Top Rated Credit Repair
Seattle, Washington

SEATTLE CREDIT SCORE REPAIR DONE RIGHT

Let’s face it — Seattle is in no admirable financial situation. The debt just keeps piling on and there’s no end in sight. The debt burden of $1.5 billion is something that should concern every Seattle taxpayer. There’s one way to stay on top of the worsening situation — get the credit repair Seattle and its citizens deserve.

You might be wondering how credit repair can help given the current economic climate. We’ll explain everything you need to know, but the gist of it is that you need to get your buying power back. And unless you’re sitting on a secret fortune, the best way to boost your buying power is through credit repair.

AGGRESSIVE ALTERNATIVE TO TRADITIONAL CREDIT REPAIR COMPANIES

We are White, Jacobs & Associates, and we do credit repair the only way that gets results — aggressively.

Most traditional companies offering credit repair in Seattle are too passive. And in this line of work, passive gets you nothing.

If you were ever in need of a credit repair company, you probably ran into these passive repair “specialists.” They tell you they’ll send a thousand dispute letters to try and get negative items off your credit reports. And they do it — but it doesn’t really matter even if they send a million because it’s a weak strategy.

We do things differently at White Jacobs & Associates. Our 4-stage process includes auditing your creditors and holding them accountable when needed. This is the strategy that delivers real results!

IS CREDIT REPAIR LEGAL?

Clients often worry when we talk about holding creditors and financial institutions accountable, but there’s no need for concern. Our credit repair services are fully compliant across the US, including Seattle.

Our company has an in-house investigative research team that handles all the details for you. They specialize in consumer protection laws and know what needs to be done to help those suffering from bad credit. These include:

• Fair Credit Reporting Act (FCRA)
• Fair Debt Collection Practices Act (FDCPA)
• Fair Credit Billing Act (FCBA)
• Fair and Accurate Credit Transactions Act (FACTA)
• HIPPA laws. 

These are just some of the laws pertaining to your rights as a consumer. That’s why you need someone with the expertise to advocate for you. Someone like White, Jacobs & Associates.

CAN I REPAIR MY CREDIT BY MYSELF?

Yes, you have all the rights to try and dispute the negative items yourself. Nowhere does it state that you must hire a professional credit repair company to do it for you.

However, just as we have experts to help you address bad credit, so do the financial institutions. Without specialized knowledge, fixing credit on your own can be challenging. Your creditors have teams focused on shutting down any disputes quickly.

While you’re technically allowed to repair your credit score on your own, it’s not recommended. You’ll end up wasting valuable time and facing rejection from financial institutions. Instead, seek help from a professional credit repair Seattle company that has the resources and expertise to secure the results you need.

HOW DOES OUR CREDIT REPAIR PROGRAM WORK?

At White, Jacobs & Associates, we don’t just send automated dispute letters. It’s an ineffective approach to the real issue at hand.

Less competent credit repair companies in Seattle rely on such a tactic because they don’t know any better. They spam the creditors with dispute letters, hoping one of them makes the mistake of not opening it. If they don’t respond within 30 days of receiving the letter, they have to remove the negative item. Suffice it to say that this never works — creditors have various methods to fight such spammy tactics.

And how does that look on your end? Well, you pay one monthly fee after another, the company keeps sending spam, and your credit score doesn’t get better. No results, no improvement, just wasting money on an amateurish service.

Our Seattle credit repair program relies on a team of professionals. A combination of an investigative research team and a team of expert credit analysts is at the core of our service. We employ our unique 4-round process to get you real and tangible results. And we’ll tell you how.

WHY OUR 4-ROUND PROCESS ACTUALLY WORKS

Our credit repair approach works because we dive in headfirst from day one. Once we receive your three credit reports (Experian, Equifax, and TransUnion), we immediately target your creditors. Our team of credit analysts and investigators addresses all relevant issues, including incorrect items, high credit balances, and any negative entries we can legally challenge.

We don’t just send out dispute letters; we also audit your creditors. We demand they prove they had the right to report the negative items. Often, they can’t provide the necessary proof, which means they are required to remove the negative items from your credit report.

During the first round, if creditors contact you to validate negative items, ignore them and let us handle all communication.

In the second round, we make disputes and audits more specific. Creditors may try to have you validate items again, but with our team managing everything, you don’t have to worry.

If creditors are uncooperative, our in-house investigative team takes a more aggressive approach in the third phase. They gather information and handle all communication, making it increasingly inconvenient for creditors not to remove negative items.

If needed, we move to the fourth stage, addressing issues with the E-Oscar software used in credit reporting. This software, used by collection agencies to interact with credit bureaus, is often a source of errors.

Beyond our 4-round process, we tailor our approach to each client’s unique needs. No two situations are the same, and our focus on personalization is why our credit repair services achieve significant results.

HOW LONG DOES THE PROCESS LAST?

Unlike other credit repair companies, we don’t just send dispute letters month after month, charging you fees all the while.

After our credit analyst goes through your credit report, they’ll give you a time window when you can expect to see results. Typically, our clients begin to see improvements in 45-60 days after we initiate the process.

Sometimes, our clients see their credit score improve earlier than that. Our credit repair service last a maximum of six months.

We know that our clients are often in a hurry to get their credit scores back on track. That’s why we work as fast as possible, and never give you false hope. The credit analyst we assign to you at your initial credit repair consultation will give you their honest opinion about what your chances are. We don’t want to waste anyone’s time.

A DIFFERENT SEATTLE CREDIT REPAIR COMPANY

White, Jacobs & Associates can help you get your credit score back up. There’s no time to lose — the sooner we initiate the process, the faster you’ll get your buying power back. We can help you with that, as well as show you a thing or two about maintaining a healthy credit score.

Talk to us today and get a free consultation with one of our credit analysts. It’s time you take control of your financial situation and get the best Seattle credit repair.