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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

Credit Repair San Francisco

San Francisco – ever since the Gold Rush it has continued growing in size and wealth, until, as of today, it stands as the fourth largest metropolitan area by economic output. There is a lot of money circulating in SF, but, as with all metropolises, your personal situation can turn for the worse overnight. Your credit score has a huge impact on your finances and that is why White, Jacobs and Associates offers the credit repair San Francisco deserves.

credit repair San Francisco CA


Do I Really Need Credit Repair?

Your credit score affects every significant financial decision you make. It is not just about the ability to get a loan – your interest rates are affected, and even your landlord or employer can access it and use it to gauge how responsible you are. We don’t believe that past mistakes, unfortunate events, or even a simple lack of knowledge about credit should be a permanent stain on your record. We provide San Francisco credit repair services and intend to improve your financial state.


Our Tactics for Improving Your Credit Score

Our method for improving your credit score rests on diligent analysis, a unique 4-rounds process, and a hands-on approach, all backed by our investigative experts. We will expand on our process below, but let’s explain what separates us from other credit repairs San Francisco CA companies.

We don’t only use traditional tactics to improve your credit score. They have their place but have outlived their usefulness for the most part. If you hire a company that initiates generic disputes over and over again, you’re not getting your money’s worth – we initiate specific disputes based on the analysis of each item in your credit reports and audit your creditors. Where it is needed, our in-house investigative research team will have your back.


We Won’t Waste Your Time

We will tell you, in no unclear terms, what can and can’t be done and how long it will take. Unlike other SF credit repair companies who will charge you monthly fees regardless of the results they get and string you along well beyond reason, WJA will include you in each step of our process, so you will know what you are paying for. 

Our business model rests on expediently getting results, not amassing a clientele to string along. You don’t need any business experience to see who stands to gain from keeping you out of the loop. We are transparent and charge you only for the services we provide you. If the WJA methods can’t help you, we will inform you.


What Causes a Bad Credit Score?

In short, negative items on your report and a lack of positive credit. WJA helps with both. Negative items can be almost anything, from student loans to bankruptcies. Even errors in the E-Oscar system (the software credit bureaus and creditors use to communicate) can show up as negative items on your report and lower your credit score.

As far as positive credit goes, you may not have a lot. Most likely, you don’t have as much as you could. You gain positive credit by taking out loans responsibly and paying them off in time. However, many subtle factors influence it, but most people don’t know about them. The credit utilization ratio and frequency of loan requests would be examples. Our specialist will guide you through the entire credit repair San Francisco process.


Our Unique Credit Repair Approach

As was previously stated, our credit analysts research your reports. You will be assigned a personal analyst who will guide you through the process. Based on the analysis, we come up with a customized plan for each of the negative items – which ones to tackle first, what approach would be the most effective, etc.


White Jacobs and Associates Credit Repair Services Include Counseling

Besides removing negative items, we counsel you on how to add positive credit. Removing negative items is a one-and-done deal, but consistently keeping your credit score high is an ongoing process.

We’ll share with you some of the best practices regarding positive credit. Once our credit repair services are complete, it will be up to you to maintain a good credit score.


Our 4-Round Process

In each round, we audit and send dispute letters, analyze the responses from the creditors and bureaus, and adjust our tactics accordingly. The consecutive audits and disputes become more specific until we get the results we want. If necessary, we escalate in the third round by having our credit experts contact the creditors.

In some rare cases, the first round is enough. If you are one of the lucky ones, we will end our cooperation and you can continue with your life. However, creditors are usually more stubborn, so it may take the entire 4 rounds and a heavy-handed approach to improve your credit score to its maximum.


The Power of Audits

Disputes are letters that claim the information on a report is outdated or incorrect. If you are correct and the creditor is an honest actor, it should end here. However, this is often not the case and that is why we audit them.

With audits, we demand that they prove the validity of the negative items that are on your report . If they can’t, which is not uncommon, they have to remove them or face repercussions. As they fear repercussions, they usually give in. However, if they don’t, we are more than happy to pressure them further.

credit repair San Francisco CA


How Long Will It Take to See Results?

The entire process never lasts longer than 6 months, but, more often, all it requires is 30-45 days. Whatever the case may be, we won’t string you along and you’ll be given a time frame once we have an in-depth understanding of your situation. Don’t settle for anything less but the best credit repair in San Francisco.


Is Credit Repair Legal in San Francisco, California?

Because of our aggressive tactics, it may come off like not everything we do is above board. We assure you, everything we do is completely legal. We would never jeopardize the wellbeing of our clients, nor would our credit experts allow us to step outside of the bounds of the law.


Laws That Protect You, the Customer

Credit repair is not only legal in California, you have rights that protect you from unfair and unprofessional practices. The federal and state laws that are relevant to credit repair and that we employ to improve your credit score are 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 various laws.


White Jacobs and Associates Won’t Let You Down 

Our reputation rests on word-of-mouth and the results we get. If you decide to hire us, you will be included at every step of our credit repair process, so it will be clear what services you are getting. 

In case you are still unsure, contact us at White, Jacobs and Associates and arrange a free consultation to see what we can do for you. Get your buying power back with a higher credit score.

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