Top Rated Credit Repair
Houston, Texas

Credit Repair Houston TX

Credit can change your life. When it is good, so is your buying power. You can afford to purchase a home or car and enjoy more financial freedom in general. When it is bad, however, the quality of your life is bound to take a hit. The best credit repair Houston has to offer can help you get back on track with your credit score. Traditional credit repair (sending disputes) doesn’t work like it used to. That’s why our 4-round auditing process was created.

Not many people want to deal with you when you have a bad credit history, and it is difficult to find trustworthy people who will. Having capable, skilled, and trusted investigative research team gives you the opportunity to get your finances back in shape. White, Jacobs & Associates is not a law firm, but our services are managed in-house law firm, which allows us to use applicable legislation to your benefit.

Past Financial Troubles? Attorney-managed Credit Repair in Houston May Be the Answer

When it comes to your finances, you understand that good credit can save you thousands of dollars. It can also mean the difference between approval or rejection for bigger financial moves throughout your life.

Naturally, you want your credit repair to be handled by the right people. Credit repair services should do more than just talk. You want real action behind the words. That doesn’t mean sending out a few dispute letters every month like most credit repair companies. That may have worked years ago, but a firmer hand gets much better results.

You Deserve Someone to Fight For You 

If you’re serious about being approved for a home, refinance, loan, or getting favorable interest rates on purchases, credit cards, etc., you need a serious company that takes an aggressive approach in restoring your credit score. 

Sure, you could hire the “100-bucks-a-month” guys, but don’t expect great results. Great results come from a customized process backed by an investigative research team and a credit analyst to guide you from start to finish. And that’s what White, Jacobs, and Associates offer you.

White Jacobs and Associates Cares About Your Financial Status

The goal of the “100-bucks-a-month” guys is to have you as their clients for as long as possible. That’s the way their system functions and the method by which they make money. So, not only are you waiting for years to repair your credit score, your financial situation is worsening due to the monthly payments. 

You’re not going to have much luck buying a house in TX that way. At White Jacobs & Associates, we explain to our clients how we will fight tooth-and-nail to improve their score, and we will do it as expediently as possible. If your credit score can’t be improved, we will inform you straight away. We won’t have you paying us while doing nothing to help.

Credit Repair Scams vs. The White Jacobs & Associates Experience

Any credit repair company that makes a specific guarantee about results should be approached with great caution. You’ll find that we’re upfront about what we expect to accomplish after looking at your FICO credit report from all three major credit bureaus. This is part of our no-cost credit review and consultation. If we cannot help you, we’ll tell you. We don’t want to waste your money.

What We Can Help With

We can help you by removing negative items reporting on your credit – general collections, late payments, charge-offs (delinquent accounts), medical collections, late payments on student loans, repossessions, bankruptcies, foreclosures, and more.

Is Credit Repair Legal in Texas? 

Yes, credit repair is legal in TX. All of our tactics are performed by our investigative research team. We help our clients improve their credit scores legally. The last thing we want is to put further strain on your financial situation by wasting time on an inefficient plan.

What Legal Resources Do You Have?

Once we decide you’re a good fit, we use consumer credit laws to delete inaccurate or negative items from your credit report. Those laws include (but are not limited to) 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.

Why Hire White Jacobs & Associates?

We care about our client’s financial situation. We believe that results are the best marketing strategy you can have. After all, asking creditors for answers and sending generic dispute letters is something you could be doing yourself. We won’t guarantee specific outcomes, but we do promise to use all available resources to improve your situation.

Disputes vs Audits

One of the key differences between White Jacobs & Associates and other credit repair companies is that we audit creditors and DEMAND they show proof of their ability to report negative items on your credit. And they often can’t. In that case they are required to remove inaccurate items from your credit report. That is why auditing can be more effective than disputing, and you get that benefit by working with us.

Investigative Research

We have an entire team of investigative researchers that craft responses to creditors based on how they respond to our letters. You won’t find that level of customization in most Houston credit repair companies.

We Provide a Time-Frame

It is in your best interest to have your credit score improved quickly. The faster you are done with the process, the faster you can get a loan. Not only that, but you won’t have to continue to pay for credit repair services.

Improving Your Score Does Not Take Years

The worst outcome for you is to pay for credit repair for years on end, only to have nothing to show for it. You lose substantial amounts of money, while you could have been searching for other solutions for free. Many of our clients come to us from unsuccessful attempts with a traditional credit repair company that charges and endless monthly fee with very little results to show for it. That’s not how it should work. A progressive credit repair company should have an incentive to get results quickly.

White Jacobs & Associates Won’t Mislead You

The bottom line is that your credit score either can or cannot be improved. We value honesty and you will be told as soon as possible what can be done to improve your credit history. We won’t guarantee results without giving you a timeframe in which we can achieve them. That would be simply dishonest.

How Long Does the Restoration Process Take?

Our 4-round process lasts a maximum of 6 months. However, it’s common for our clients to have their credit repaired within 3 months. Once you start, you can expect to see the first results in as little as 30-45 days. If you want a better idea of what to expect based on your specific situation, just call us.

We offer a no-cost credit review and consultation. Your credit analyst will work out a game plan during the consultation and set a realistic timeline for your particular case.

One thing is certain: the longer the process takes, the more you have to pay. That is why we stress that our process lasts a maximum of 6 months, and we always do our best to make it as short as possible. We won’t string you along for years without accomplishing anything as some other credit repair companies might.

How Much Does Credit Repair Cost?

Unfortunately, there is no set cost. Each situation is unique, and we can’t give you a cost assessment until we are aware of your specific circumstances. We can make a base assessment once you contact us and we conduct our no-cost review.

Don’t Settle For Anything but the Best Credit Repair Company in Houston, TX

You need more than generic dispute letters to the credit bureaus, which you can do yourself. You need personal attention. That’s why your dedicated credit repair specialists will be there for you every step of the way, from the initial checking of your report from credit bureaus to achieving your financial goals and advising you on future credit decisions. 

Whatever the reason behind your bad credit history (whether it’s poor financial decisions or major life events), you can rest assured we will handle your credit repair professionally. If you are here, you are probably tired of the effect your credit score has on your life. The sooner you start doing something about it – the better. At White Jacobs & Associates, we know the intricacies of credit repair in Houston and will use that knowledge to assist you in every way possible.

If you are still unsure how to go about improving your credit, just give us a call. We’ll be more than happy to answer all your questions.

You need your buying power back. That’s our mission. Let’s get the conversation started.