Adilah Younkins

Review of White Jacobs & Associates

I am so elated about the progress of my credit sco...

I am so elated about the progress of my credit score. I've never written a review before and never really anticipated on writing one but I am so overjoyed about the results that I've received from White, Jacobs & Associates and couldn't keep it to myself. Unfortunately, I wasn't taught about financial responsibility nor credit so this led to me making poor financial decisions and bad debt management. For so long I wanted credit guidance but refused to invest in a credit repair company because I felt as though I could of done it myself. In addition, I also thought that credit repair companies were scammers and wasn't worth the investment. After working with WJ&A, I know realize I was SO wrong! My entire adult life, I have been penalized and paid extra in interest due to my poor credit, low 500's. The breaking point for me was in September, I needed a new car and couldn't get financing or lower than 22%. I knew at that point, something had to change. After researching several companies and reading reviews for other companies, someone mentioned WJ&A in their post. So I begin to research them and read some really great reviews. Yet, I was still skeptical but decided to make the phone call out of curiosity. I asked for Woody because I had read in the reviews he was great. From the moment I spoke with him, I was impressed by his patience, knowledge, and genuine concern. Yet, I was still skeptical. After that initial conversation, I realized I gotta do something different to get something different. So I called Woody back and moved forward in the process in October. Although, I was forewarned by Woody that it is a process and can take so time, I still wanted immediate gratification. After 2 months of no results, I became skeptical once again. I reached out to Woody just last week after Christmas and asked him what's going on? He assured me that they're working on it and sometimes the bureaus take time to update. Due to receiving letters from creditors, I knew they were working on it but I felt like it wasn't happening fast enough so once again, I was skeptical. On yesterday, New Year's Day, Jan 1, 2017, I received an email from a credit monitoring company that I use saying my score has changed and log in to see the changes. When I logged in and saw my credit score on the 1st of the year in the mid 600's, I started crying. I just feel like this is going to be a great year and I am on my way to meeting my goals of a house, a car, and lower interest rates. In fact, since I'm off for the holidays, I'm looking for old bills to pay because I don't want anything to hit my credit to knock it back down. This is just the beginning, only 2 months into program and seeing results. Can't wait until the end result!!! Thank you WJ&A