Top Rated Credit Repair
McKinney, Texas

CREDIT REPAIR McKINNEY, TX – Designed to raise your credit score

McKinney, Texas, is known for its small-town comforts and charm, but how comforting and charming is your credit score? Plenty of companies out there extend traditional credit repair in McKinney. We label them the “100-bucks-a-month” plans, but White, Jacobs & Associates (WJA) introduces a new aggressive alternative to those inefficient credit repair methods. We offer a unique process tailored specifically for you – one that will yield strong results in minimal time.

We’re not like those other McKinney credit repair companies that insist on sending out basic dispute letters. Essentially, they’re running an automated process while taking your money each month. When it comes to our aggressive 4-round program, we ask for proof. We audit creditors and request they validate that they are permitted to report items on your credit report. To achieve such intensity, you need a diligent investigative research team and experienced credit analysts. At WJA, we have both. Read more about our team here.

Increase Your credit score for mortgage approval, refinancing, and car loans.

With a bad credit score, you could certainly be denied approval for your home or mortgage, refinancing, large purchases, and more. Further, you could be severely limited in your ability to secure a good interest rate on credit cards, loans, and various other financial investments. And these dollars add up. Even a small increase in your interest rates can cost you thousands over time. Your bad credit is holding you back. It’s quite costly.

Our 4-round system lasts 6 months – maximum. That said, it’s actually common for our clients to complete the process after only 3 months. On average, you’ll begin to see results in 30-45 days of the program. That kind of timeline turns heads. If you’re interested in what we could do for your specific situation, reach out today. You’ll receive a no-cost credit review and consultation. Your personal credit analyst will deliver a customized gameplan, and they’ll even give you a realistic timeframe.

Don’t hire a dispute company! Avoid the credit repair scams

Don’t pay a company to do what you could do yourself! You’ll meet with loads of credit repair companies that are behind the times. They send out some automated, generic dispute letters on your behalf, all while charging you a monthly fee. Don’t be fooled by their schemes. Indefinite payments, vague timelines – all in all, they have absolutely no urgency to yield results. Think about it. You’re a monthly installment, and the longer they keep you around, the more money they make. They’re NOT auditing creditors the way we do.

Restoring your credit can be complicated, and your situation is one-of-a-kind, requiring more than just automated solutions. Our dedicated research team carefully reviews responses from creditors and credit bureaus, ensuring precise and persistent follow-up. Unlike other companies, we have unique resources and expertise that set us apart. They simply can’t match our approach. Be wise about your credit. Rely on the skilled professionals.

Attorney-Managed Credit Repair in McKinney, TX. We do things right.

Our mission? To urgently seek answers, get results, and give clients their buying power back. The WJA aggressive alternative to credit repair is possible because of 3 main reasons:

A personal credit analyst handles your specific file – start to finish.

An investigative research team customizes responses during all 4 rounds of audits.

Rounds 3 and 4 are more aggressive, and we do more rounds if necessary.

If we see that you’re a good fit for our program, we’ll use consumer credit laws to rid your credit report of negative items and inaccurate information. Such laws include (but are not limited to) the following: the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transactions Act (FACTA), Fair Credit Billing Act (FCBA), and HIPPA laws.

We want to be clear. Here are the two ways to raise your credit score: 1) Remove the derogatory marks on your report, and 2) add positive lines of credit to your profile. We make it our goal to initially handle that first method. We delete every negative and inaccurate item possible. As for building credit, we leverage credit resources to include positive tradelines to your report. All of this can increase your score, and it’s the healthy, right way to do things. Don’t worry: we’ll coach you through it all.

Understanding your credit score. Do you really need help?

The average credit score falls between 600 and 750, but anything below 700 can make it difficult to purchase big-ticket items like a car or a home. Some lenders and creditors may choose to work with credit scores below 700, 600, and even as low as 500. But you can almost guarantee their rates will be higher. Someone with a good credit score won’t face these complications.

At WJA, we assist with all types of items reporting on your credit profile. We help with late payments, student loan issues, charge-offs (delinquent accounts), repossessions, bankruptcies, foreclosures, and identity theft, as well as both general and medical collections.

Planning on repairing credit yourself? Here’s what to expect…

If you’re willing to dedicate years of your life to the project of improving your own credit, perhaps you can see small changes over time. But be mindful of these misconceptions: paying bills on time doesn’t automatically remove negative items on your credit report, and paying collections doesn’t remove the collection either. A credit expert is what you need. They can guide you in the credit restoration process.

For years, people have placed their trust in companies like Credit Karma when it comes to an accurate credit score. But it’s not that simple. You get what you pay for really. Free resources often aren’t reliable. You can count on WJA to pull a FICO tri-merge report. We’ll note exactly which credit items are reporting on all of the bureaus: Equifax, TransUnion, and Experian.

The sooner your start, the sooner you can get on with your life

Talk with a professional credit analyst today. Your credit score is not what it could be, what it needs to be. Give us a call because you deserve buying power, and we’re a knowledgeable company with a dedicated research team ready to help you with those creditors who refuse to listen to the little guy. You require more than a generic “dispute service.” Honestly, 99% of credit repair companies are exactly that. WJA knows everything about McKinney credit repair, though. We’ll partner with you as you actively pursue both your short- and long-term financial goals.

Our unique process that makes different than 99% of credit repair companies out there. Learn more about it here.

We believe in a very high standard of client satisfaction. Click here to understand our mission.

Don’t take our word for it. Do your own research online. See client results & testimonials too.