As a resident of San Diego, you’ll be better able to enjoy the white-sand beaches and amazing weather if you have good credit. You’re probably here because you need credit help. If you have plenty of time on your hands, repairing credit on your own may be a good option – especially if you are willing to wait several years to see improvement. But we suspect you need to improve your credit score much sooner than that.
The slow route isn’t an option for you. We understand. And we can help.
You can pay your bills on time every month, but that doesn’t mean that the negative items are going to disappear. You can pay a collection but that doesn’t keep the collection from reporting on your credit report. Raising your credit score can be complicated. Why not work with an expert credit analyst to get it done right?
As much as we THINK we have control over our lives, we often just have to adapt. Difficult times come and go. Someone lost their job. A family member has a medical emergency, illness, or passes away. Student loan debt gets out of control. Bad financial decisions are made. You become a victim of identity theft. Erroneous information appears on your credit report.
These circumstances are bad enough. But the way it impacts your credit is like kicking you when you’re down.
A low credit score can deny you an approval for a home or mortgage, a refinance, a large purchase – and even if you aren’t looking to make a big move – you won’t be able to enjoy good interest rates on loans, credit cards, and other financial instruments. Even a one percent (1%) increase in interest rates can mean thousands of dollars in the long run.
Disputes, disputes, and more disputes. That’s what most companies do. In contrast, our aggressive process combines three (3) elements: 1) A personal credit analyst assigned to you for the entirety of the program, 2) execution from our investigative research (IR) team 3) an in-house attorney that engages in our audits in Round 3 and 4. Our level of customization gets results in a short amount of time. We engineered our process around recovering your buying power so that you can achieve your financial goals. That’s our mission.
So just to be clear – we do not just send out dispute letters like other San Diego credit repair companies that will simply take your money put you through an automated process month after month. Instead, we audit creditors by requesting that they show proof (validate) that they are allowed to report these items on your credit report. More often than not, they can’t provide the proof, so they must, by law, remove the items. For this reason, auditing can be much more effective than disputing, and that’s what we do here at WJA. We have an entire department of investigative researchers that communicate aggressively (backed by our in-house law firm) with creditors based on how they initially reply to our letters.
We don’t have to explain to you how difficult it is living with bad credit. It does not matter if the negative items reporting on your report are a result of your own actions or the actions of someone else. It’s time to hire the right company for the job.
We’ve seen thousands of credit reports from clients that have special situations. Frequent blemishes we see are collections, charge-offs (delinquent card balances), late payments, repossessions, late student loan payments, bankruptcies, foreclosures, inquiries, incorrect profile information, and identify theft.
You may several of these showing up on your report. You may have one or two. Either way, your credit scores are probably being impacted. We’d love to take a closer look at your credit to identify the amount of potential success you could have by going through our attorney-backed program.
We don’t have an “ongoing” program. We like to get things done quickly and effectively. Our 4-round lawyer-backed process can take a maximum of 6 months. Once you begin, it’s normal to start seeing results as soon as 30-45 days. As we said earlier, every client has a unique credit report so if you want a clear idea of what to expect, just speak to one of our credit analysts.
Your credit analyst will, in detail, explain how we’ll approach your case. This happens after we’ve taken a close look at your credit report (which we don’t charge). You have nothing to lose. Even if you’re not a good fit for the program, you’ll walk away with good advice from a credit expert.
A superior way to do credit repair. A solid reputation (just Google us). And the personal touch.
What more could you ask for? Let’s talk.