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Winston-Salem has something that we will all be searching for in the years to come – a comfortable climate and good air quality. Add to this mix an artsy scene that is felt all over the town, and you have a winning combo. Oh, lest we forget that the median home price is $152,000, a whopping 47% under the national average. So it’s no wonder if you are thinking about settling in more in this place. But to settle in properly, you need good credit repair in Winston-Salem, NC. And that is where White, Jacobs and Associates comes in.
A good credit score is a financial edge you need to get on your feet. From scoring your dream job, renting that pet-friendly apartment you were eyeing, and getting the lease on the car you want – having a favorable credit score will make you seem more trustworthy to creditors and lenders.
Your credit score is the sum of the entries found on your credit report, which gives an overall picture of your financial history. Somewhat unfairly, it’s also viewed as a window to your financial responsibility. We say ‘unfairly’, because there are factors that just happen in life and are outside of your control. Medical bills, death of a loved one, a pandemic while you are in the middle of repaying a loan – you name it. But WJA knows that you are not entirely at fault if you have a bad credit score. You just need a good repair company by your side to help bring that number up.
According to the FICO credit scoring model, a bad credit score falls in the 300-579 range. To have a good credit score, you should aim in the 670-850 range, with 850 being the highest possible score.
FICO’s model focuses on five factors in a credit report:
● Payment history (35%): This factor tells if you have been making payments on time.
● Amounts owed (30%): The sum of credits and loans you’re using compared to your credit utilization rate.
● Length of credit history (15%): Self-explanatory, since it tells creditors and lenders the length of time you have had credit.
● New credit (10%): The factor that informs creditors and lenders how frequently you apply for and open new accounts.
● Credit mix (10%): Information on your credit cards, finance firm accounts, mortgage loans, installment loans, etc.
It’s evident that there are several places in these five categories where bad entries can sneak in and hurt your credit score. That’s why we fight hard for credit repair in Winston-Salem.
Credit repair is the process of erasing negative entries from a credit report, as well as the process of adding positive credit. That leads to a higher credit score and better buying power for individuals.
Credit bureaus are in charge of adding these items to your credit score. The three major bureaus in the U.S. are TransUnion, Equifax, and Experian. They collect data about your credit card utilization, your loans, bankruptcies, etc. This data is then calculated via credit scoring models, giving a number that we call your credit score.
At White, Jacobs and Associates, we bring up your credit score by more than just a couple of credit points. Our credit repair service uses aggressive and alternative methods that yield results.
Traditional credit repair companies won’t do much to fix your life situation. They use outdated and ineffective methods. These mainly consist of sending out automated dispute letters to your creditors. Such companies stretch out their process for as long as possible because they charge you up to $100 a month. So their goal isn’t to solve your problem; it’s to make as much money as they can.
At White, Jacobs and Associates, we view such an approach as scammy. We don’t just take your money and sit idly. We employ an alternative 4-round method which also involves our in-house lawyers. They don’t just stop at sending out disputes – our attorneys forcefully go after creditors and bureaus, challenging them about the unfairly reported negative entries in your account. They go as far as to audit them and build a case against them.
We start by offering you a free consultation with our credit analyst. We get down to business after we give you a fair assessment and timeframe of our process (which never takes more than six months).
We look at three credit reports and into every detail in them. Then, our process mentioned above of sending dispute letters and audits comes onto the scene. Don’t be alarmed if you start getting calls from panicked creditors around this time. Resist the urge to communicate with them and leave the heavy lifting to us. They’re just feeling uneasy because credit repair specialists are breathing down their necks.
In 30-45 days, you will probably already start to see improvements in your credit score. That means that the WJA method is working.
Our in-house team of lawyers ensures that everything we do is within laws and regulations. The U.S. government has many laws that protect consumers, and our attorneys are all well-versed in them. The rules in question 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 laws.
Seeing how the Government already gave the public so many tools at disposal, it would be downright useless to hire a credit repair company that doesn’t use them to your advantage. So, WJA teams up with Lady Justice to get your buying power back.
At White, Jacobs and Associates, we use everything in our might to help you get on your feet. We are the best in the field because we combine expertise with honesty – if your credit can’t be repaired, we will let you know right away. Get in touch with us today to find out why we’re the best credit repair Winston-Salem offers.
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