We know credit. You're in good hands.

A team of analytical, investigative, and credit experts you can trust

Our philosophy is simple. We’re committed to changing your life through credit.

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Experience matters. We have it.

With a deep understanding of the consumer credit industry, we’ve leveraged our decades of experience to grow a seasoned staff of analytical, investigative, and credit repair experts to back our services. Using our knowledge, guidance, and aggressive approach to credit; you will witness, first-hand, how we work to renew your creditworthiness.

Specifically, we utilize the Fair Credit Reporting Act, The Fair Debt Collection Practices Act (FDCPA), Fair and Accurate Credit Transactions Act (FACTA), and HIPAA to find violations and remove inaccurate items from credit reports. We do this with an attorney-backed program, which virtually no other company does.

And we take it one step further.

Not only do we work to remove negative items – we also help you build POSITIVE credit by guiding you to establish new trade lines, revolving accounts, and installment accounts that will balance out your credit portfolio. We will educate you on the most effective use of those lines of credit, as credit tools.

The Credit Analyst.
Your point of contact.

The Credit Analyst at White Jacobs and Associates is your personal credit mentor. Before you begin the program, the analyst will ensure that you’re a good fit for our services. And once you start, the analyst will be there to keep you updated on progress, coach you on credit strategies relevant to your specific situation, and answer any of your questions along the way.

Why is this important?

Having a personal credit analyst during the whole process is better than calling into a big customer service department (like other companies do) and explaining your situation time and time again. Who wants to do that? No one. That’s why we pair you with someone who will be fully invested in your success.

Investigative Research.
Behind-the-scenes Dream Team.

The WJA Investigative Research Team works in tandem with our Credit Analyst to ensure each item reported is thoroughly researched for accuracy and compliancy with consumer credit rights.

They’ve seen it all.

Our investigative research capitalizes on differences between each of the credit bureaus (Experian, Equifax, and TransUnion) as well as the nuances between common creditors & collection agencies. Leveraging those specialized skills – they are able to approach each client’s credit report with a customized plan.

It’s like having a squad of credit geeks working for you.

Involved and In-house.

The last (but not least) part of the trifecta. We work in conjunction with an in-house lawyer for the purpose of auditing items on credit reports. Attorney-backed audits carry significant weight.

Additionaly, the attorney is available for situations that may benefit from debt settlement. And, we can refer clients to our attorney for more difficult credit issues.

It’s important to understand the difference between having an in-house attorney that works directly with your program (like us), as opposed to credit repair companies that are owned by, or “network” with attorneys outside of their office (like Lexington Law, CreditRepair.com, etc). Learn more about the differences between Us and Them.

We know you’ll make the right choice. And we’re excited to hear from you!