Top Rated Credit Repair
Portland, Oregon

Credit Repair Portland Oregon

There’s no use beating around the bush — economically, Portland is going down a bad route. The industry of Rip City is still going strong, but you’re not getting your fair share of the wealth — the housing market is shrinking and the cost of daily living is rapidly increasing. You need to deal with it before the situation gets worse and that is why White, Jacobs and Associates offers the credit repair Portland deserves.

You need every advantage you can get to stay afloat. Your credit score could be the make-it-or-break-factor for your continued financial stability. 

Your score impacts every facet of your financial life in the city. First and foremost, it determines whether you will get the loan you need or not. Not only that, it determines the interest rates you get, and can even impact your ability to lease an apartment and your employment situation. We are here to offer assistance.

What WJA Can Do For You

We improve your credit score with our unique 4-round process. Unlike outdated methods that have been ineffective for the past two decades, our approach is tailored to meet the demands of modern times with innovative solutions.

White, Jacobs and Associates audits your creditors with the expertise of our investigative research team and applies consistent pressure from day one. That is why our Portland credit repair services are the best.

How We Do Credit Repair in Portland, Oregon

We improve your credit through a two-step approach. First, you’ll be assigned a personal credit analyst who will thoroughly review your credit reports and identify actionable steps for improvement.

They will be your primary contact and will keep you informed throughout the process. Our services are customized to your specific situation and will adapt based on how things progress.

The first step is to add positive credit to your reports. While you’ll mainly handle this, we’ll guide you through. This means showing potential creditors that you repay borrowed money reliably, which involves taking out and repaying loans on time. A WJA credit expert will offer ongoing instructions and expertise.

Second step is our responsibility – removing all possible negative items from your reports. This is where our unique 4-round process comes in. Each round involves detailed and intense disputes and audits aimed at deleting negative entries that can be removed. We don’t let up the pressure until we are satisfied with the results.

After each round, creditors will contact you within a few days. Some items may be removed, but not all. Forward all communications to us so we can track removals and adjust our approach.

The first two rounds might resolve the issue, but if not, the last two are designed for the most persistent creditors. Starting with the third round, our team handles communication and ensures creditors meet their obligations, preparing for further action if needed.

The final round focuses on cleanup and checking the E-Oscar system for any glitches. No other Portland credit repair company is as thorough as us.

We get results by being strategic and showing we mean business. Creditors often ignore individuals because they lack the resources to challenge every issue and take further action. That’s why our approach delivers the credit repair Portland deserves.

How Long Does Credit Repair Portland Take?

If you hire credit repair companies in Oregon that just care about getting your money, credit repair can take a long time. They will charge you for sending generic dispute letters for as long as you are willing to pay. 

With us, you’ll get a clear timeframe for when to expect progress. Typically, you can start to see results in as little as 45-60 days into the program. Our program is designed to last up to 6 months.

Why We Audit

You may often hear about dispute letters, but we emphasize audits for a reason. Unlike most Portland credit repair services, we include them in our process. This is just one of the many things that set WJA apart. Inaccurate and outdated information should not be on your reports. When you dispute a negative entry, you assert that it falls into one of these categories.

If your claim is accurate, the items should be removed. However, it is up to the creditors to determine the accuracy, relying on their fairness and competence to do so correctly. Unfortunately, this often isn’t the case. When you hire another company that continually sends dispute letters, they are essentially relying on your creditors to be fair.

Those are not the services WJA provides. When we conduct an audit, we demand that creditors send us all relevant information justifying their reported items. This is information you have a right to access. Then, the ball is in our court, and we take the initiative. If we find that a negative entry is unfairly reported, the creditors are obligated to remove it or face legal repercussions.

How Is Your Credit Score Calculated?

In essence, your credit score represents your financial history. The creditors report your interactions to the credit bureaus (Experian, Equifax, and TransUnion) who compile them into a credit report. Your credit score is the numerical value you are assigned based on the reports, which is supposed to show how responsible you are with your finances.

It is the balance between the positive and negative credit you have accumulated. You get positive credit by borrowing money, handling it responsibly, and returning it on time. Two things can increase your score – installment credit and revolving credit.

Installment credit is the loan you pay back in fixed installments. Mortgages and student loans are common examples. Revolving credit is your credit cards and credit lines. You have a maximum amount you can borrow – within that range you make some charges and pay them off when you can, and you can take the money out again; thus, it revolves. Responsibly handling these types of credit can increase your score.

Negative items that lower your score can be almost anything: medical collections, foreclosures, student debts, unpaid bills, bankruptcies, etc. Any loan that you have taken out but have not repaid in time. Even applying for too many loans too quickly will lower your score.

Let’s Discuss How We Can Help You

We’re not miracle workers and don’t claim to be. Some issues can be resolved, while others cannot. Contact us to arrange a free consultation. Once we understand your situation, we will let you know what you can expect from our services and the timeline for those expectations.

At WJA, we don’t talk tall and make you waste money. We back up our words with results. That is the only kind of credit repair Portland Oregon deserves.