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Living in Saginaw, Texas, comes with certain perks, one of them being a median home price of $255,200 – a significantly lower sum than the $408,800 national average for 2021. That means that scoring the keys of your own place is more simple to achieve in this small community of 25,000 residents. But you still need to make sure that your credit score allows for such a move. That’s where White, Jacobs and Associates comes in, offering the professional credit repair Saginaw needs.
So no matter if you’re fixing your credit score to impress real estate agents, landlords, lenders, or future employers – WJA’s team is on hand to lead you to the process and do the heavy lifting.
Before we get to it, let’s remind ourselves of credit score basics and how we hit low credit in the first place.
A credit score is a three-digit number that, when placed high enough, helps you achieve important milestones. It lets creditors and lenders know that you can be trusted with money and handling it. From buying a family home, making a car purchase, or meeting the requirements of your future employer – a good credit score can open many doors. Unfortunately, credit score is a two-way street. Meaning, a poor credit score can shut a lot of those doors, as well.
Credit scores are calculated through the lens of your past financial decisions. So whoever has access to your credit report can see specific entries related to your payment history, negative events like collections and late payments.
So what’s the credit score you should aim for? A credit score is generally graded in the 300-850 range. And you should aim for a credit score of 660 and up.
Bear in mind that you actually have more than one score. There are different models for credit scoring, such as the well-known FICO and VantageScore models. There are also multiple credit scoring companies that use different calculating formulas (with the most recognized companies being Equifax, Experian, and TransUnion).
But regardless of the calculating model or company, it’s worth knowing the broad range your score falls into.
And if you want to apply for a loan in Saginaw or buy a property, you first have to compete with the Texas average credit score of 688 and bring up your credit number. And at White, Jacobs and Associates, we prime you for your next milestone.
Credit repair is the process of restoring your credit score to higher numbers. It’s done by disputing the accuracy of verifiability of the information in your credit reports.
While disputing information in your credit reports is your legal right, thanks to the Fair Credit Reporting Act (FCRA) and other laws. That being said, the process of restoring credit isn’t something you can be easily done on your own. An experienced team can be your leverage to get your buying power back.
Anyone can offer credit repair. But most traditional methods are nowhere near as proactive and personalized in their approach as WJA. Understanding the difference is critical.
Most repair agencies treat all credit reports the same way. They send out generic (and often automated) dispute letters to creditors and bureaus. The effectiveness of this is what you might expect. At White, Jacobs and Associates, we take an aggressive and alternative approach to credit repair in Saginaw.
Here’s what goes down:
At WJA, we employ a tedious four-round process to credit restoration. Yes, just as our counterparts, we send out dispute letters, but we do so strategically. The dispute letter is only the first part of the process.
Auditing creditors is an important component of what we do. Additionally, in our 3rd and 4th round, our Investigative Research team and our partnered attorneys start asking the bureaus and agencies for proof that the negative items in your report are valid. We’ve learned during our years in the credit restoration field that having an investigative research team well-versed in consumer laws is the backbone of a successful agency. And our 70-90% success rate proves we’re right.
Your everyday credit repair company will charge you up to around a hundred bucks per month. And its biggest concern will be how to stretch out your case for as many months as possible – even years.
At WJA, we do things a little differently. After a no-cost consultation where we lay out the possible outcomes and transparently let you know if your score is repairable, we get down to business.
And here is the usual pattern we see with all of our clients – the first results will be visible after 45-60 days, and many clients report substantial results after 2-3 months. The only thing we ask is that you send in any response that you receive in the mail so that we can evaluate and determine how to proceed.
Our customized approach never takes more than 6 months.
Instead of navigating the confusing maze of bureaus and creditors, contact us for guidance! Credit specialists at White, Jacobs and Associates are ready to consult with you on your case and enlist the help of the agency’s trusty lawyer team. WJA has the credit repair Saginaw deserves.
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