Trusted credit repair in Michigan

From the Great Lakes to the top universities, there are many reasons Michigan makes a great state to live in! We all know, however, that getting the best out of living and raising a family in the Great Lakes State depends on many factors and having good credit happens to be a major one. That’s why you may be a good fit for the best credit repair Michigan has to offer.

Sometimes things happen out of the blue. An event – or a series of events – such as divorce, job loss, or medical emergencies can happen and affect your credit score.

Other times it’s unpredicted or negative factors such as late payments, bankruptcy filings, charge-offs, incorrect profile information, late payments, foreclosures, fraud, and identity theft. Happily, you don’t have to be stuck with bad credit forever due to one unfortunate decision or event that happened a long time ago.

White, Jacobs and Associates (WJA) has developed a unique approach to credit repair in Michigan that takes countless days and stress out of your plate. Our 4-round process has helped many people like you get back on their feet and live up to their financial goals!

What is an average credit score and why does it matter?

The two most popular credit-scoring models in the U.S. are the Fair Issac Corporation (FICO) and VantageScore, and they both range from 300 to 85. The average score depends on the model used and varies on a state-by-state basis but in 2021, the FICO average in Michigan was 719. Even if your score goes slightly below that average, you could still get approved for a loan.

Here comes the tricky part though. There is a substantial difference between getting a loan and getting a loan with good terms and your good credit score will determine which one of the two you’d get. People with excellent credit history are more likely to get approved for additional credit, lower interest rates, and other perks that can help them meet their financial goals.

New way to do credit repair in Michigan

Many people think that good credit is something that you either have or you don’t. But the truth is that a good credit score is something that you can build and that’s precisely where our expertise lies.

White, Jacobs and Associates has built a name for our aggressive alternative to traditional credit repair services and we stand by that name. Our core belief is that the old method of doing credit repair in Michigan – by sending a few dispute letters a month – should be left where it belongs: in history books.

So we came up with an alternative: a strategic, aggressive, and legal approach to Michigan credit repair tailored for you and your specific situation. We examine your credit reports, craft a game plan based on them, and audit your creditors in order to find out if they had the right to report a negative item. There are several stages to that process and each is designed to be more intense than the previous one. That’s why our process yields maximum results and all of it happens within a realistically set time frame so you know precisely when you can get your buying power back.

Why our process is so effective

At WJA, we are result-oriented. That’s why we don’t just send dispute letters but also aggressively audit your creditors to see if they legitimately reported a negative item. Right from the start, we pair you with a credit expert who goes through your credit report and comes up with an individual action plan. Then our investigative research (IR) team starts acting on it and goes after your creditors in full force. The IR team audits them and prepares custom letters demanding proof that they had the right to report the item. And if they can’t provide proof, they are legally obliged to remove it from your report.

Our aggressive process is highly effective while fully set within the confines of the law.

Is credit repair a legitimate process?

Credit repair is a perfectly legal, legitimate process. In fact, as a U.S. citizen, it is your right to dispute any misleading or incorrect items added to your credit report. There are consumer laws that exist to guarantee this right, including the 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, to name just a few.

When will I start seeing results?

Based on our previous clients’ experience, you should start seeing results within the first 45-60 days. In your first one-to-one consultation, your personal credit analyst will set a more precise timeline based on your specific circumstances.

The entire credit repair process in Michigan with us takes no more than 6 months. That’s because we don’t go round in circles sending a few dispute letters per month but follow a custom action plan and pursue your creditors until we see results. Even if the program happens to take longer (it rarely does!), you won’t be charged any extra costs.

Take a second to schedule a free consultation

If you want to find out more about the program and how it could work for you, reach out to schedule a free one-to-one call with one of our credit experts. It takes 5 seconds and might turn out to be one of the most important decisions you’ll ever take.

We know time is precious – both yours and ours – and will tell you straight up what you can expect from the program. Even if it’s not suitable for your situation, at least you’ll leave with some credit advice at no extra cost.

That is Michigan credit repair our way: transparent, aggressive, and innovative and it’s precisely how we racked up some many wins throughout the years!

Resources:
1. Average Credit Score by State