Top Rated Credit Repair
Mesquite TX, Texas

Residents of Mesquite TX count on low interest rates on their loans for most of their purchases. After all, that’s the quickest path to home or car ownership in the US. But financial mistakes and miscalculations do happen, unfortunately, hampering your ability to get a decent loan. Luckily, you can finally get credit repair Mesquite TX residents deserve.

Need Help with Credit Repair?

You’ve come to the right place.

We are White, Jacobs and Associates, a credit repair company that takes credit score improvement to a whole new level.

You may have already put your faith in a local Mesquite credit repair company such as 700 Plus Credit to no results. 

There are too many credit repair companies that guarantee they’ll fix your credit score in no time. Their plan? To annoy your creditors by burying them in automated dispute letters.

Simply put, it’s an ineffective strategy. In fact, it’s not a strategy at all.

At WJA, we handle every client matter with the utmost aggression and thoroughness. We’re just as tired of all the fake credit repair companies as you are. If you want to see real results, talk to us.

What Is Credit Repair?

Credit repair is the process of removing inaccurate or old negative items from your credit reports.

Negative items reduce your total credit score, which leads to less buying power and a generally unfavorable financial situation.

It’s crucial to understand that credit repair companies have limitations. For instance, a missed loan payment significantly impacts your credit score, and there’s no alternative solution besides diligently making those payments. There may be no further solutions available.

Credit repair concerns itself with accounts open under your name that you didn’t open yourself or debts that you don’t own. That’s in the realm of possibilities, and it’s entirely legal to try and remove such items from your credit reports.

Why Do You Need an Excellent Credit Score Rating?

You might be wondering why you need to improve your credit score. It’s possible you have a Fair or even Good credit rating. But did you know that there are Very Good and Excellent ratings above those two?

Say you want a home loan, or need the money to start your own business. You go to a financial institution and talk to them about getting a loan. They’ll look at your credit score to determine if you’re trustworthy, or as they say, creditworthy.

If they find a lot of negative items and missed payments on your credit reports, they might reject your home loan application. But even if they do approve it, they can give you such a poor interest rate that you’ll be paying them back more than you should.

The bottom line is, a high credit score is crucial for not just getting a loan, but also a fair interest rate on that loan. You should strive to keep improving your credit score as much as possible. Don’t settle for less.

Credit Repair WJA Way in Mesquite, TX

You’re probably wondering what’s so different about our approach to credit repair. If credit repair companies are so inefficient, what makes WJA so stand out? Why should the citizens of Mesquite TX put their faith in us?

It’s a fair question that we often hear. And yes, other companies often fail where we succeed. They just send automated dispute letters and collect your monthly fee.

Our secret involves expert credit analysts and an incredible investigative research team that builds strategies and pursues action on your behalf. We don’t just sit on our hands and hope that your credit score gets better and you get an amazing home loan.

We believe in an aggressive approach — we audit your creditors to ensure that they had the right to report some negative item in the first place. As it turns out, they usually didn’t and then they have to remove it.

When necessary, our team of experts build a comprehensive strategy against your creditors if we believe your rights as a consumer have been violated. Yes, there’s a group of laws that guarantee you certain rights as a consumer. If there’s been a breach, we’ll find it and use it to your advantage.

Now, many of our clients feel like that’s taking things a bit too far. They get uneasy at the thought of taking a more assertive approach, often wondering if it’s necessary. Simply put — it is. Some financial institutions just refuse to cooperate at all. As an individual, it would be incredibly difficult to challenge them on your own, even though the system allows it.

And you shouldn’t worry about the process — our team will handle everything for you from day one.

Get in Touch with Us to Improve Your Credit Score

Don’t wait for a miracle to happen. You need experts who know how to fix credit, and you need them now.

You can speak with one of our experts for free. They’ll assess your situation and give you an estimate. We can also provide guidance on maintaining your credit score. Our credit analysts will develop a program to assist with improving your score. Additionally, we can give you an idea of when you might start to see progress.

Together, we’ll turn your plan for the future into reality. Get your buying power back with White, Jacobs and Associates.