Top Rated Credit Repair
Philadelphia, Pennsylvania

CREDIT REPAIR PHILADELPHIA

Philadelphia is the city where freedom was born. Part of freedom is the freedom to be financially secure. A strong credit score will give you the buying power you need. Just about every credit repair company out there is nothing more than a “disputing service.” Why hire a company to do something you could do yourself? If you have negative items on your credit, you will benefit from speaking with a company that wants to understand your story. We don’t want to waste your money. If you’re not a good fit for our program, we’ll let you know upfront. Read on to learn more about why the WJA process is unique in the industry. And, take comfort in knowing that the best credit repair Philadelphia has to offer is here for you. White Jacobs and Associates is a diamond in the rough (you’ll understand why in a moment). Your digging has paid off.

Fixing credit on your own can take years. Staying on top of bills is important but it does not remove negative items on your credit report. Paying your collections doesn’t remove them from your report. You probably have misconceptions. Wouldn’t it be great to partner with a credit expert to guide you through the process of improving your credit?

Philadelphia is a national treasure, ranking in the top 10 U.S. metropolitan economies with many Fortune 500 companies. You are surrounded by wealth. A strong credit score is essential for taking full advantage of opportunities like buying a home, refinancing, purchasing a vehicle, making large purchases, securing good interest rates, and obtaining loans.

Bottom line: You need better credit, and you need something more than traditional disputing services.

Philadelphia Credit Scores

Philadelphia residents have one of the highest average debt in the country and a relatively low credit score. In fact, more than half of them have poor credit scores, which impacts their ability to secure loans of any kind.

Repairing a bad credit score doesn’t happen overnight, but reaching out to us is the first step. We offer a free consultation and detailed analysis to help you understand what you can do to improve your credit and work towards a higher score. Let us help you take the first step towards better credit today.

Why Hire a Credit Repair Company?

Your credit score influences the interest rates for your mortgage and other loans. A good credit rating can help you secure lower rates, as lenders assess risk based on your credit report. A strong financial history makes you a more appealing borrower and can save you significant money on repayment terms.

Credit repair services can help you resolve inaccuracies and entries from identity theft or fraud on your credit report. It will identify errors and provide accurate information. This helps make your credit report as accurate as possible.

Finally, employers may also take your credit history into consideration as part of the screening process. Don’t let your credit report stand in the way of landing a well-deserved job opportunity.

Apart from these most common reasons for procuring the services of a credit repair company, there are many other benefits of having a healthy credit score. Contact us today, and we will find the best solutions for you, taking into account your unique needs and situation. 

How do we compare with other Philadelphia credit repair companies?

Time-frame is a good place to start. Once we begin working on your credit, the entire process will take a maximum of six (6) months. We have clients that accomplish their goals within 2-3 months, but sometimes it does take the full 6 months. It just depends on your situation. In contrast, working with an “ongoing” credit repair service can take much longer.

Purchasing a house, car, or securing a loan is a top priority, so you need real results fast; not in a year or two. We work expediently to delete the negative/inaccurate items from your credit report. We also coach you on building positive credit.

Equally important is our one-of-a-kind process. We do things differently than 99% of the companies out there. Most of them charge a monthly fee for sending dispute letters to the credit bureaus. PLEASE BEWARE. The credit bureaus will add “in dispute” remarks on your credit report preventing you from making major purchases like buying a home. You won’t have to worry about dispute marks with our company.

When it comes to credit repair in Philadelphia, you won’t find a more aggressive company. Our mission is strong and resolute. Read about it here. Our personal credit analysts and investigative research (IR) team are skilled professionals ready to provide the support you need to improve your credit. Our focus is on helping you regain your buying power. Call us today for a free evaluation and start your path to better credit.

CREDIT REPAIR GAME-CHANGER. DISPUTING VS AUDITING

One of the differences between WJA and amateur companies is that we take the time and effort to actually AUDIT creditors and demand that they show documentation that allows them to report these items on your credit. In other words, we use our attorney-managed audits to go beyond simply the typical dispute routine that other companies take. That is why auditing is often times more impactful than disputing, and you receive that level of diligence by being a WJA client. Audits are performed by a team of investigative researchers that correspond with creditors through four (4) rounds of a system we’ve engineered from scratch. We don’t know any other company that does credit repair the way we do it.

WHAT’S SHOWING ON YOUR CREDIT REPORT?

If it’s on your credit report, we’ve probably seen it before. The most common items are collections, charge-offs (delinquent credit card balances), late payments, repossessions, late student loan payments, bankruptcies, foreclosures, inquiries, incorrect profile information (with the credit bureaus), and identify theft. But there are many more.

Do any of those look familiar? If so, we’d love to take a closer look at a tri-merge credit report to determine what level of success you could obtain by working with us. Even if you aren’t a good candidate for the program, we can point you in the right direction. You have nothing to lose. We’re easy to talk to.

How Long Does Credit Repair Take?

This depends on several factors, and it is impossible for us to provide you with a straight answer before we’ve had the chance to get some insight into your situation through an initial consultation and analysis. Still, as mentioned before, the entire process will take a maximum of six (6) months.

Further, depending on your individual goals and needs, as well as the existing negative items in your credit report and outstanding debts, the process can come to completion within a significantly shorter period.

That being said, you are likely to start seeing some improvements within the first 1 to 2 months of our cooperation.

Can You Guarantee Results?

Credit repair companies are not allowed to guarantee results by law. However, we can provide you with testimonies of numerous satisfied past clients, as well as many positive reviews as an argument in favor of our efficiency and commitment.

We consider our reputation to be one of our most valuable assets and continuously work on maintaining it by providing our clients with credit repair services tailored to their unique needs. Our process is entirely customized to your individual situation and based on our belief that the client should always be in the center of the process.

Your success and positive experience with us is the driving force behind all our efforts, as there is no better proof of great results and the quality of our services than satisfied clients.