Top Rated Credit Repair
Augusta, Georgia

As the second-largest city in Georgia, the cost of living in Augusta is appropriate to its size. Especially in the current economic climate, you need to make wise financial decisions just to stay afloat. Your credit score has a huge impact on your everyday life and long-term plans. The best credit repair Augusta offers should be done quickly and aggressively.

The reason for your poor credit is important and we want to hear your story, but please know that it can happen to anyone, and we are here to repair your score, not pass judgment. Often it is due to events that are out of your hands – a rough divorce, illness, job loss, or even a single bad decision you made a decade ago can make you have a bad score.

We Offer Alternative Repair Tactics

At White, Jacobs and Associates, we offer an alternative method of credit restoration. You could easily hire a credit repair company that will take all the standard steps, however, this is not only inefficient, but it also takes a long time, and you need your buying power back now. The other guys will send generic dispute letters and hope that the creditors sympathize (good luck with that).

We have developed a 4-round process that will repair your score as quickly as possible. Everything our repair experts do is backed by our experienced investigative research team. We will aggressively remove negative items and improve your score. If bad credit is holding you back from living the life you deserve in Augusta, WJA is here to help get it back on track.

What Affects Your Credit Score?

There is a multitude of things that can be considered negative items on your credit report. Outstanding loans, installment debts, bankruptcies, or even mistakes by the credit bureaus themselves affect your credit rating. We don’t believe any of these things should prevent you from getting good interest rates or taking out loans, which is why we will fight tooth-and-nail for your credit restoration.

How WJA Repairs Your Credit

Our 4-step process is designed to get the best results in the shortest amount of time possible. Off the bat, we will go after anything important on your report. Once we receive responses from creditors and bureaus, we will analyze what has been removed and go for the items that haven’t. During this time, the creditors are likely to contact you directly to validate those accounts, but we will coach you on how to handle that.

During this phase of disputes and audits, we engage our Investigative Research (IR) team to customize each round. We will continue removing items from the credit report until we’ve exhausted every avenue in your credit restoration journey. In case an alternative method is better suited for your specific situation, we will invest the time necessary, at no additional cost to you.

Research and Analysis

Every step of our process is backed by diligent and thorough research. Each situation and each persons’ credit history is unique, so you need a customized repair process to get the best results. The best credit repair Augusta offers must not be a generic, by-the-books procedure.

We will analyze each negative entry on your report and create a custom plan based on that. It doesn’t matter what the report contains – medical collections, late payments, repossessions, student loans, etc., we know how to handle it. Based on the analysis, we will decide which creditors and bureaus should be contacted first. We will also create an action plan on how you can add positive credit, while we remove negative entries.

The Effect of Audits vs Disputes

Most repair companies send non-specific dispute letters to the creditors and credit bureaus and hope for the best. This not only takes a lot of time, but is often ineffective. We take a hands-on approach and do specific audits.

We don’t ask the creditors for proof of their ability to report the negative items – we demand they show us. Quite often, the reason for your poor credit is due to a mistake on their part, so they are required to remove it from your report. That is the power of audits over disputes.

Is Credit Repair Legal in Augusta?

Absolutely. At WJA, we will never do anything to jeopardize your situation. We consult consumer laws in everything we do. There are a number of consumer credit laws that can be applied to delete items from your report.

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 can all be applicable to your situation, and we will employ each of them towards your credit repair.

How Long Does Credit Repair Take?

When you hire a standard credit repair company – a long time. At WJA, the entire process lasts a maximum of 6 months, but you are likely to start seeing results in the first 45-60 days of hiring us. Credit restoration services should not last for years. When you are making monthly payments to a credit repair company, it is in their best interest to keep you as a client for as long as possible.

We will give you a time-frame in which we’ll be able to restore your credit. You know what you get when you hire us – even if we can’t help you, we will be upfront about it. You won’t be making payments for years on end, further jeopardizing your financial situation.

We Fight To Get Your Buying Power Back

Your credit score can affect every segment of your life. Whether it’s getting a loan or a better interest rate, White, Jacobs and Associates is here to work on improving your situation aggressively. If sending generic dispute letters to bureaus and creditors is the only thing being done, you may as well do it yourself and save some money.

That is not what we do at WJA. The best credit repair Augusta provides needs to be done correctly. You deserve personal attention and a process tailor-made for the unique situation you are in. Our mission is to get your buying power back as quickly as possible.