Top Rated Credit Repair
Irving, Texas

CREDIT REPAIR IRVING, TX – Fast, Effective, and Reputable

Your home of Irving, Texas, is a gateway to the Dallas/Fort Worth area, but is your credit score a gateway to buying power and dreams come true? Nearly all the companies advertising traditional credit repair in Irving are offering what we call “100-bucks-a-month” programs. White, Jacobs & Associates (WJA) takes a different approach. We believe in our aggressive alternative: a unique process that sees strong results over a short period.

Unlike other Irving credit repair companies, we don’t just slowly send out generic dispute letters while collecting your monthly payment indefinitely. WJA realizes you need a customized plan, not a one-size-fits-all automated system. We audit creditors in an aggressive 4-round program, requesting they prove that they are allowed to report specific items on your credit report. To operate at this level of intensity, you need an investigative research team and experienced credit analysts. Here at WJA, we have both.

Better credit for better interest on a new home, refinance, or big purchase

A bad credit score leads to discouragement when you’re denied approval for a home or mortgage, a refinance, or a large purchase. You could even face limitations as you try to get a good interest rate on loans, credit cards, and other investments. The smallest of increases in interest rates makes a significant difference over time. You’re looking at thousands of dollars all because of poor credit. Your bad credit is costly all around.

We’ve designed a 4-round process that takes 6 months max. However, it’s actually common to see clients complete the program in only 3 to 4 months. When you’re seeing results in as few as 45-60 days with us, you’ll know you’ve made the right decision. If you’re interested in learning more about what to expect, given your particular situation, call us today. You’ll get a no-cost credit review and consultation. You’ll also meet one of our professional credit analysts who can explain your realistic timeline and the best path for you.

Disputes are Dead. Skip hiring a dispute company and get real credit repair.

Search Google, and you’ll be bombarded with hundreds of credit repair companies doing the same old thing. Here’s a rundown of their scheme: they pass along a few automated dispute letters here and there as they charge you an ongoing fee on a monthly basis, potentially, for years. To be frank, you could do this on your own. These companies aren’t offering anything special. To make matters worse, they have absolutely no urgency. They don’t want your bad credit improving in a timely manner. Give this some thought. The longer they keep you around, the longer they get to tap your bank account. They certainly DO NOT audit creditors the way we do during our refined process.

Credit restoration isn’t a road you want to walk alone. You don’t want to walk it with a mediocre company either. With our investigative research team, we have the ability to respond with precision when it comes to credit bureaus and creditors. WJA has the resources that other companies don’t. The 100-buck companies don’t have fully engaged in-house experts (like us) during the auditing process. It’s just not a smart financial move to put your future in the hands of those who are ill-equipped and still stuck doing things the old way.

How does it work? Why is WJA the best choice for credit repair in Irving?

The WJA aggressive alternative to traditional credit repair works like this:

Your personal credit analyst works with you throughout the entire program.

Our investigative research team crafts effective letters in Round 1 and Round 2 of the process.

Our 3rd and 4th rounds apply increased pressure based on the responses received from the first 2 rounds.

We place an emphasis on you and a customized plan that makes sense regarding your specific situation. The entire system is designed with urgency in mind. Your buying power matters. It’s our mission to help you get it back.

Once we determine you’re a good fit for the program, we look to consumer credit laws in an effort to delete negative and inaccurate items from your credit report. These laws include (but aren’t limited to): 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.

If you want to raise credit, two things must happen. 1) You must remove detracting marks on your report, and 2) you must add positive credit to your profile. At WJA, we handle the first method. We delete as many negative and inaccurate items as possible. Next, we coach you in adding positive trade-lines and building your credit. All of this can increase your score. And it’s the right, healthy way to go about it.

Raising credit scores begins with understanding your credit reports.

Average credit scores are between 600 and 750. But a credit score below 700 can potentially hurt you when it comes to your ability to make big purchases like home or auto. Of course, some lenders and creditors will work with scores below 700 and even below 500. It’s likely that you’ll have high-interest rates, though, if that’s the case. A good credit score earns you more financial freedom.

We assist with any type of item reporting on your credit. We can help with general collections, late payments, charge-offs (delinquent accounts), medical collections, student loans issues, repossessions, bankruptcies, foreclosures, identify theft, etc. We have experience in it all.

Fixing your credit score on your own?

Working to improve your own credit score can take forever. Years of your life pass as you see slow progress. Many believe that paying bills on time, as well as paying collections, removes all negative items on your report. But it’s simply not true. You require a credit expert as you seek credit restoration.

Some people trust free resources like Credit Karma, believing that they extend complete and accurate credit score information. It’s free for a reason, though. It’s not reliable. WJA requires a FICO tri-merge report to study exact credit items reported on all three bureaus: Equifax, TransUnion, and Experian.

We are easy to talk to. Let’s talk about your credit situation

Reach out today, and you’ll immediately speak with one of our professional credit analysts. Consider them your guide, partner, and friend. Your bad credit is weighing on you heavily, and it’s time for a change. Let White, Jacobs & Associates use our knowledge of the industry, our research team, and our experienced credit analysts to help. We’ll be your voice when creditors are no longer listening to you. Don’t settle for those dispute services that make up 99% of the credit repair companies out there. WJA knows the ins and outs of Irving credit repair, and we’ll work with you to achieve your personal financial goals.

What makes us better? Simple. It’s our process. Learn more about it here.

We believe in getting your buying power back. Click here to see our mission.

Our past clients have spoken. See client results & testimonials too.