Dallas Scott

Review of White Jacobs & Associates

I was referred to Derek Shaw of White Jacobs & Ass...

I was referred to Derek Shaw of White Jacobs & Associates when I began looking to buy a home. The lender pulled my credit, and it was 537, which is far too low to even get preapproved to begin the search. For the most part, people aren t oblivious to their credit score, but I figured since I started my career and began making more than just minimum wage that my income would far outweigh my poor financial decisions of the past. I was young and poor, and I was just trying to get by, even if it meant destroying my credit in the process. I thought that once I paid off all my debt in collections, that my credit score would instantly improve. I knew little about how credit worked, and even after speaking with family and friends, they all knew what good credit meant and how to get it from the start, but no one could tell me how to properly dig myself out of a hole of bad credit.

After my first consultation with Derek, I immediately felt more of a direction as to what I could do to repair this. At the time, I had over $10K in collections, which would make my stomach turn just thinking about it. Derek encouraged me to let his team at White Jacobs & Associates handle this anxiety-inducing task of sorting out these debts. He boasted that in as little as 6 months my score would jump at least 50 points. I was a bit skeptical because I hadn t even touched my credit (taken out loans or credit cards) in years, and I was making on-time payments for my student loans and such, but my score didn t change at all.

The upfront cost of the repair was a bit more than what I was expecting not that I had any concrete expectations because I had never sought out credit repair before but it was significantly less than $10K+ in collections, and they were able to work out a monthly payment plan for me. Within just the first two months (out of a total of six), I was already getting notices that debts were being canceled and/or removed from my credit report, and my score began rising. Derek coached me the whole way through the process and was able to answer any and all questions I had related to my credit. He taught me good credit practices and gave me tools to continue improving my credit beyond this repair program. Their team is very upfront about this being a one-and-done sort of deal. They will help you clean up your debts and collections, but ultimately the program teaches you how to be smarter with credit and how to maintain it so that you will never have to go through this repair process again. I just completed the 6-month mark, and my final score came out to 603 a 66-point increase from 537, and it s still climbing.

I highly recommend letting Derek of White Jacobs & Associates help you too especially if money, finances, and credit cause you great anxiety. I m happy with the outcome and have been sleeping a lot better, not having to worry about this! Thank you!