Top Rated Credit Repair
Tucson, Arizona

Credit Repair Tucson AZ

Tucson, AZ is constantly growing in size and the cost of living is appropriately rising. As the second-largest city in Arizona, the economic power of Tucson is comparable to the largest U.S. cities. Unfortunately, the income of the average Tucsonan has not followed suit. You need every financial edge you can get to compete, and that includes your credit score. White, Jacobs and Associates offers the credit repair Tucson deserves.

Regardless of what your plans are – getting a mortgage, buying a new car, taking out student loans, getting an investment loan, or simply wanting better interest rates, you need the best credit score you can get and that is what WJA offers.

White, Jacobs and Associates Is Not a Traditional Credit Repair Company

We don’t use the same tactics that have been used for decades. If you have tried your luck with a standard Tucson credit repair company and had no success, it’s worth your time to talk to an analyst at WJA. We play smart and hard. Our methods have been devised to get the most out of credit repair in the shortest time possible, and we implement them aggressively. We understand you need your score improved now and that is what we intend to do.

What is a Good Credit Score?

The two main models which are used to judge credit score are the FICO model and VantageScore. They both range from 300 to 850, with 300 being the worst and 850 the best. Generally, anything above 660 is considered a fair score. If your score drops to about 580, you should still be able to get a loan, but the conditions will be much less favorable. Anything below that and you are in serious trouble.

Creditors use your credit score to judge how likely you are to pay them back. Because your credit score affects the interest rates you get, they are not interested in you having a high score. For them, it is best if they can be reasonably certain that you will pay them back, but have a low enough score that they can charge you a higher interest rate. That is why you should always try to improve your score before taking out a loan.

What Items Affect Your Score?

Your credit report contains both positive and negative items. You get good credit by paying off your debts on time and managing revolving credit responsibly. Your credit utilization ratio (the ratio between your credit card limit and credit card debt) makes up 30% of your overall score. A good credit history makes a significant impact on your credit score.

Negative entries can be anything from late payments, medical collections, student loans, to bankruptcies and repossessions. Even applying for too many loans in a short period can lower your score. While we’re at it, the creditors and credit bureaus themselves make mistakes that appear as negative entries on your credit report. WJA has seen it all and we know how to deal with it.

Our 4-Round Credit Repair Process

Our reputation rests on getting results and we are not afraid to be compared to any other credit repair company in Tucson, AZ. Other companies are more than happy to charge you monthly fees while sending by-the-books dispute letters. We won’t do that. Our 4-round process is designed to improve your score now.

You will be assigned a personal credit analyst for an initial consultation, who will investigate your credit history and all three credit reports. As soon as the analysis is finished, we will go after negative entries on your reports, while you get counseled on how to add positive credit. We will decide which items to go for first, and initiate disputes.

You can expect that your creditors will start contacting you at this point. You should direct all communication to us so that we can analyze their responses. We will notate which items have been removed and go after the rest. At this point, we will start auditing the creditors and credit bureaus and initiating specific disputes.

Once again, wait for responses and send us the communications so we can analyze and record which items were removed. For any negative items that remain, we engage our in-house law firm. As a consumer, you have rights and our lawyers will leverage all applicable laws to protect them. We will build a case against your collectors and credit bureaus.

In case any items still remain, we will start with the last round of disputes and audits, where we will also reference the software system they use to record entries. The system often makes mistakes and miscommunication is common, but they will not admit it until we press them. If we see that different tactics, outside of our 4-round process, will work, we will employ them, at no additional cost to you.

How Long Does White, Jacobs and Associates Credit Repair Tucson Process Take?

You can expect results within the first or second month of hiring us, however, our process never lasts longer than 6 months. If it can’t be done in that time-frame, we will not continue taking your money, as some others will. We can either get results, or you can search for different ways to improve your financial situation in Tucson, AZ.

The Difference Between Audits and Disputes

Disputes are the standard tactic most companies use. While they can sometimes be effective, even slightly stubborn creditors will not respond. Doing the same thing over and over again is the definition of incompetence. That is why WJA’s credit repair Tucson process rests on audits. As a consumer, you are protected by federal and state laws and our credit repair services use those laws to their fullest.

Once we start auditing, your creditors and bureaus need to prove that they have the right to report the negative entries on your credit report. Otherwise, they are legally required to remove them or face a lawsuit. We don’t simply ask them to improve your score, our lawyers demand that they fulfill their legal obligation.

We Will Get Your Buying Power Back

Our mission is to get your buying power back as quickly as possible. The best credit repair Tucson offers needs to be efficient and expedient. You know what you get with us – if you are a good fit, aggressive and hands-on repair; if we can’t help you, we will tell you directly and offer advice on what your next step should be.