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San Antonio is the home of the Spurs, the Alamo, the River Walk, and great Tex-Mex food – but it’s also home to your livelihood, your home, and your dreams & goals. Your credit situation defines your life. A good credit situation opens a whole new world of financial opportunities for you – that is what the best credit repair San Antonio has should offer.
Perhaps you’re looking to get approved for a home at a good interest rate, a refinance, a new car, or maybe you want to clean up your credit to take advantage of all the benefits of a strong credit score. White, Jacobs and Associates is here to help you accomplish your goals.
If you’ve had no luck with a traditional TX repair company, we can’t say it’s a surprise. The same tactics that have been used for years simply don’t work anymore. Only modern tactics (which we will explain in detail below), based on custom credit repair, will get the results you want. Other companies may manage to improve your score a bit, but you could more or less do the same yourself. WJA won’t stop at doing the obvious.
Have you looked at your credit report? Maybe you have general collections, credit card charge-offs, late payments, medical collections, repossessions, student loans, bankruptcies, foreclosures, tax liens, or a lack of positive credit.
We’d love to take a close look at your specific situation to get an idea of what needs to be done. Some creditors are easier to deal with than others, so once we review your scores we can give you a good estimate of the success we should have.
At White, Jacobs & Associates, we break from traditional credit repair and offer an aggressive type of San Antonio credit repair program to help recover your buying power through a 4-round customized process engineered by our investigative research team and our in-house law firm. We are not in the business of sending out a bunch of dispute letters. You could do that yourself.
Legitimate & permanent results all begin with a solid legal process. We don’t just do the “dispute letter thing.” We customize our responses and do next-level audits on your creditors. WJA aggressively attacks everything relevant in your credit report by using laws that protect consumers from unfair reporting practices. The great state of TX guarantees your rights and we mean to protect them.
Absolutely. In case you’re curious, the laws we leverage 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.
The ultimate goal is to get your buying power back by removing negative/inaccurate marks from all three reports from the credit bureaus (Experian, Equifax, and TransUnion). It’s a straightforward goal, but it’s not easy to accomplish. And yet, it’s our daily mission.
Why are we better? What makes us different?
These are both excellent questions and we’ve got answers.
Hundreds of credit repair companies do the same thing – they mail or electronically deliver a few automated (and generic) dispute letters month after month and charge you a fee (potentially for years). Dispute letters are something you can send out yourself! These companies have NO incentive to get serious results. Please consider that for a few seconds. Every month you stay in their program, they make more money – with no definitive end in sight!
Most importantly, traditional credit repair companies DO NOT audit creditors as we do in our 3rd and 4th round. Disputes are asking the creditors to remove negative items. That won’t do much to improve your score. Audits are demanding proof that they can report the items. They are legally required to show us evidence, or the potential threat of our lawyers becomes actualized.
Credit restoration, done the diligent way, requires customization and a firm hand. Using our investigative research team – we know how to reply to creditors and enforce their legal obligations. Traditional credit repair companies DO NOT use an in-house attorney to engage with audits as we do. Additionally, they DO NOT pair you with a credit expert from the start of the program until you’re done.
It takes a maximum of 6 months (and some cases do take the full 6 months), but it’s common for clients to reach their goal in 3 to 4 months. Once you begin the program, you’ll typically start seeing results as soon as 30-45 days. Since every situation is different, it’s a good idea to give us a call so we can give you a more accurate time estimate.
Don’t trust a TX company that won’t provide you with a time-frame or a company that guarantees results without first analyzing your reports. Our credit report review and consultation is completely free. We’re easy to talk to and we’ll give you realistic expectations. If you seem like a good fit, we’ll tell you. What we DON’T want is to see you sign up with a run-of-the-mill credit company and waste your money.
The cost of bad credit is larger than you might think. It’s not just the financial perspective. It’s the inability to get approved. It’s the emotional weight of dealing with the constant barrage of creditors. If you’ve made a decision to do something about your credit situation, wouldn’t you want to work with a company that will give you the best chance of success?
Of course you do.
But if you’re still on the fence, take a look at what our past clients have to say about working with us. Once you are ready, contact us to see what the best credit repair San Antonio offers can do for you.
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