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    We can help with...

    • Charge-Offs
    • Collections
    • Bankruptcy
    • Late Payments
    • Repossessions
    • Foreclosures
    • Student Loans
    • Dispute Code Removal
    • Credit Coaching
    • Re-establishing Credit
    • Debt Settlement


    Feel like you’re falling behind? Looking for financial freedom and independence in the place where independence was born? Just about every credit repair company out there is nothing more than a “disputing service.” Why hire a company to do something you could do yourself? Read on to learn more about why the WJA process is unique in the industry. And, take comfort in knowing that the best credit repair Philadelphia can lean on is here for you. White Jacobs and Associates is a diamond in the rough (you’ll understand why in a moment). Your digging has paid off.

    Fixing credit on your own can take years. Staying on top of bills does not remove negative items on your credit report. Paying your collections doesn’t remove them from your report. You probably have misconceptions. Wouldn’t it be great to partner with a credit expert to guide you through the process of improving your credit?

    credit repair philadelphia

    Philadelphia is truly a national treasure. Its wealth, of course, stems from its ranking in the top 10 metropolitan economies in America, as well as its Fortune 500 companies that call the city home. You are surrounded by wealth. A strong credit score is necessary to take full advantage of opportunities around you. Buying a new home, refinancing a home, purchasing a new vehicle, making a large purchase, securing a good interest rate, obtaining a loan… the list goes on.

    Bottom line: You need better credit, and you need something more than traditional disputing services.

    How we compare with other Philadelphia Credit Repair Companies?

    Time-frame is a good place to start. Once we begin working on your credit, the entire process will take a maximum of six (6) months. We have clients that accomplish their goals within 2-3 months, but sometimes it does take the full 6 months. It just depends on your situation. In contrast, working with an “ongoing” credit repair service can take much longer.

    Purchasing a house, car, or securing a loan is a top-priority, so you need real results fast; not in a year or two. We work expediently to delete the negative/inaccurate items from your credit report. We also coach you on building positive credit.

    Equally important is our one-of-a-kind process. We do things differently than 99% of the companies out there. Most of them charge a monthly fee for sending dispute letters to the credit bureaus. PLEASE BEWARE. The credit bureaus will add “in dispute” remarks on your credit report preventing you from making major purchases like buying a home. You won’t have to worry about dispute marks with our company.

    When it comes to credit repair in Philadelphia, you won’t find a more aggressive company. Our mission is as sold as they come. Read about it here. The combination of our personal credit analysts, our investigative research (IR) team, and our in-house attorney arms you with the powerhouse to get your credit situation back on track. Getting your buying power back is our objective, our specialty, and our passion. Call today to schedule your no-cost evaluation and start the path to improved credit.

    Credit repair Game-changer. Disputing vs Auditing

    What makes our strategy so much stronger than other credit repair companies? One of the differences between WJA and amateur companies is that we take the time and effort to actually AUDIT creditors and demand that they show documentation that allows them to report these items on your credit. In other words, we use our attorney-backed audits to go beyond simple the typical dispute routine that other companies take. That is why auditing is often times more impactful than disputing, and you receive that level of diligence by being a WJA client. Audits are performed by a team of investigative researchers that correspond witn creditors through four (4) rounds of a system we’ve engineered from scratch. We don’t know any other company that does credit repair the way we do it.

    What’s showing on your credit report?

    If it’s on your credit report, we’ve probably seen it before. The most common items are collections, charge-offs (delinquent credit card balances), late payments, repossessions, late student loan payments, bankruptcies, foreclosures, inquiries, incorrect profile information (with the credit bureaus), and identify theft. But there are many more.

    Do any of those look familiar? If so, we’d love to take a closer look at a tri-merge credit report to determine what level of success you could obtain by working with us. Even if you aren’t a good candidate for the program, we can point you in the right direction. You have nothing to lose. We’re easy to talk to.

    Schedule your Free Consultation & Analysis

    Start my path to better credit