Top Rated Credit Repair
Winston-Salem, North Carolina

Winston-Salem has something that we will all be searching for in the years to come – a comfortable climate and good air quality. Add to this mix an artsy scene that is felt all over the town, and you have a winning combo. Oh, lest we forget that the median home price is $152,000, a whopping 47% under the national average. So it’s no wonder if you are thinking about settling in more in this place. But to settle in properly, you need good credit repair in Winston-Salem, NC. And that is where White, Jacobs and Associates comes in.

A good credit score is a financial edge you need to get on your feet. From scoring your dream job, getting that mortgage for your new home, and getting the lease on the car you want – having a favorable credit score will make you seem more trustworthy to creditors and lenders.

What Makes Up a Credit Score?

Your credit score is the result of a complex algorithm that shows up on your credit report, which gives an overall picture of your financial history. Somewhat unfairly, it’s also viewed as a window to your financial responsibility. We say ‘unfairly’, because there are factors that just happen in life and are outside of your control. Medical bills, death of a loved one, a pandemic while you are in the middle of repaying a loan – you name it. But WJA knows that you are not entirely at fault if you have a bad credit score. You just need a good repair company by your side to help bring that number up.

According to the FICO credit scoring model, a bad credit score falls in the 300-579 range. To have a good credit score, you should aim in the 670-850 range, with 850 being the highest possible score.

FICO’s model focuses on five factors in a credit report:
● Payment history (35%): This factor tells if you have been making payments on time.
● Amounts owed (30%): The sum of credits and loans you’re using compared to your credit utilization rate.
● Length of credit history (15%): Self-explanatory, since it tells creditors and lenders the length of time you have had credit.
● New credit (10%): The factor that informs creditors and lenders how frequently you apply for and open new accounts.
● Credit mix (10%): Information on your credit cards, finance firm accounts, mortgage loans, installment loans, etc.

It’s evident that there are several places in these five categories where bad entries can sneak in and hurt your credit score. That’s why we fight hard for credit repair in Winston-Salem.

But What Exactly is Credit Repair?

Credit repair is the process of removing negative entries from a credit report, as well as the process of adding positive credit. That leads to a higher credit score and better buying power for individuals.

Credit bureaus are in charge of adding these items to your credit score. The three major bureaus in the U.S. are TransUnion, Equifax, and Experian. They collect data about your credit card utilization, your loans, bankruptcies, etc. This data is then calculated via credit scoring models, giving a number that we call your credit score.

At White, Jacobs and Associates, we execute processes (4 rounds to be exact) designed to help remove negative items from your report. Our credit repair service uses aggressive and alternative methods that yield results.

Credit Experts vs. Scam Companies

Traditional credit repair companies won’t do much to fix your life situation. They use outdated and ineffective methods. These mainly consist of sending out automated dispute letters to your creditors. Such companies stretch out their process for as long as possible because they charge you around 50 to 150 dollars a month. So their goal isn’t to solve your problem; it’s to make as much money as they can month after month.

At White, Jacobs and Associates, we see that approach as deceptive. We don’t just take your money and sit idly. Instead, we use a unique 4-round process that includes our in-house investigative research team. They go beyond simply sending disputes – our team actively pursues creditors and bureaus, holding them accountable for inaccurately reported negative entries on your report. We go as far as to audit them and gather compelling evidence to ensure accountability.

The WJA Credit Repair Method

We start by offering you a free consultation with one our expert credit analysts. We get down to business after we give you a fair assessment and timeframe of our process (which takes a maximum of six months).

We look at three credit reports and into every detail in them. Then, our process mentioned above of sending dispute letters and audits commences. Don’t be alarmed if you start getting calls from panicked creditors around this time. Resist the urge to communicate with them. They’re more than likely just trying to validate the accounts. Ask for them to keep all communication through postal mail.

In 45-60 days, you will probably already start to see improvements in your credit score. Some of our clients start to see substantial results within the first 2-3 months.

Are WJA Methods Legal?

Our in-house team of experts ensures that everything we do is within laws and regulations. The U.S. government has many laws that protect consumers, and our team is all well-versed in them. The rules in question 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.

Seeing how the Government already gave the public so many tools at disposal, it would be downright useless to hire a credit repair company that doesn’t use them to your advantage. So, WJA leverages laws that are already in place to get your buying power back.

Debt Management and Credit Counseling in Winston-Salem, NC

At White, Jacobs and Associates, we use everything in our might to help you get on your feet. We are the best in the field because we combine expertise with honesty – if your credit can’t be repaired, we will let you know right away. Get in touch with us today to find out why we’re the best credit repair Winston-Salem offers.