Top Rated Credit Repair
Portland, Oregon

Credit Repair Portland Oregon

There’s no use beating around the bush — economically, Portland is going down a bad route. The industry of Rip City is still going strong, but you’re not getting your fair share of the wealth — the housing market is shrinking and the cost of daily living is rapidly increasing. You need to deal with it before the situation gets worse and that is why White, Jacobs and Associates offers the credit repair Portland deserves.

You need every advantage you can get to stay afloat. Your credit score could be the make-it-or-break-factor for your continued financial stability. 

Your score impacts every facet of your financial life in the city. First and foremost, it determines whether you will get the loan you need or not. Not only that, it determines the interest rates you get, and can even impact your ability to lease an apartment and your employment situation. We are here to offer assistance.

What WJA Can Do For You

We improve your credit score with our unique 4-round process. Unlike outdated methods that have been ineffective for the past two decades, our approach is tailored to meet the demands of modern times with innovative solutions.

White, Jacobs and Associates audits your creditors with the expertise of our investigative research team and applies consistent pressure from day one. That is why our Portland credit repair services are the best.

How We Do Credit Repair in Portland, Oregon

We improve your credit through a two-step approach. First, you’ll be assigned a personal credit analyst who will thoroughly review your credit reports and identify actionable steps for improvement.

They will be your primary contact and will keep you informed throughout the entire process. Our services are customized to your specific situation and will adapt based on how things progress.

The first step is to add positive credit to your reports. While you’ll mainly handle this, we’ll guide you through. This means showing potential creditors that you repay borrowed money reliably, which involves taking out and repaying loans on time. A WJA credit expert will offer ongoing instructions and expertise.

Second step is our responsibility – removing all possible negative items from your reports. This is where our unique 4-round process comes into play. Each round involves increasingly detailed and intense disputes and audits aimed at deleting negative entries that can be removed. We don’t let up the pressure until we are satisfied with the results.

After each round, creditors will contact you within a few days. Some items may be removed, but not all. Forward all communications to us so we can track removals and adjust our approach.

The first two rounds might resolve the issue, but if not, the last two are designed for the most persistent creditors. Starting with the third round, our team handles communication and ensures creditors meet their obligations, preparing for further action if needed.

The final round focuses on cleanup and checking the E-Oscar system for any glitches. No other Portland credit repair company is as thorough as us.

We get results by being strategic and showing we mean business. Creditors often ignore individuals because they lack the resources to challenge every issue and take further action. That’s why our approach delivers the credit repair Portland deserves.

How Long Does Credit Repair Portland Take?

If you hire credit repair companies in Oregon that just care about getting your money, credit repair can take a long time. They will charge you for sending generic dispute letters for as long as you are willing to pay. 

With us, you will get a time-frame for when things should happen. No matter what, the entire process won’t last longer than 6 months. Usually, you can expect results within 45-60 days.

Why We Audit

You may have often heard of dispute letters, but notice that we mention audits. That is because most other Portland credit repair services don’t do them. This is one of many things that set WJA apart. Inaccurate and out-dated information has no place in your reports. When you dispute a negative entry, you claim it is one of the two.

If you are correct, the items should be removed. However, the creditors are the ones interpreting the accuracy, so it rests on them being fair and capable enough to do it correctly. Guess who often that’s the case? When you hire another company that continually sends dispute letters, they are essentially asking your creditors to play fair.

Those are not the services WJA provides. When we audit, we demand they send us all relevant information that shows that they can report the items. This is information you have a right to. Then the ball is in our court and we are the ones with the initiative. If we determine that a negative entry is unfairly reported, they are obligated to remove it or face legal repercussions.

How Is Your Credit Score Calculated? 

In essence, your credit score represents your financial history. The creditors report your interactions to the credit bureaus who compile them into a credit report. Your credit score is the numerical value you are assigned based on the reports, which is supposed to show how responsible you are with your finances.

It is the balance between the positive and negative credit you have accumulated. You get positive credit by borrowing money, handling it responsibly, and returning it on time. Two things can increase your score – installment credit and revolving credit.

Installment credit is the loan you pay back in fixed installments. Mortgages and student loans are common examples. Revolving credit is your credit cards and credit lines. You have a maximum amount you can borrow – within that range you make some charges and pay them off when you can, and you can take the money out again; thus, it revolves. Responsibly handling these types of credit can increase your score.

Negative items that lower your score can be almost anything: medical collections, foreclosures, student debts, unpaid bills, bankruptcies, etc. Any loan that you have taken out but have not repaid in time. Even applying for too many loans too quickly will lower your score.

Let’s Discuss How We Can Help You

We’re not miracle workers and don’t pretend to be such. There are certain things that can be fixed and some that can’t. Contact us and arrange a free consultation. Once we know what you’re dealing with, we will tell you what to expect from our services and when to expect it. 

At WJA, we don’t talk tall and make you waste money. We back up our words with results. That is the only kind of credit repair Portland Oregon deserves.