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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


If you’re looking for the best credit repair Round Rock has to offer – you’ve come to the right place. Don’t be fooled by “disputing services” that do nothing more then send out dispute letters on a monthly basis. These companies charge anywhere from 50 to 150 bucks per month ongoing. You could be with them for YEARS with mediocre results. Sending dispute letters is something you can do yourself. So why would you pay a company to do that?

credit repair round rock tx

You deserve a system that gets serious results in a short amount of time. You could be buying a home, refinancing your current home, getting approved for a large purchase, or simply want to enjoy the benefits of strong credit (lower interest rates, special program approvals). Whatever your current financial goals may be, you’ll want a solid credit situation. And that’s our mission – getting your buying power back.

So how do we do it?

The process here at White Jacobs and Associates is on a completely different level compared to traditional credit repair companies. We’ve engineered a 4-round auditing process that uses an investigative research (IR) team and an in-house lawyer. On top of that, one of our analysts will guide you through the entire program from start to finish. It’s like having a personal credit expert by your side. You won’t find a better staff of credit professionals.

Upfront, transparent, and Customized credit repair in Round Rock

At WJA, we don’t like to waste anyone’s money. You’re looking for help and we want to make sure we can provide it. One of the first steps we take is pulling a tri-merge credit report (no, this will not affect your credit score). After reviewing it, we’ll have a consultation with you to go over all the items on your report. We’ll tell you if you’re a good fit for the program, and if so, we’ll tell you what level of success you can expect.

We’ve helped clients will all kinds of marks on their credit. General collections, late payments, charge-offs (delinquent accounts), medical collections, late payments on student loans, repossessions, bankruptcies, foreclosures, and more.

Disputes are dying. Experience the power of Audits.

Disputing items on your credit report can only take you so far. When we perform our audits, we are basically asking the creditors to provide proof (validate) of their ability to report these items to the credit bureaus. When creditors are not able to provide the proof, they are required to stop reporting those items to the credit bureaus (which means that those items no longer show on your credit report).

So now you see how auditing can be advantageous, and that’s what you get with WJA. If you have a few moments, it’s worth your time to read more about our 4-round process.

Is this kind of credit repair legal?

Absolutely it is. We leverage laws in place to protect YOU, the consumer, and work to delete the negative/inaccurate items from each of the credit bureaus (Equifax, Experian, and TransUnion). Those laws include (but are not limited to) the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Billing Act (FCBA), Fair and Accurate Credit Transactions Act (FACTA), and HIPPA laws.

On top of that, our auditing process is unique in the industry. We have an in-house law firm that engages in our audits during two of our 4-round process. Communication from our lawyer carries serious weight. That’s part of the reason we are able to get results where amateur companies fail. When it comes to your credit, we understand every deletion adds up, so we look for every opportunity (no matter how small) to make an impact.

How long will it take to fix my credit?

The short answer is: a maximum of 180 days. However, our 1st and 2nd round results frequently generate results within the first 45-60 days into the process. You can talk to one of our credit analysts to get a better idea of what to expect. As we mentioned before, we like to be straight-forward about our expectations. Every credit report is different. With our experience in serving thousands of clients, we feel confident in giving you a clear picture of what you can expect to achieve by going through our program.

Life happens. Credit suffers. But it’s time to get back on top.

If there’s anything you can count on in life, it’s uncertainty. Life deals blows to us all. You lost your job. A family member passed. A marriage ended in divorce. Someone in your family had a medical emergency. You let student debt get out of hand. You made bad financial decisions. Someone stole your identity. A credit report tells a story. We want to hear your story. Knowing your past can help us understand how to approach your financial future.

What are you trying to do?

Get into a new home? Refinance your existing home? Purchase a new vehicle? Some of our clients just want to clean up their credit so that they can benefit from the perks that good credit affords (good interest rates, approval for good credit cards & loans, etc).

Talk to one of our analysts today. You won’t regret it. Not everyone is a fit for our program. But if you’re a good candidate, you’ll rest assured that you’re the best hands possible.

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