Tennessee Credit Repair

Tennessee’s natural beauty, soulful music, and Southern hospitality are unmatched. But so are the major risks associated with living in the Volunteer State such as dangers of hail, storms and other unpredictable weather changes. This means that making the most of living in Tennessee often requires a healthy credit score, and one that will make you resilient in the face of potential mishaps and adversity. Tennessee credit repair may be the option you’ve been looking for.

The bad news is that poor credit scores affect millions of Americans, leaving them prone to higher interest rates and lower chances to get loan approval. The good news is that poor credit history does not always equal an insecure financial future. We exist to prove that. Our team of credit repair specialists will help you repair and improve your credit score today so you don’t have to worry about your finances tomorrow.

Why has my credit score gone down and is it possible to fix it?

Among the most common causes of poor credit rating are late payments, bankruptcy filings, charge-offs, incorrect profile information, late payments, foreclosures, fraud, and identity theft. Sometimes these negative items appear on your credit report as a result of an error made by the credit bureaus. In such cases, credit repair is not only possible but absolutely necessary to prevent unfair reporting that impacts your financial life.

Forget the one-size-fits-all approach to improving credit score

Our journey began because traditional approaches to credit repair ceased to work. We knew that there must be a better way to improve a negative credit score than on-going generic disputes that take an indefinite amount of time and still cost a fortune. That is why White, Jacobs and Associates was born. We created our business to fill the gap in the industry by providing legal and time-efficient credit repair services that support you throughout your entire journey to financial freedom.

Credit repair services in Tennessee with a difference

What sets us apart from other credit repair services in Tennessee is, to put it simply, you. The generic dispute letters that most of our competitors rely on to do credit repair simply don’t work for us. Why? First and foremost, because we’ve been in the industry long enough to know that these don’t work for you.

We know that each credit case is unique and therefore requires a unique approach. So instead of the traditional method of sending out automatic dispute letters each month, we offer a tailored approach to credit repair in Tennessee that is best suited to you and your unique situation. Our strategic 4-round process is designed to ensure quick and effective results and the WJA team is equipped with everything needed to achieve them.

So what’s special about our 4-round process?

Disputes vs Original Credit Audits

We don’t take any shortcuts. That’s why our process is so effective – we don’t just send routine dispute letters indefinitely, we audit through a 4-round process that gets to the root of the problem and resolves it.

Each of these rounds is designed to put more pressure on creditors to show us the evidence that they have the right to legally report negative items to the credit bureaus. Given that they can’t provide the proof, is it their legal obligation to remove the items from the report. Once the incorrect items are removed, they are removed for good. All of this happens within a set timeframe so you restore your buying power as soon as possible.

How WJA improves negative credit score in Tennessee in a nutshell

Albeit complex, our process boils down to three essential elements. Firstly, you will be paired with a credit analyst who will evaluate your credit report, set clear expectations and make sure that you are kept in the loop throughout the whole process. Once the credit expert has examined your case, our investigative research (IR) team comes in.

During each round of our process, the IR team reviews the responses from creditors and then replies accordingly. That’s why we ask our clients to forward all postal mail to our office. Our IR team reviews that mail in detail to craft the best response for the subsequent round. We know all the stall statistics. And we know precisely how to counteract them. This is yet another reason you benefit tremendously from our process compared to DYI Tennessee credit repair.

Is Tennessee credit repair legal?

Yes, credit repair practices are legal in Tennessee, as in most of the United States. There are consumer laws designed to protect you from inaccurate reporting, including 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, among others.

These laws ensure that if there are misleading or incorrect items added to your credit report, you have the right to dispute them. You could do it on your own and spend precious time disputing with each credit bureau that has the mistake but we exist so you don’t have to. What you can expect from us is an aggressive, legal, and strategic approach to credit repair that quickly gets results.

How long until I start to see results?

While we take great care in understanding the circumstances surrounding your negative credit score, we take even greater care in improving it in a timely manner. Our clients usually start seeing results as early as 45-60 days after entering the program. Depending on the situation, the whole process could take a maximum of 6 months. If it takes longer than that (and it usually doesn’t) we don’t charge you anything.

What’s the next step?

We’ve provided the essential information about credit repair in Tennessee to get you started but we know you still may have some questions left unanswered. That’s why we offer a free consultation with one of our credit analysts who will provide you with an honest overview of your credit situation and what to expect from the program. Even if you’re not a good fit for our program, we’ll gladly give you some credit coaching at no charge.

From examining your credit report through determining actions to executing them, the WJA team will guide you on your way back to financial stability and beyond.