Top Rated Credit Repair
Chicago, Illinois

Credit Repair Chicago IL — Best Credit Repair Services

You need to be aware of the differences between traditional credit repair and an a process directed by investigative research specialists. We’re not a disputing service (sending and re-sending disputes) like the majority of credit companies out there. We offer real credit repair Chicago needs. 

But even more importantly, we know that you need a professional company that isn’t trying to take your money without any reasonable expectation of actual results.

The Best Chicago Credit Repair Company

At White Jacobs and Associates, you’ll discover that we’re completely open about what we expect to achieve after looking at a tri-merge credit report where we can analyze items from Experian, Equifax, and TransUnion. Success comes from understanding the details, so this is why we offer a credit assessment and consultation free of charge. If we do not think we can help you, we won’t let you sign up for the program. The last thing we want to do is waste your time and money.

Let’s dive a bit deeper into the details. Do you know what is on your credit reports? We usually see general collections, late payments, charge-offs (delinquent accounts), medical collections, late payments on student loans, repossessions, bankruptcies, foreclosures, and more.

If your credit analyst decides you’re a good fit, we’ll begin to leverage existing consumer credit laws to delete the negative/inaccurate items from your credit report through our auditing process.

Credit Repair Services — Are They Legal?

If you’re wondering whether Chicago credit repair services are legal, worry no more. Credit repair is legal no matter where you are in the United States, Illinois included.

We take advantage of a variety of consumer protection laws that exist to protect you, the customer.

The laws we utilize 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.

Typical Disputes vs. Audits

You may be wondering how our auditing process works.

If a creditor cannot verify or prove an item on your credit history, then that item has to be deleted. Additionally, if creditors do not respond to our letters by the legal time limit (usually around 30 days), then the item must be removed. Common dispute letters are often disregarded, however, our escalated audit letters, written with years of experience, regularly prompt a response.

Creditors that cannot provide the validation we’re requesting are required to stop reporting that item. Once that happens, it should not show up on your credit report. As you can tell, credit repair is a tedious process that requires the right resources. Few companies have an investigative research team to work on all the details as we do.

Past Issues Require Chicago Credit Repair

You can plan many of life’s events, but many of them come unexpectedly. Rash financial decisions, termination of employment, a family member passing away, health issues, student loan debt, identity theft, or a bad divorce situation are just a few examples.

And then you need to face the consequences. These life events can affect your credit score in a big way. A low credit score can deny you approval for a home loan or mortgage, a refinance, a substantial purchase – or at a bare minimum – it will hurt your ability to get a decent interest rate on loans, credit cards, and various financial tools.

A tiny increase in interest rates can cost you thousands of dollars long-term. You need to understand the urgency of the situation. Bad credit is costing you way too much money compared to the small investment you can make in credit restoration.

How Long Does Credit Repair Take?

Six (6) months is the maximum length of our program. However, we frequently see clients finish much sooner. As soon as we start our first Round (learn more about our 4 Rounds here), it’s common to start seeing results in as little as 45-60 days thereafter.

We have a lot of experience in looking at credit reports and determining the level of success you can achieve, so if you’d prefer a clearer picture of what to expect based on your specific situation, just give us a call. Take advantage of our free credit review and consultation. During the consultation, your credit analyst will design a game plan and give you a realistic timeline.

Credit Repair Chicago vs. Other Companies

A good question you may be asking is … “What makes you different from other credit repair Chicago based companies?”

An excellent question! We could talk about this at great length, but we will give you a short answer.

You can find hundreds of credit repair companies with an online search. Unfortunately, they all do the same thing in terms of credit repair services – which is sending out disputes and charging you a monthly fee. Sending out dispute letters is something you could do yourself! 

These “disputing” companies don’t operate with the required urgency to get results because the longer you stay on their program, the more money they make! They DO NOT audit creditors as we do in our 3rd and 4th rounds.

Auditing takes tremendous time and resources, so it takes a special kind of credit repair company to go through with that. And we have that. We have an in-house team of investigative researchers and expert credit analysts to assist you through the whole credit restoration process.

Get Our Credit Repair Services Today

We understand that some of our clients are in a hurry to get a higher credit score. It’s the only way to get your buying power back. There’s no time to waste.

Talk to our expert credit analysts today for free, and we’ll see what we can do for you. We’re all the credit repair Chicago IL needs.

Ready to get started? You know what to do.