Top Rated Credit Repair
New York City, New York

Credit Repair New York

New York is the home of Wall Street and a hub for finance. Even if you’re not a finance guy or gal, having good credit is necessary for big life events like buying a home, refinancing, large purchases, and getting great interest rates on loans, credit cards, and much more. Finding the right company for credit repair in New York is daunting. Signing up with a company that does nothing but send out disputes typically yields poor results, but that’s what most credit repair companies do. Sending out disputes is something you can do yourself.

A “disputing service” is NOT what we offer at White Jacobs and Associates. Our process is on a completely different level.

Keep in mind that most companies offer traditional credit repair (the 100-bucks-a-month guys) for New York residents, but WJA offers an aggressive alternative to traditional credit repair that includes an investigative research team and a personal credit analyst (for you). Everything we do is personalized to your credit situation.

What’s on your credit report?

We have seen just about everything that can appear on your credit report. The most common are collections, charged-off accounts, late payments, repossessions, delinquent student loan payments, bankruptcy, foreclosures, inquiries, incorrect profile information, identify theft, and many more.

Any one of the items mentioned above, or a combination of them, can have a negative impact on your credit score. Our success rate in removing items from a report is outstanding, however, we never make assumptions. That’s why we offer a no-cost credit review so we can take a close look at your report and determine what we able to do.

Attorney-Managed Credit Repair New York

As we mentioned before, most credit repair companies are nothing more than a disputing service. White Jacobs and Associates takes a different approach. We combine three (3) components: 1) Your very own credit analyst to guide you from start to finish 2) customization and due diligence from our investigative research (IR) team 3) and specialized support to strengthen our audits in the latter parts of the process. The level of customization that we perform is unmatched. We’ve engineered our process around people who need to get approved for a mortgage. Naturally, this same process can help for other important financial goals and purchases.

It’s important that you understand how we operate fundamentally different than other companies. We are not like typical New York credit repair companies that use traditional methods (usually limited to sending out disputes).

So what’s our method?

We aggressively audit creditors by demanding that they show proof of their authorization to continue reporting these items on your credit report. More often than not, they can’t provide the proof, so they are required to remove the items. This is precisely why auditing is potentially much more effective than disputing. The experienced members of our investigative research team are crafting communication with creditors until the item is validated or removed.

How much time will it take to repair my credit?

Our program lasts a maximum of 6 months. Clients typically start to see results as soon as 45-60 days into the process. For a more personalized expectation, give us a call. We offer a free credit review and consultation.

Avoid the Scams. Get started with the real deal.

If your credit score isn’t where it should be, it’s time to call in the professionals. You have financial goals, and your credit should be in top shape. You require an experienced company with a team of specialists to assist with creditors. Generic dispute letters won’t suffice. We understand the complexities of New York credit repair, and our mission is to help you regain your buying power.

We really do want to see you succeed. Let’s get the conversation started.

Local Resources : Consumer Laws

• FCRA (Fair Credit Reporting Act)
• FDCPA (Fair Debt Collection Practices Act)
• FACTA (Fair and Accurate Credit Transaction Act)
• HIPAA (Health Information Portability and Accountability Act)
• E OSCAR (Online Solution for Complete and Accurate Reporting)