Top Rated Credit Repair
Princeton, Texas

Are you planning on leasing a car or looking to become a homeowner? Is your low credit score stopping you from taking out a loan or effectively dealing with bankruptcy? No matter the reason, the answer is clear – you need the best credit repair Princeton has. And at White, Jacobs and Associates, we take active measures to improve your credit score and help you get your life on track.

Our process is unique – we can help improve your credit score and set you up for long-term success by educating you on how to maintain a high score.

WJA Is Not Your Everyday Credit Repair Princeton Agency

At White, Jacobs and Associates, we carry out an aggressive and alternative tactic to credit restoration. We dissect your financial situation in detail and devise a personalized credit repair plan. As we get down to business, we keep you in the loop the whole time.

The same cannot be said for our competitors – these traditional credit repair agencies just don’t cut it anymore. They just send out automated dispute letters and sit around waiting for results. You can do that yourself for free. Such companies can take thousands of dollars out of your pocket. Their approach can lead to a slight improvement of your score, but nothing life-changing.

Meanwhile, we maintain a success rate of 70-90%. Our approach includes a dedicated investigative research team and expert credit analysts, ensuring comprehensive support throughout the process.

How Does a Bad Credit Score Happen Anyway?

A poor credit score can happen to anyone. Financial freedom can be compromised due to a series of unfortunate events, errors by others, or uninformed decisions. Regardless of the cause, no one should be permanently impacted by their credit report.

Just some of the reasons people see their credit score take a plunge are:
● Bankruptcies
● Repossessions
● Debt settlements
● Unpaid student loans
● Other missed payments
● A high credit utilization ratio
● Identity theft

Credit scores are three-digit numbers that we get from calculation models such as FICO and VantageScore. These models use the information found in your credit reports. If your credit score is under 660 (with 300 being the lowest and 850 being the highest possible credit score), then you’re just under the ‘good’ credit score category.

Even a few points can make a ton of difference, not just in regards to the category you’re in. They can also mean a difference in thousands of dollars. In other words, by having a poor score, you’re risking getting an unfavorable interest rate.

What Exactly Is Credit Repair?

Credit repair is the process of adding positive items to your credit reports and removing negative ones. That results in a higher score.

Credit bureaus are institutions that compile these items and list them in your credit reports. The three largest bureaus are TransUnion, Experian, and Equifax. They gather information on you and your payment history. The negative items they list often come from creditors, lenders, and collection agencies.

Your credit reports are vital because they tell others if you’re financially responsible. Buying a house, taking out a loan, getting a job – all of this depends on the score of your credit report.

That is why we offer the best credit repair in Princeton. At White, Jacobs and Associates, we aim to bring up your trustworthiness in the eyes of others – and not just by a few points.

The White, Jacobs and Associates Credit Restoration Method in Princeton, TX

At WJA, we’ve developed a 4-round approach to improve your credit health. We already mentioned our star team of investigative researchers. They continue to step in with the 3rd and 4th rounds with a more aggressive approach.

But first, we create a tailor-made credit restoration plan for your situation. After we pinpoint negative entries in your report that we feel should be disputed, we begin pursuing collection agencies and creditors for answers. We wait for their feedback and, regardless of whether it comes in or not, we move on to more aggressive measures.

The assertive measures begin with personalized audits designed for maximum impact. These audits are crucial for demonstrating to creditors and collection agencies that we mean business. We demand that they provide proof of their right to list those questionable entries on your reports.

If we find out they do not have these rights and refuse to cooperate, our dedicated team steps in to address the situation and take appropriate action.

So, it’s clear why you need professional credit repair in Princeton, TX. Credit bureaus, collection agencies, and creditors are used to dealing with dogs that bark but don’t bite. At WJA, we bite down hard.

WJA Educates You How to Add Positive Credit

Our goal isn’t just to fix your credit score and send you on your way. We aim to equip you for life.

So, after we help remove negative entries from your credit report, we guide you on how to add positive entries. We provide advice and education on managing your credit utilization ratio to present yourself as a more trustworthy and favorable candidate to future lenders. Additionally, we offer guidance on handling credit card debt and managing installment debt.

How Long Until I See the First Results?

Initial results often start appearing within 45-60 days. During this time, you might observe a positive shift in your credit score or experience increased communication from creditors and collection agencies. In some cases, clients begin to see changes sooner than that.

We are transparent and upfront about our process. While the duration of credit restoration can vary depending on your situation, we aim to complete the credit restoration process within a maximum of 6 months.

Nurse Your Credit Score Back to Health Now

Settle in Texas, with the help of White, Jacobs and Associates. Fix your credit score with the best credit repair in Princeton. Start that journey today by signing up for our free consultation with one of our credit analysts. Seize your buying power back in just 6 months.