Top Rated Credit Repair
Sacramento, California

Fast Credit Repair Sacramento

The financial situation in Sacramento is far from perfect. And as it so often happens, the burden of the economy falls on the hardworking citizens of Sacramento. The more buying power you have, the faster the economy will recover. To that end, you need the fastest credit repair Sacramento has to offer. You need White, Jacobs and Associates.

With bad credit come high interest rates on loans (and in some cases, you won’t get approved without suitable credit scores). That means you’re basically giving away your hard-earned money to creditors and financial institutions. With Sacramento credit repair, you’ll be able to retain more of your cash and thus purchase more, becoming a crucial part of the city’s economic revival.

White, Jacobs and Associates — Credit Repair Services Sacramento

It’s time to stop letting the creditors and financial institutions get away with exorbitant interest rates. Their excuse? Your low credit rating, making you a “high-risk borrower.”

At White, Jacobs and Associates, we help our clients get their buying power back. No creditor will be able to rob you with extortionate interest rates once we’re through with the negative items on your credit reports.

If you’re looking for the best credit improvement companies around, look no further. We offer the efficient credit repair Sacramento deserves. That’s the reason we started this business in the first place. We were tired of all the fake Sacramento credit repair companies and their lazy automated dispute letter routine. They aren’t any better than the creditors gouging you with unreasonably high interest rates.

With White Jacobs Associates, you get aggressive and fast credit repair, which naturally yields results. Don’t let the creditors take you for a ride.

How Fast Can You Repair My Credit?

We keep telling you that we offer fast credit repair. But what does that really mean?

It means that once our credit analyst has reviewed your three-bureau credit report and determined that we can assist you (we’re transparent about what we can achieve for our clients), you’ll be part of our program for a defined period. At White Jacobs Associates, our program typically lasts a maximum of six months.

However, that’s just the maximum timeframe. Most of our clients begin to see results within 45-60 days after we initiate the credit repair process. In some cases, improvements on your credit reports may appear even sooner.

That’s simply the fastest (and most efficient) credit repair Sacramento can offer. Anyone who’s ever tried other credit repair companies will tell you it takes way longer than that to see real palpable results. If there are any results to be seen at all.

Credit Repair Sacramento — Why Are Other Companies So Slow?

Because it’s not in their best interest to fix your credit fast.

Most Sacramento credit repair companies want you to stay in the program for as long as you can afford them. They don’t really want to get fast results. No, they want you to pay your monthly dues while doing as little work themselves as possible.

They manage to prolong the process by sending automated dispute letters. That’s it. That’s all they do. Dispute letters are just not enough to get results on their own. But that’s all these “credit repair companies” do and then have the nerve to charge you a monthly fee for the “service.”

At White, Jacobs and Associates, you get a clear and finite time window when you can expect to see results. No endless monthly fees or hidden costs.

How Does Credit Repair Work

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

Negative items include late payments, collections, charge-offs, foreclosures, repossessions, judgments, bankruptcies, and more. Financial institutions report such items to the credit bureaus, who then gather all the data, put it on a credit report, and calculate your credit score.

Credit repair companies try to remove as many of the negative items as they can relying on a variety of methods.

Inaccurate items are usually the first to go. That’s why we take all three of your credit reports.

But an important part of the credit repair process is education too. Any decent company will help their clients by teaching them about managing their finances better. Adding positive credit is just as important as removing negative credit.

How Do You Get a Copy of My Credit Report?

You can get a copy of your credit report for free once every twelve months. That goes for all three major credit bureaus (Experian, Equifax, and Trans Union).

Go to Annual Credit Report and obtain credit reports from there. We’ll need copies of your credit reports before we can proceed with the credit repair. That’s the standard procedure for every credit repair Sacramento service.

Credit Repair Sacramento — Is It Legal?

Credit repair is 100% legal. People often wonder whether what we do is legal because they don’t understand that there is a whole subset of laws dedicated to their protection as a customer. You have every right to complain when there are incorrect or inaccurate items on their credit report. 

Some of the laws that mandate this include 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.

It’s also legal for you to try and repair your own credit. But we’d highly discourage you from doing that since creditors and financial institutions have entire teams that make it difficult for individuals to dispute negative items.

You need a team of your own if you’re going to get anywhere with credit score improvement.

Why Is Our Method So Effective?

First of all, unlike other Sacramento credit repair companies, we don’t just send automated dispute letters and call it a day.

Besides disputing negative items, we also audit your creditors. That means we check if they had the right to report some negative items in the first place. Oftentimes, they can’t provide the proof we ask for and are then obliged to remove the item.

We do ask for your assistance in sending over any postal mail that you receive from creditors and the credit bureaus. We need this correspondence in order to determine the best response. Your credit analyst will explain all this during the consultation.

Secondly, we have an in-house investigative research team that knows all the “stall tactics” when the bureaus or creditors don’t cooperate. They build the pressure against your creditors in an escalated process that often results in creditors backing down.

Finally, we customize the repair process to each and every one of our clients. No two situations are identical. These are just some of the things that make us the best credit repair Sacramento has.

Take Control of Your Finances

Talk to us today and get a free consultation with one of our expert credit analysts. It’s time to take control of your finances and get your buying power back with the help of the best credit repair Sacramento deserves — White, Jacobs and Associates!