Top Rated Credit Repair
Tulsa, Oklahoma

Even with the economy still feeling the effects of the pandemic, Tulsa, Oklahoma, has a lot going for it. Forbes Magazine ranked the city as the fourth-best housing market in America. That makes the city attractive for budding homeowners. And White, Jacobs and Associates is primed and ready to offer credit repair in Tulsa for all of those thinking of making the big step of buying a home.

Credit repair in Tulsa is also vital for all of those thinking of taking out a loan, applying for a job, a new car, or something else that marks a massive change in one’s life. At WJA, we repair your credit by fixing your credit score. Your credit rating significantly impacts what loans you can take out and the interest rates you get for them. A few points up and down doesn’t sound like a lot, but they can make a difference of a few thousand dollars in your bank account.

WJA is Not a Traditional Tulsa Credit Repair Company

White, Jacobs and Associates provides help when you’re dealing with a poor credit score in these turbulent times.

We’re not judging anyone who suffers from bad credit. The reasons why you landed where you have can be numerous – one hasty decision on your part, a tragic event, or a software error made by one of the three major U.S. bureaus. Or maybe all three at once happened.

No matter your circumstances, we conduct a comprehensive review of your credit and apply our dynamic and alternative strategy for recovery. Our proven 4-round process is designed to get you back on track. While addressing questionable items on your credit report, we also guide you on maintaining long-term credit health for improvement.

Traditional credit repair in Tulsa operates based on sending out dispute letters to creditors and nothing more. At WJA, we take our job and your situation seriously – we fight hard to give you your financial freedom back.

What is an Average Credit Score?

A credit score is a numerical value in your credit report that tells creditors and potential lenders how financially responsible you are. It’s graded in the 300-850 range, with 300 as the lowest possible credit score and 850 as the maximum. You should strive for a credit score of 660 and up.

How are these scores calculated? Typically, the bureaus (Experian, Equifax, and TransUnion) use FICO and VantageScore scoring models to get that number. Oklahoma’s average credit rating was 690 in 2020, so competition is stiff when taking out loans and getting favorable interest rates.

Before applying for a loan in Tulsa, you should reach out to us. We’ll help improve your credit score and get you ready for that loan.

The 4-Round Credit Repair Process in Tulsa, Oklahoma

As we have said, traditional companies begin and stop their process of disputing items in your credit report. That is just a fraction of our process, and even that we do more thoroughly than the rest of them.

We start with a detailed conversation, reviewing your report together to identify questionable items for dispute and audit. Then, we create a personalized credit restoration plan. Only after that do we send dispute letters to creditors and bureaus. Upon receiving their typically inadequate responses, we intensify our efforts by conducting audits and demanding proof that they have the right to report those items on your credit report.

Often, these financial players don’t have the right to report those entries, so they are forced to erase them from your credit balance. The outcome of this is your credit score climbing up.

None of this would be possible without our expert in-house investigative research team joining in during our 4-Round process. They have a deep understanding of consumer rights and know how to effectively remind lenders of their obligations.

Audits vs. Disputes

Audits are conducted faster, so it won’t take long for you to see results from our credit repair process. And as explained, they yield more results. We don’t just ask nicely in dispute letters that they remove negative items from your credit report. No, we want creditors to hand over proof that they are right about forwarding these questionable items to credit bureaus.

If that doesn’t work, we challenge them based on their software to conduct business. Software is prone to errors, and we are diligent about pursuing the matter until the end and finding out if the software made a mistake.

Is Credit Repair Legal in Tulsa, OK?

Our investigative research team and experienced credit analysts take a proactive approach because they understand the guidelines and are knowledgeable about consumer right laws.

The U.S. legal system has a slew of laws that protect consumers. Some of these laws 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.

You Are Just Six Months Away From Healthy Credit

Our process can take up to 6 months, but typically, clients start to see results within 45-60 days. Contact us today for a free consultation with our credit experts and begin your journey towards your dream home, student loan, or the car you’ve been thinking about. Reclaim your buying power with White, Jacobs, and Associates.