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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


Talking about Raleigh, the first thing that comes to mind is a bustling city with excellent working conditions and an even better economic climate.

The City of Oaks never ceases to amaze, and the people there know it.

However, it’s not been immune to the ongoing pandemic and its influence on the economic well-being of its citizens.

You probably felt in on your skin as well. Don’t worry — economic downturns happen, and there’s nothing you could have done about it.

But you can now. You’re in the right place — we offer the premium credit repair Raleigh North Carolina needs. Talk to us.

credit repair Raleigh, NC


At White Jacobs & Associates, we pull no punches when it comes to credit repair. We take care of the problem head-on and go after your creditors in full force.

You probably have your doubts about credit repair, especially if you’ve already hired the services of some traditional credit repair companies in Raleigh, NC with outdated methods.

We hear it all the time. Our clients tell us all about these “instant credit fix” schemes that never got any results.

And we know why. Because we know how these 100-bucks-a-month credit repair companies operate. All they do is send automated dispute letters and hope your creditors miss them. This is no way to go about raising your Raleigh credit score.

We apply an aggressive approach to credit repair in Raleigh that yields real results. We tailor our 4-round credit repair process to each of our clients and their unique situation. And we’re honest with our clients. If something’s out of our hands, we’ll let you know instead of wasting your time and money.


As the name suggests, credit repair is the process of improving your credit score. You raise your credit score by removing inaccurate negative items from your credit report.

By disputing negative items on your reports, you challenge their validity. Mistakes often happen as it’s a complicated process. If there’s some inaccurate information on your report, it’s your right to challenge it. Consumer laws exist to protect your rights in this sense.

In fact, the law states you have all the right to do credit repair yourself. There’s no obligation for any third party to get involved in the process.

A word of caution, however. Creditors, collection agencies, and other financial institutions are experts at shooting down disputes. It’s highly unlikely you’ll be able to get far unless you know all your rights as a consumer. Even then, they still have the advantage of experience.

No one can stop you from trying. But it might be a better idea to get the help of an expert credit repair company with significant experience in the field.

credit repair Raleigh, NC


Other credit repair companies tend to overextend their programs.’

Why? Because you pay them on a monthly basis and they have no real reason to get the job done fast. They’ll just keep sending automated dispute letters a day in, day out, trying to clutter your creditor’s mailbox.

They’ll keep doing the same routine for as long as you’re willing to pay them, promising results, but rarely delivering any.

At White Jacobs & Associates, we’re acutely aware of how these companies do “credit repair.” And it’s not right. We’ll always give you a rough estimate of when you can expect to see some results.

Usually, it takes about 30-45 days to see some improvement in your credit score. Oftentimes, our clients get better reports after only two weeks into the program.

We also put a limit on how long the program lasts. It will never take longer than six months for our credit repair program to yield results and boost your credit score.


We understand that your situation is unique, and that’s why we tailor our approach to find the solution that will work best in your case. We won’t waste your time and money by sending out generic dispute letters – this is something you can do yourself! Instead, we will leverage our team and expertise to provide you with the credit repair Raleigh and its citizens deserve.

During the initial consultation, we will assign you a credit analyst that will stay with you every step of the way, keep you updated, and answer all your questions. Once we’ve reviewed your report from the three major credit bureaus, we come up with a customized game plan and actionable steps. From that point forward, you’ll know exactly what you can expect and how long the process will take.

You won’t find that level of customization anywhere else.


What’s so special about our approach that beats sending dispute letters?

We’ll tell you — At White Jacobs & Associates we leverage consumer rights laws to challenge your creditors and ensure they aren’t reporting any inaccurate negative items. Our in-house team of credit repair attorneys audits your creditors and demands they provide proof for negative items on your credit report.

As it often turns out, your creditors won’t be able to provide the proof they need to justify a negative item on your credit report. In this case, they are obligated by law to remove it.

But that’s not it.

At White Jacobs & Associates, we employ a dedicated in-house law firm to build a case against your creditors if they don’t remove the negative items they can’t validate from your report. They’re the reason why our approach is so aggressive (and effective).

Plenty of people tend to think that getting lawyers involved is a step too far. It can seem intimidating. But don’t worry. Our lawyers are consumer law professionals with years of experience doing this sort of thing. Moreover, they’re crucial to our process.

After all, creditors have lawyers of their own who’re there to fight your disputes. So why not level the playing field?


White, Jacobs & Associates is the only Raleigh credit repair company you’ll ever need, as our credit repair process yields lasting results. In addition, our credit repair specialists will coach you on what you can do to keep your credit score healthy in the future.

Get in touch with our credit analysts today and they’ll tell you all you need to know about credit repair.

We know how all those financial institutions operate, and we know how they think. And that’s why we’re the right people for the job.

Take the first step towards regaining your buying power and reach out to us today!

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