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in Washington

Credit repair in Washington

Washington has rightfully been nicknamed The Evergreen State but that doesn’t necessarily mean that your buying power is equally evergreen, especially not without good credit.

All too often, things don’t turn out the way you’d planned. Unexpected events such as divorce, job loss, or medical emergencies can all take a toll on your credit score.

And while it’s important to take the time to understand the factors that got you a less-than-stellar credit score, it’s even more important to use that information to secure your financial future. Our 4-round process is designed to help you achieve precisely that.

What is the average credit score in Washington?

There are two widely used credit scoring models in the U.S – FICO and VantageScore – both of which range from 300 to 850. The average score looks different for each state and city, but for Washington State residents it was 734 in 2021. Even if your score is lower than the average, it doesn’t automatically mean that you won’t get approved for a home loan. Rather, it means that you won’t get the terms you deserve.

That’s because the higher your score, the higher your chances of getting better terms and lower interest rates. Even a few points higher can make a substantial financial difference in the long run. You need the keen and discerning eye of a team of credit experts to review your credit report before applying for a loan. Maximizing your score will maximize your buying power.

Why our clients in Washington trust us

You may be victim of a poor credit score due to common derogatory accounts: late payments, bankruptcy filings, charge-offs, incorrect profile information, late payments, foreclosures, fraud, and identity theft. If any of these appear on your credit report – we want to hear what happened. We need to understand the details because we approach each case in a customized way.

Most credit repair services won’t do that. They send out a few generic disputes for around $100 a month. It’s a seemingly quick and cheap way to ‘fix’ poor credit. The problem is that without a set time frame, they have no incentive to get you results quickly. That’s how a ‘month-to-month’ company makes money. It’s a method that is highly effective for them, not for you. Not to mention that you are paying them for something that you could do on your own!

We have a different way of doing things at WJA. We will give you an honest overview of YOUR situation and the level of success you can expect from the program. But please don’t just take our word for it. See what some of our past clients have to say about our individual approach to credit repair or look at some of our reviews online (Facebook, Google, TrustPilot, etc).

What sets us apart from other credit repair companies in Washington

Credit is an important part of your financial power. Whether you want to buy a new car, get approved for a mortgage, or simply want to be better prepared for the future, you need healthy credit as soon as possible. That’s why we always set expectations, establish a time frame, and keep you in the loop throughout.

From the start, we pair you with one of our credit analysts. They go through your credit reports and educate you, in-depth, on details of your situation. If it makes sense to put you through our restoration program, we’ll explain that process clearly. As soon as you start, our investigative research team will then come up with a step-by-step action plan tailored for you.

Our Investigative Research department follow the plan and go after your creditors until they show proof that they have the right to include the negative items in your report. Other companies would just send an automated dispute letter once in a while. Our team goes through the latest correspondence and comes up with a customised reply. We don’t just go round in circles. We go to the root of the problem.

No one wants to waste money. If we don’t feel that we can attain significant results, we’ll let you know. In the event that you’re not a good fit for our program, we’ll give you some recommendations at no cost. It’s a win-win situation for you.

What makes our 4-round process so efficient?

Our mission is to get you back on track as quickly as possible and our 4-process does just that. Gone are the days when sending routine (and often automated) dispute letters brought any sufficient results. That is why we don’t just dispute. We audit your creditors directly, too.

Or to put it another way, at WJA, we don’t ask your creditors to remove the negative item from your report, but rather demand proof that they had the right to send it to the bureaus in the first place. If they have made a mistake – which is often the case – they are required to remove the item from your report. Traditional credit repair and do-it-yourself credit repair will rarely get you that far.

Is credit repair legal in Washington?

Absolutely! There are consumer laws that guarantee your right to dispute items that were unfairly added to your report. These laws are Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transactions Act (FACTA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Billing Act (FCBA), and HIPPA laws, to name just a few.

How long does WJA’s Washington credit repair program take?

Most of our clients start reporting results within the first 45-60 days. The reason for this delay has to do with the laws that give credit reporting entities a resonable amount of time to respond. Our clients are advised to forward all correspondence to our office to ensure we are prepared with the most relevant response for the subsequent round.

The entire process takes no more than 6 months. In rare situations when it takes longer than that, we don’t charge for the additional work involved.

Schedule a free one-to-one consultation with us

We want to hear your story and determine how our services can best help you take control of your life. During your one-to-one consultation with one of our credit experts, you will get specific answers for your situation and what you can expect from the program.

Even if it turns out that the program is not suitable for you, you’ll get some expert credit advice at no cost. Or it may turn out to be the first step towards a better financial future!