Top Rated Credit Repair
Scottsdale, Arizona

Thinking of settling in Scottsdale, Arizona? With home appreciation up 26.7 in the past 12 months, we can’t blame you. But to settle in nicely, you need a good credit score that will deem you trustworthy to creditors and lenders. So, how do you fare against other Arizonians, credit-wise? The median credit score in the Grand Canyon State is 706, which falls into the ‘good’ credit balance category. If you’re lagging behind this number, White, Jacobs and Associates is at hand to provide expert credit repair in Scottsdale that will send your credit score on an upward spiral.

We help you get your buying power back through two methods – by erasing questionable negative entries from your credit report, and by teaching you how to add positive credit points to your balance in the future.

What Causes Bad Credit?

There are many causes for a poor credit balance. Perhaps your credit utilization ratio is too high? Maybe you missed a payment? Or perhaps it’s a factor outside of your control – you were a victim of identity theft, or you fell on some hard times due to the coronavirus pandemic? Your poor credit score may even be partly caused by a mistake made by one of the three major credit bureaus – Equifax, TransUnion, and Experian. It could be that they made an error when reporting on your credit reports.

Be wary of these situations, since even a few points off your credit score can make a ton of difference on your future – a low credit point can put you just a few points under the ‘good’ credit score category and can spell out rejection from possible lenders, landlords and employers.

What is Credit Repair?

Credit repair means adding positive credit points and removing negative ones from your credit balance.

You can partially fix your credit score yourself, by applying some advice on more responsible financial behavior. But there are financial entries in your credit balance that you probably can’t fix without the help from professional credit repair Scottsdale companies. And these are not that easy to come by. That’s where White, Jacobs and Associates comes in.

Custom Plan for Your Credit Repair

At White, Jacobs and Associates, we tackle different causes of bad credit score, such as:

● Late payments
● Charge-offs
● Foreclosures
● Medical Collections
● Bankruptcy
● And many more.

Each person’s situation is different. That is why WJA forgoes traditional credit repair methods that begin and stop at sending automated dispute letters to collection agencies. Such methods rarely bring results, or worse, they give you false hope – you will see your credit score temporarily improve, just to take another plunge. Those tactics just drain you from your hard-earned money, since traditional credit repair Scottsdale companies charge around $100 a month.

White, Jacobs and Associates acts effectively from the get-go. When you schedule your free consultation with our credit analyst, they assess each negative item on your balance. If we can help your situation, they will create a personalized plan for your credit repair.

That plan has two directions. One is an action plan aimed to teach you how to add positive credit to your balance, while the other part – erasing negative entries – is our responsibility.

We don’t just send out dispute letters. WJA credit experts wait for responses on said dispute letters, then move to once again analyze your credit report and see what has been removed from it. The next phase involves our in-house investigative research team. Our team is well-versed in consumer rights, so it thoroughly examines the rights of bureaus to list those specific negative entries. If bureaus and collection agencies cannot conjure the proof that they have all the rights to report those negative items, we build a dispute against them. You can probably guess that this pushes them to remove the items that bring your credit score down.

WJA employs expertise, diligence and transparency that yield results and bring your credit score up.

Is Credit Repair Legal in Scottsdale?

Yes, it is. We perform fully legal actions that protect your consumer rights. Our team of experts know the consumer credit rights that can be used to remove negative entries from your credit score.

The laws they use to your advantage are: The 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.

Bring Up Your Score in Six Months

Or less! When we begin our process, some clients report improvements in just a short time, while the majority call us within 45-60 days to share the happy news of seeing their credit scores rise by more than just a few points.

Whichever your situation may be, the WJA alternative credit repair process takes a maximum of six months. That means that you are just half a year away from getting approved for that loan you were thinking about.

And we don’t sell false promises just to scam you out of your life’s earnings. When we assess your situation, we tell you if your credit score can be fixed. If it can, we lay out the action plan and keep you in the loop each step of the way.

Get Your Free Council Today

Your struggle is real and unique. That is why we handle each situation with care. At White, Jacobs and Associates we aim for long-term success. Book us today for a free consultation – you have nothing to lose. Find out why we provide effective credit repair in Scottsdale, Arizona.