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We can help with...

  • Charge-Offs
  • Collections
  • Bankruptcy
  • Late Payments
  • Repossessions
  • Foreclosures
  • Student Loans
  • Dispute Code Removal
  • Credit Coaching
  • Re-establishing Credit
  • Debt Settlement

Tempe, AZ, has the alluring vibe that all college towns have. Brimming with life and attractions, it continues to bring in a growing population. The town’s Arizona State University is one of the largest public universities in the States, and it’s the #1 public research university state-wide. Considering all of this, having a favorable credit score is essential for your personal financial development, such as your ability to take out and repay a student loan or get approved for a mortgage. WJA does credit repair in Tempe the right way, allowing you to keep up with your peers.

Arizona’s average credit score is 706, which falls into the ‘good’ category. Generally, it would be best to aim for a score over 660 (with 800 being the maximum). With our experts and team of lawyers, you can restore your credit score in less than six months.

Credit Repair Tempe AZ

How Credit Score Affects Your Future

We have already mentioned student loans. But your credit scores also impact other loans like mortgages, refinances, and car loans as well as the interest rates you get on them. And did you know that potential employers and lenders can also make decisions based on your credit score?

Suffice to say, your credit score can severely impact your plans. Maybe you will get approved for a loan, but instead of a 3% interest rate on a long-term loan, you will get a 4% one. That can take tens of thousands of dollars out of your wallet.

Fixing Credit the Right Way

The majority of U.S. credit repair companies have repetitive strategies that yield minimal results. They just send out pro forma dispute letters to your creditors, often disputing even the correct information on your credit report. That leads to a needlessly prolonged and ineffective process. We call such companies $100-buck-a-month guys since they often charge a never-ending small amount of money for small amount of value.

At WJA, we do things differently. There are laws that protect consumers, and we know how to interpret them and use them to your advantage. Our team of in-house lawyers is well-versed in consumer laws such as 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.

Collection agencies and creditors are so used to the lazy methods of traditional credit repair companies that they often don’t see us coming with our expertise and thorough knowledge of U.S. and State laws.

Why Do You Need WJA?

If your credit report needs fixing, we are the answer to your woes! We perform credit repair in Tempe in unison with our team of attorneys, who foster a no-nonsense approach to their job. They are diligent in pursuing credit bureaus and collection agencies. Our lawyers go as far as to build a case against your lenders if there has been a federal law violation that the lenders are unwilling to correct.

But, our lawyers come onto the stage during the 3rd and 4th acts of our aggressive and alternative 4-round process. In other words, we don’t show our teeth right away – we begin by playing it nice and gently nudging them while showing them their missteps and errors. If they don’t respond accordingly, we bring in the big guns.

credit repair Tempe AZ

What Does the 4-Round Approach Look Like?

We begin the first round of credit repair by targeting all three of your credit reports and going over all the unfavorable items in your credit balance. We’re still playing nice at this stage – we send letters to creditors disputing suspicious entries. As a result, you may start getting calls and emails from distressed creditors just two weeks into our process – they are not used to being challenged, so they contact you to get you to validate the debts. Our advice is to ignore them and leave the heavy lifting to us. We do ask, however, that you send in any paper communication they send to you.

The first round will already bring some results in some of the derogatory items disappearing from your report. But we don’t stop there.

WJA demands proof from collection agencies and creditors that they had a right to list negative items in your report. We also challenge them on the software they use for reporting on your financial history. In other words, we leave no stone unturned in our quest to repair your credit score.

If needed, our in-house lawyers even build a case against specific lenders.

I Want to Repair My Credit – Where Do I Begin?

White, Jacobs and Associates offers a free consultation. We will assign you a credit repair analyst who will sit down with you for two reasons:
● They will review your case and tell you if WJA can help. We don’t sell false promises. If we can assist your case, our analyst will map out your personalized credit repair process and give you a timeframe.
● The personalized credit repair process includes coaching you on how to add positive credit in the future. That means you will learn about intelligent credit utilization, tips for continued score improvement, etc.

Overall, our credit repair method takes no more than six months, although our clients start to see changes as soon as 45-60 days into the process on average.

Get Credit Repair in Tempe, Arizona Now

At White, Jacobs and Associates, we don’t just take your money, send out dispute letters, and proceed to sit idly. We seriously take on the role of the top credit repair Tempe has to offer. Book your free council today and take your first step to a brighter future.

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