, and begin the process of restoring your buying power.