Top Rated Credit Repair
Austin, Texas

Credit Repair Austin, TX 

Are you struggling with bad credit that is holding you back from getting approved for a mortgage, refinance, a new vehicle, or loan? Or maybe you want to clean up your credit to enjoy the benefits of lower interest rates, stronger employment potential, and financial peace of mind. White, Jacobs and Associates (WJA) has engineered an aggressive alternative to traditional methods. We do credit repair Austin the right way – using our 4-round process that gets results in a short amount of time.

A special circumstance (or a combination of them) could have landed you with a low credit score. You’d be surprised at the stories we hear on a daily basis. Stories of job loss. Stories of medical emergencies. Stories of divorce. And sometimes it’s a slow and steady decline. Poor financial decisions or carelessness may be the cause.

Although it’s important to understand how you ended up where you are now – you should be focused on how to move forward and get your buying power back. That’s exactly our mission.

Is Credit Repair a Scam? We Legally Raise Your Credit Scores 

Consumer laws exist that protect YOU from unfair reporting. Specifically, these laws are: Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transactions Act (FACTA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Billing Act (FCBA), and HIPPA laws. When we look at your credit reports, our investigative research team will identify the best plan of action to work on your case. Everything we do is customized for YOU – and we leverage all of the laws mentioned above to get the job done.

We work to permanently delete the negative/inaccurate items on your credit report – such as collections, late payments, delinquent accounts (charge-offs), repossessions, bankruptcies, foreclosures, and more. We accomplish this by creating custom letters to the credit bureaus (Experian, TransUnion, Equifax). Not only that, but WJA also sends customized audits to your creditors from our highly trained investigative research (IR) specialists.

A Unique Approach to Credit Repair in Austin, TX. You Should Know how We Help our Clients

The vast majority of credit repair services send out a few dispute letters every month. These disputes are generic, automated, and do not work nearly as well as they did in the past. If you have some free time, you can send these out yourself instead of paying these companies a monthly fee. Check out how we compare with other popular companies.

That’s not what we do. And that’s good news because that method (disputing repeatedly) usually gets poor results. WJA’s process is the fastest credit repair Austin provides.

Personalized, Quick, and Unique Process to Help Improve Your Score 

Other companies have no urgency to get results. WE DO. You could spend a year or more with another company. The WJA program lasts a maximum of 6 months, and we frequently have clients finish much sooner. Other companies have no incentive to get results quickly. WE DO. Think about it. The longer you stay in their on-going monthly program, the more money they make!

Credit is complex. Using our investigative research team we quickly assess the best way to respond to get results. Other companies do not review the responses from creditors and respond with customized replies. WE DO. WJA combines repair with credit coaching, so even when you are no longer one of our clients, you will know how to come up with credit solutions on your own.

One point of contact. Your personal credit repair expert 

Other companies do not pair you with a credit analyst for the whole process. WE DO. Right from the start, you’ll work with a credit analyst to review your credit report and determine your level of potential success in the program. If you seem like a good candidate, they will explain the process in detail and set the right expectations. From then on, you can call them or email them anytime to get a status update. 

Even if you’re not a good fit for the program, your credit analyst will give you some credit coaching and point you in the right direction. The last thing we want is for you to sign up for our program if we don’t expect to have good results. That would be a waste of your money and a detriment to our reputation (which we are extremely proud of).

Duration – How long does credit repair take with WJA? 

The entire 4-round process lasts, at most, 6 months. Typically, you’ll begin seeing results in the first 45-60 days. From the start, we attack ALL of the relevant items on your credit report. After the First Round, we start getting responses from the credit bureaus and creditors. Our investigative research team will customize our responses for subsequent rounds based on the responses we receive. Generic credit repair services in TX won’t get you far. Read more about our process right here.

More than Austin credit repair 

WJA has assisted thousands of people looking for credit repair Austin, TX and can help you too. It doesn’t matter how you ended up with less-than-great credit. The question is: Are you ready to start your journey to better credit? WJA’s services are a great Austin credit repair alternative to the abundance of traditional companies that keep doing the same thing. They will treat you as just another one of their clients – to us, you are the client we need to help.

Please, don’t take our word for it, though. Take a moment to look at our reviews online (Google, Facebook, Yelp, TrustPilot, etc). Or take a look at some real results here on our site. Avoid scams and run-of-the-mill businesses. It’s time to put your credit situation in the hands of a team of experts with a history of getting results. Reach out to us today for a no-cost credit review and consultation.

Local Resources: Consumer Laws 

Austin Texas Real Estate – Your Austin Specialist

This site is a valuable resource for information on Austin Metro real estate and homes for sale.

• 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)