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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


Often called the “Heart of Texas,” Waco beats to the rhythms of inspiration and possibility. Creativity, freedom, and inheritance represent its lifeblood. But it’s difficult to embrace all of that if your credit score is holding you back. Let experienced credit specialists help you today. Your search has led you here, to the best credit repair service Waco knows and trusts. Don’t take our word for it, though. Check out what past clients had to say.

credit repair waco tx

Waco needs to be enjoyed to its fullest – with good credit that flows with opportunity.


Your credit health weighs heavy on you these days. You feel the pressure to get a move on with your life and with purchases that will make things easier and better. Your heart realizes a dream, but a bad credit score feels like a disease. It causes stress and rejections everywhere you turn. You want to set it all right. You’re worn out by all the late fees, overwhelming debt, and unobtainable loans. You need your buying power back. Wouldn’t it be great to feel your heart pumping with promise and passion again?

White, Jacobs & Associates (WJA) understands where you’re coming from. And you can garner that very feeling again with a customized plan of action. It’ll take some time, and you’ll have to adjust and sacrifice along the way. But if you’re looking to lock in better interest rates, increase credit score, or fix credit to buy home or auto, it’s worth the effort. And it’s worth hiring the experts to handle your credit case with both compassion and aggression. WJA’s approach employs an in-house attorney and an investigative research team; you’ll be paired with a personal credit analyst who will guide you every step of the way. With this kind of partnership, you’ll finally be able to breathe. Explore the details of our process.

Further, White, Jacobs & Associates always sees you as an individual. You’re not a random customer: you’re a valued client with a story all your own. WJA looks at the entire picture. They’ll get to know you and where you’ve come from, where you’re standing now, and where you want to be in the next 6 months. Anytime you have questions or require coaching during their process, you can call on someone you’ve come to know. A familiar voice will answer. Why would you opt for an impersonal credit repair plan? A credit score is personal. It’s affecting you in a unique way, and you deserve to have trained eyes and minds working specifically for you. Learn more about the WJA mission.


When your own heart feels heavy under a load of financial burdens, it can be easy to reach for the advertised quick-fix. So many credit repair companies out there love to sell a “simple” approach. The problem is, their simple approach isn’t getting the job done. They’re simply sending out impersonal dispute letters that miss the mark. These letters are generic. These letters sound like everyone else’s, so creditors and bureaus aren’t hearing you in particular. Simple isn’t always best. White, Jacobs & Associates prefers the term “aggressive,” which is quite the opposite. They see the complexities and nuances in every case they take on, and they’ll make sure the creditors and bureaus see those as well.

Items on your credit report. We’ve seen it all.

Your heart should be a place of strength, courage, and growth. But it’s hard to exude those traits when bad credit plagues nearly every vein of your life. A suffering, weakening credit score spills over into almost all parts of your existence. When the financial side of things falters, other personal areas are under attack as well. Your relationships, physical health, and workflow may be negatively affected. It’s not uncommon for the sheer force of divorce, medical bills, and growing families to push you over the edge. You may feel yourself collapsing under student loan debt, a failed business venture, foreclosure, car repairs, or job loss. What will it take to find some peace again? What will it take to feel in control? Leave it to the experts.

A personalized credit repair process makes a huge difference

Residents of Waco – White, Jacobs & Associates is the answer. If your mission is to improve your credit score and learn to better manage your finances long-term, then don’t pay an indefinite monthly fee as scams feed off your savings. It seems that they’re sucking the life from you instead of giving you the life you want and deserve. Demand more, and find more in WJA. With them, you’ll discover the one-on-one attention it truly takes to tackle your poor credit head-on. And as you work to understand, dream, and plan with your family, WJA works to conduct multiple rounds of audits on your behalf. They’re focusing on your negative items and inaccurate ones.


To boot, White, Jacobs & Associates is taking care of business in a timely manner. You won’t be asked to participate in this credit journey for a year or more. In fact, if companies aren’t reporting a specific time frame, you can almost guarantee they’ll take advantage of you. With WJA, you’ll get results in as little as 45 days, and they’ll never charge you beyond their 6-month window.

They’re experienced, and they realize that 180 days will yield the improved score you’re looking for. And you can feel secure knowing that even if your particular credit circumstances require more time, you won’t be held responsible for any payments after that 6 months. Choose the credit specialists who keep you and your well-being front and center.


White, Jacobs & Associates will stand by you as a Credit Authority©. If you’re trying to improve credit to buy home or auto, secure better rates, etc., then you should know that they’re the credit repair company Waco believes in. Read more about the WJA mission here. Or check out some real results and reviews.

Take heart, Waco. You don’t have to settle for less with a credit scam. Along with premier credit repair services, White, Jacobs & Associates offers a free consultation. Contact them now!

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