Schedule your Free Consultation & Analysis

We protect your privacy. Your information is not shared with third parties.

  • Hidden
  • This field is for validation purposes and should be left unchanged.

By submitting this form, you agree to receive texts from White Jacobs and Associates. Ongoing communication before, during, and after the program will be initiated by our credit analysts and their assistants. Msg & data rates may apply. Msg frequency varies. Unsubscribe at any time by replying STOP or clicking the unsubscribe link (where available). Privacy Policy

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


Let’s face it — Seattle is in no admirable financial situation. The debt just keeps piling on and there’s no end in sight. The debt burden of $1.5 billion is something that should concern every Seattle taxpayer. There’s one way to stay on top of the worsening situation — get the credit repair Seattle and its citizens deserve.

You might be wondering how credit repair can help given the current economic climate. We’ll explain everything you need to know, but the gist of it is that you need to get your buying power back. And unless you’re sitting on a secret fortune, the best way to boost your buying power is through credit repair.

credit repair Seattle WA


We are White, Jacobs & Associates, and we do credit repair the only way that gets results — aggressively.

Most traditional companies offering credit repair in Seattle are too passive. And in this line of work, passive gets you nothing.

If you were ever in need of a credit repair company, you probably ran into these passive repair “specialists.” They tell you they’ll send a thousand dispute letters to try and get negative items off your credit reports. And they do it — but it doesn’t really matter even if they send a million because it’s a weak strategy.

We do things differently at White Jacobs & Associates. Our 4-stage process involves auditing your creditors and targeting them with lawsuits if we deem such a move necessary. That’s the kind of strategy that gets results!


Usually, when we mention the prospect of suing creditors and financial institutions, our clients begin to worry if it’s a step too far. But it’s nothing to concern yourself with. Our credit repair services are 100% legal throughout the US, Seattle included.

Our company has an in-house law firm that can take care of all the legal matters for you. They’re experts in all the consumer protection laws and know what needs to be done to help people suffering from bad credit. These include:

  • Fair Credit Reporting Act (FCRA)
  • Fair Debt Collection Practices Act (FDCPA)
  • Fair Credit Billing Act (FCBA)
  • Fair and Accurate Credit Transactions Act (FACTA)
  • HIPPA laws. 

These are just some of the laws pertaining to your rights as a consumer. That’s why you need someone with the know-how to represent you. Someone like White, Jacobs & Associates.


Yes, you have all the rights to try and dispute the negative items yourself. Nowhere does it state that you must hire a professional credit repair company to do it for you.

However, just like we hire lawyers to help you deal with bad credit, so do the financial institutions. Unless you’re a lawyer, you’re not going to get far fixing credit by yourself. Your creditors have teams of people dedicated to stopping all disputes dead.

So while you’re technically allowed to try and repair your credit score on your own, it’s not recommended. You’ll just waste precious time and get rejected by financial institutions. Instead, get help from a professional credit repair Seattle company with the manpower and know-how necessary to win your case.


At White, Jacobs & Associates, we don’t just send automated dispute letters. It’s an ineffective approach to the real issue at hand.

Less competent credit repair companies in Seattle rely on such a tactic because they don’t know any better. They spam the creditors with dispute letters, hoping one of them makes the mistake of not opening it. If they don’t respond within 30 days of receiving the letter, they have to remove the negative item. Suffice it to say that this never works — creditors have various methods to fight such spammy tactics.

And how does that look on your end? Well, you pay one monthly fee after another, the company keeps sending spam, and your credit score doesn’t get better. No results, no improvement, just wasting money on an amateurish service.

Our Seattle credit repair program relies on several teams of professionals. A combination of an investigative research team, an in-house law firm, and a team of expert credit analysts, is at the core of our service. We employ our unique 4-round process to get you real and tangible results. And we’ll tell you how.

credit repair Seattle WA


Put bluntly — our approach to credit repair works because we go full force ahead from day one. 

As soon as we have all the information from your three credit reports (Experian, Equifax, and Trans Union), we go after your creditors. Our credit analysts and investigators will go after everything that’s relevant. That includes incorrect items, high credit balances, and any negative items we can legally go after.

We don’t just send dispute letters. We also audit your creditors. That means we demand they prove to us that they had the right to report some negative item to the credit bureau in the first place. And guess what? As it turns out, they often can’t give us the proof we asked for, so they are legally obligated to remove the negative item from your credit.

At this point in our process, creditors will contact you to try and get you to validate negative items. Ignore them. Leave all communication to us. And all of that is just the first round of the process.

In the second round, disputes and audits become more specific. Creditors and financial institutions will likely try to get you to validate some items again. You just leave them to us. With our team of credit repair specialists at your side, you don’t have to worry about anything. We’ll handle the entire process.

Depending on how open your creditors are to negotiation and what kind of tone they set during the initial retort, we’ll respond in kind. If they’re hostile and don’t want to cooperate, our in-house law firm enters the stage during the third round of our process. Our lawyers build the case against your creditors, and they handle all the communication from here on.

That’s usually when the creditors can’t take any more investigation and usually settle for a deal. It’s an escalated process aimed at making it too inconvenient for your creditors not to remove negative items.

If need be, we move on to the fourth round of the process where we target the flawed E-Oscar software used in credit reporting. Collection agencies use it to communicate to the bureaus, and it’s a cause of many an error.

Beyond our 4-round process, we tailor our entire game plan based on the individual needs of our clients. There’s rarely ever a case that’s the same as another one. The same goes for our clients. That’s why customization is at the core of our process, and why our credit repair services get significant results.


Unlike other credit repair companies, we don’t just send dispute letters month after month, charging you fees all the while.

After our credit analyst goes through your case, they’ll give you a time window when you can expect to see results. Usually, our clients see the first improvements in 30-45 days after we initiate the process.

More often than not, they get to see their credit score improve as early as two weeks. Our credit repair service never extends past the six-month mark.

We know that our clients are often in a hurry to get their credit scores back on track. That’s why we work as fast as possible, and never give you false hope. The credit analyst we assign to you at your initial credit repair consultation will give you their honest opinion about what your chances are. We don’t want to waste anyone’s time.


White, Jacobs & Associates can help you get your credit score back up. There’s no time to lose — the sooner we initiate the process, the faster you’ll get your buying power back. We can help you with that, as well as show you a thing or two about maintaining a healthy credit score.

Talk to us today and get a free consultation with one of our credit analysts. It’s time you take control of your financial situation and get the best Seattle credit repair.

Click to rate this post!
[Total: 0 Average: 0]

Schedule your Free Consultation & Analysis

Start my path to better credit