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Meet the team

We can help with...

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


Philadelphia is the city where freedom was born. Part of freedom is the freedom to be financially secure. A strong credit score will give you the buying power you need. 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? If you have negative items on your credit, you will benefit from speaking with a company that wants to understand your story. We don’t want to waste your money. If you’re not a good fit for our program, we’ll let you know upfront. 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 has to offer 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 is important but it 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 Pa

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 the 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.

Philadelphia Credit Scores

Philadelphia residents have one of the highest average debt in the country and a relatively low credit score. In fact, more than half of them have poor credit scores, which impacts their ability to secure loans of any kind.

Repairing a bad credit score does not happen overnight, and the first step in that direction you can take is reaching out to us, and we will provide you with a free consultation and analysis. Learn what you can do to improve your credit report and start working towards a higher score with our help today.

Why Hire a Credit Repair Company?

Your credit score also influences the interest rates on your mortgage and other types of loans. A positive credit rating will go a long way in helping you qualify for better rates, as lenders rely heavily on the information provided in your credit report when assessing the risk associated with providing you with a loan. A good financial track record will make you a more attractive loan applicant in the eyes of any institution, and allow you to secure good repayment terms, potentially saving you thousands of dollars.

Depending on your situation, credit repair services can help you clear up inaccuracies and also entries caused by identity theft or fraud in your credit report by identifying any omissions and providing correct information, making the credit report reflect the actual state as accurately as possible.

Finally, employers may also take your credit history into consideration as part of the screening process. Don’t let your credit report stand in the way of landing a well-deserved job opportunity.

Apart from these most common reasons for procuring the services of a credit repair company, there are many other benefits of having a healthy credit score. Contact us today, and we will find the best solutions for you, taking into account your unique needs and situation. 

How do 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 solid as they come. Read about it here. The combination of our personal credit analysts, our investigative research (IR) team, and our partnered 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.


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 simply 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 with 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.


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.

How Long Does Credit Repair Take?

This depends on several factors, and it is impossible for us to provide you with a straight answer before we’ve had the chance to get some insight into your situation through an initial consultation and analysis. Still, as mentioned before, the entire process will take no more than six months.

Further, depending on your individual goals and needs, as well as the existing negative items in your credit report and outstanding debts, the process can come to completion within a significantly shorter period.

That being said, you are likely to start seeing some improvements within the first 1 to 2 months of our cooperation.

Can You Guarantee Results?

Credit repair companies are not allowed to guarantee results by law. However, we can provide you with testimonies of numerous satisfied past clients, as well as many positive reviews as an argument in favor of our efficiency and commitment.

We consider our reputation to be one of our most valuable assets and continuously work on maintaining it by providing our clients with credit repair services tailored to their unique needs. Our process is entirely customized to your individual situation and based on our belief that the client should always be in the center of the process.

Your success and positive experience with us is the driving force behind all our efforts, as there is no better proof of great results and the quality of our services than satisfied clients.

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