Understand & Improve
Your Credit
Not Sure What's Hurting Your Credit? Learn What to Fix and Why
Get a FREE 1-on-1 credit evaluation and customized guidance!
How the Credit Restoration Process Works
A clear, compliant path to improving your credit profile
Review reports
We begin by pulling and analyzing your credit reports from all three bureaus to identify inaccurate, outdated, or unverifiable information that may be impacting your score.
Dispute/Audit Questionable Items
Based on what’s identified, we prepare and submit Metro-2 disputes & investigations on your behalf, holding creditors and bureaus accountable to report accurate, verifiable information.
Build Positive Credit Habits
While disputes and audits are in progress, we guide you on responsible credit actions—such as payment behavior and utilization—that support long-term, organic score improvement.
Track Progress & Stay Informed
You’ll be able to monitor changes, receive timely updates, and understand what’s happening at every stage of the process.
If questions or concerns arise, our in-house Client Services team is always available to support you.
Services are educational and supportive in nature. Results vary based on individual credit profiles and bureau responses.
Real Credit Situations We Help With
Late Payments & Collections
Credit Education
Charge-Offs & Past Due Accounts
Credit Review
Identify Errors & Inaccurate Reporting
Credit File Analysis
Preparing for Major Financial Goals
Credit Planning
Credit Education & Support Services
Designed to help you understand your credit and make informed decisions, without pressure or obligation.
Credit Review and Education
We start by reviewing your credit information and helping you understand what’s being reported, what may be impacting your credit, and how the credit system works.
Credit File Analysis
We assist with identifying information that may be inaccurate, outdated, or unverifiable, and explain how the dispute process works under federal credit laws.
Guided Dispute Support
For clients who choose to move forward, we assist with organizing disputes, preparing documentation, and tracking responses from the credit bureaus as part of a compliant process.
Personalized Credit Guidance
We provide continued education and support to help clients understand updates, responses, and next steps as their credit profile evolves over time.
What you'll learn
How credit scores are calculated
What items are currently impacting your score
What negative items may be inaccurate, outdated, or unverifiable
If you decide you want help, we can explain credit restoration services and next steps, however the review is educational and obligation free.
As the founder of White Jacobs, I have over 21 years of experience in the credit industry and have helped thousands of clients better understand their credit.
This review is educational, obligation-free, and focused on clarity - not sales pressure.
Ashley Mitchell
Meet some of our highly qualified
team members
Jamie King
Jamie brings over 7 years of deep expertise in credit services, turning your goals into her personal mission. Driven by a passion for credit education and client empowerment, she is 100% committed to your success.
Certified Credit Consultant
Nathan Biller
Nathan is a skilled professional with extensive experience in credit services. Passionate about assisting clients in improving their credit rating by providing solutions, he delivers exceptional results and drives success for our clients. He is personally rewarded daily through his efforts to change lives one credit report at a time.
Certified Credit Consultant
Jeff Rigdon
Jeff is a seasoned credit professional with years of experience helping people change their story. Jeff combines deep industry knowledge with a people-first approach, consistently driving successful outcomes for his clients.
Certified Credit Consultant
The Real Benefits of Credit Restoration & Education
Strategy, Transparency, and Guidance that support better financial decisions
When your credit reports accurately reflect your financial history, it can change how lenders, insurers, and creditors evaluate you.
Credit restoration isn’t about shortcuts—it’s about correcting errors, understanding your profile, and positioning yourself for stronger financial decisions moving forward.
At White Jacobs & Associates, our approach focuses on law-based accuracy, transparency, and consumer education, so you’re not just seeing changes—you understand them.
Improved Credit Accuracy
Ensuring your reports reflect information that is accurate, timely, and verifiable.
Greater Financial Opportunities
Accurate credit reporting may help you qualify for more favorable lending and financial options over time.
Clear Guidance, Not Guesswork
You’ll understand what’s impacting your credit—and why—so you can make informed decisions moving forward.
Support Beyond Disputes
Credit restoration is only part of the picture. We emphasize education and responsible credit habits to support long-term progress.
OUR TESTIMONIALS
What they’re talking about
our company
Siby S.
- WJA Client
I was in a tough situation with my federal student loans that popped up out of nowhere and tanked my credit score 250+ points, despite being very careful and monitoring my credit frequently. The loan servicer was unreachable and unresponsive and that’s there the team at White, Jacobs & Associates came in clutch. They reassured me throughout the process, help put me at ease and resolved the matter ahead of schedule at a reasonable cost compared to other folks I had reached out to. Special shoutout to Bryan Jackson for going above and beyond!
Bobby M.
- WJA Client
Best company to get your credit repaired! Absolutely grateful for how the staff has treated us like family. Very understanding and patient through every step of the way. Could not ask for a better company to work with. Definitely recommend working with them!
Chris L.
- Mortgage Loan Officer
As a mortgage loan officer, credit repair is critical to our business to take care of as many clients as possible looking for their dream home. Kevin is the only person I will send my clients to for help. His process is effective, honest, and straightforward, which is rare in this industry. He keeps in constant contact with my clients as well as me, so we all know the status and the action plan to get to the finish line. I’ve been through at least a dozen different partners in the credit repair world. Save yourself that hassle and go straight to Kevin.
Office: 200 Chisholm Pl., Suite 250, Plano TX. 75075
Call 972-231-0452
Email:[email protected]
Site: www.WhiteJacobs.com