If you go online and start looking for credit repair, you’ll be overwhelmed with options. You may be curious about how we’re different from other companies. A combination of credit strategies is the best way to approach credit restoration so that’s exactly what we do.Ĭredit Repair in Phoenix – the Aggressive Option
Doing this can increase your score significantly. Your personal credit analyst will coach you on adding positive trade lines. The second way to increase your credit score is by adding positive credit. Once we decide that you are a good candidate for the program, we don’t waste any time going after everything on your credit reports. Our investigative research team (IR) and our in-house lawyer provide the force behind the first method – using custom audits to remove negative/inaccurate items from your credit report. And yes, we do other things to improve your credit situation, but our mission is, and will always be, to change your life through credit.
Our priority is to get your buying power back by removing negative/inaccurate items from your report. We utilize 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.
We use laws that protect you, the consumer, to attack everything on all three of your credit reports. We just do it more aggressively compared to a run-of-the-mill company. We don’t want you to sign up unless we feel there’s a great chance for success.Įverything we do to delete negative and inaccurate items from your credit report is legal. By taking a close look at your credit report, we can help you figure out if credit repair is a good option or not. The most common items we see are collections, charge-offs (delinquent credit card balances), late payments, repossessions, late student loan payments, inquiries, incorrect profile information, identify theft – and public records like bankruptcies, foreclosures, tax liens, and more.Ĭhances are, any combination of the items mentioned above is hurting your scores. In short, we deal with pretty much everything. What Negative Credit Marks Do You Deal With? Given that a small increase in interest rates can mean thousands of dollars in the long run – having bad credit is literally costing you way too much. Low credit scores will also restrict your ability to secure good interest rates on loans, credit cards, and other investments. Bad credit scores can keep you from getting approved for a mortgage, refinance, and big purchases. Incorrect profile information being reported at the credit bureaus.Īll of these show up on a credit report and impact your credit score. Experiencing a major illness or medical emergency. With credit scores, the downs can have a severe impact. Plus, you’ll work one-on-one with an expert credit analyst throughout the whole program to answer your questions and keep you up-to-date on progress.
Even the trickiest of credit issues can be addressed because of our level of customization. We pride ourselves on the experience from our investigative research team which is backed by an in-house attorney. Traditional companies offer traditional credit repair (the 100-bucks-a-month guys) for Phoenix inhabitants, but White, Jacobs & Associates (WJA) offers an aggressive alternative to the traditional credit repair methods with our unique process. Most companies do nothing but send out monthly disputes – and they’ll leave you burned and dry.īut here’s the thing: You can send dispute letters yourself!Īt White, Jacobs and Associates we take things to another level instead of doing what 99% of credit repair companies do. Just like finding an oasis in the Arizona desert, working with the best company for credit repair Phoenix has to offer is a real blessing. Strong credit is a critical part of a bright financial present and future. Phoenix is the Valley of the Sun but everyone experiences shady times when it comes to credit.
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