Ask for Hugo- after getting denied for a secured credit card from bank of america. i knew it was time to fix my credit, i tried lexington law but after not getting results and doing some research i landed on white jacobs and associates website. i spoke to HUGO for an hour! who was very curteous and did i mention patient haha. yea side note thanks bro for dealing with all of my questions back then sorry i doubted you.. but yes back then it sounded to good to be true that my credit would be fixed in 6 months guaranteed or they would keep working on it till it was free of charge. well let me tell u.. he did it in 4 months. i went from a 423 credit score to a 769 on my equifax. they cleared 18k in debt student loans and all from equifax.. so right away i was able to qualify for any loan that they only check equifax.. now i can go to any company and qualify no matter which one they check but that was still incredible to me back then.. there are of course some stubborn student loans left but the majority of my major debt has been wiped clean. I'm a real person with a real facebook since 2010. when i read these reviews i was skeptical, and now here i am writing one bragging so others to see my results lol if u need advice or a personal message testimonial ill gladly reply to you.. speaking about replying. i can say thats what set HUGO apart from lexington law. at first i was skeptical thinking now that i made a down payment. watch them put me on hold and i not be able to get through to get questions answered. well its actually the opposite.. i literally barely had to call him because he had an update for me every 2 weeks. not sure how in the world he finds time but he's very prompt to reply. even if he's busy i simply leave a voicemail and hell call back within 30minutes. but my favorite is just sending him an email.. cuz i can word things perfectly and be confident that he heard what i wrote and the reply comes straight to my iPhone. see a tutorial how to add certain people to VIP mailing list. the iPhone with make a sound like a text message came through only for the vip people listed. and the rest of spam goes ignored. in case i didn't cover something you thought about feel free to send me a message. but theres no one better then a professional so i would contact White Jacobs and ask for hugo personally. i guarantee you won't be disappointed. p.s I'm going to try to show photos of my credit back then how they cleared equifax. that shows how my score jumped up!! now I'm in the 700's across the board Facebook.com/jaym407 or oliveandmints.com read more

If you're looking for an honest review, here you go. My name is Don and here is my story. I called White Jacobs due to finding them on yelp. We've all seen commercials about getting help for your credit and other yada yada yada. Everyone out there knows what I'm talking about. The reason I decided to check them out was because I read reviews about how good their services are on other sites...I figure, Let me check them out. When I called White Jacobs, I got a hold of a guy named Brian Quinn. While talking to him, I thought this was going to be another sales pitch. But, I really needed help with my credit. My score was in the very, very low 500's range. It really sucks when you go to school and get a degree, but due to credit issues, you can't buy anything without paying cash for it. So, I talked with Brian on the phone and after face to face consultation, I decided to take the plunge. I told Brian that I have no idea about credit and how any of this works. I said "just tell me what to do with this credit thing and I will do my part". I have to admit, Brian is doing a great job of walking me through. I'm still in the program now. Since joining this program in July, my credit score has gone from the low 500's to now 670 (Amazing!!!). I never thought I would get approved for anything....ever!!!!! I now get credit card offers and have been approved for multiple cards (I always call Brian about which ones are best). He does his research on them and we go from there. I cannot thank you all enough for showing me some light at the end of the tunnel with this credit nightmare that I had. Also, I like the fact that Brian is always a phone call away if I ever have a credit question For anyone that is in need of credit repair, credit fixing, or you just need some help getting it together, I absolutely recommend White Jacobs. I have learned something about credit while going through this program. When it comes to credit, it's either going to help you or harm you. To White Jacobs and Brian, thank you for the help. Hopefully, some folks can read this review and maybe it will help them out. read more

In today's times, it is very difficult to know yet alone trust if companies or people can or will do what they say they can. There are many good people and companies out there and people who truly do care about helping others, the challenge rests in finding and connecting with them. I was fortunate to be referred to White, Jacobs & Associates through a potential banking relationship. My challenge was that I had previously filed BK a few years back from a failed business venture, one where I had invested over six figures in personal money and had borrowed over seven figures on my venture. Things did not run as planned, after 4-1/2 years I was advised to close the business and file bk. A few years later (after a lot of HARD work and sleepless nights) things cleared up, business is going great and other banking opportunities emerged. Income was strong again, the problem was my scores (because of lingering things on my credit) were too low in spite of no debt. This is where it gets interesting; the bank that i was working with, understanding my situation referred me to White Jacobs & Associates. I spoke with Mike Doyle who was a very pleasant and articulate gentleman, he explained the process and discussed that he was handing me off to Michael Stockton who would be acting as my Consumer Advisor. Mr. Stockton was also very thorough and professional in explaining the process of how they go about working on my credit. Mr. Stockton emphasized the importance of following the process and trusting the steps and order of how things would transpire. Long story shortened was within a short time frame my scores went up on all three bureaus, thus leading to me getting my bank approval whereas I am now advancing toward my next plateau with an enriched business knowledge.... Thank you Mike & Mike!! Many blessings to your firm! White Jacobs & Associates is an inspiration and a testament to helping others. Keith read more

James was amazing from the very beginning. Before I even entered the program, he was very straight forward and honest about my unique situation. It was no pressure from his end. He allowed me to decided for myself on how I wanted to handle repairing my credit. I'm 32 years old and made some very poor decisions when I was in college that led to me having a very poor credit score. I started the program in January 2017 with a credit score of 520. I was always getting turned down for numerous things due to my poor credit score. When I did find a company that would let me finance, the interest rates were through the roof! My credit situation literally started negatively effecting my life in a huge way, from where I had to settled to live and even putting unnecessary stress on my marriage. It is April 2017 and my credit score is 766. I can't even begin to explain how much of an impact being in this program has made on my life. I start to tear up when I think about how far I've come. I always thought that it would take an act of congress to repair my credit, but James assured me that he would fight and not give up on me throughout the duration that I would be in the program. I'm hear to say that he definitely did not give up on me. James always assured me that he would do his very best to get me where I wanted to be. James never once lied to me about anything. Even if it was something that I didn't want to hear, he was straight forward with me and I really respect him for that. With the progress that he has made with my credit, I will be building my dream home very shortly. James Lee is hands down the Michael Jordan of credit repair and I strongly recommend him to anyone that needs any type of credit repair. James Lee direct line is 214-289-2701! I promise this will be the best investment of your life. read more

White Jacobs did a great job of clearing up my credit. A foreclosure, medical billing, and other miscellaneous issues were clouding my credit up. They did a great job of initially clearing up the credit. My credit scores went from about 610 to 750. About four months after my credit was cleared up, the foreclosure which was already closed up was erroneously handed down to a third-party collection company, which they legally were not able to do, since the foreclosure had already completed. Nonetheless, my credit went from 750- 785 back down to 625. This type of situation, although not permitted, routinely goes on and is difficult to correct for a typical consumer like me. Mike Doyle agreed to graciously step in and see what he could do, even though my contract with them had already expired. Their firm promptly addressed this situation with the institution who was wrongfully trashing my credit and within 2 weeks my credit scores were corrected and ranged from 755 to 796. I cannot thank them enough. If it were not for Mike Doyle and white Jacobs, I would simply be unable to do the investing that I am doing right now. They were definitely worth the money that I invested with them I have used other credit repair services, but white Jacobs definitely is head and shoulders above the rest, because they are staffed and backed with actual attorneys who know what they are doing. Other credit repair services, in my experience, don't simply do not have the "teeth" to back up their bark with bite. I definitely plan on using them again if I have credit problems. read more

Steve Tansey is the best walking, talking advertisement for the White, Jacob and Associates!!! His hello was warm and engaging, I felt like I've known him for years and he was happy to help make sure I had a good experience. Experts say, If you want good advice on being smart with your credit, financial planning and the power of good credit talk to the people that work with credit on a daily basis. STEVE is that person! Steve came highly recommended, and he certainly lived up to his reputation. He not only handled me with utmost professionalism, but he also truly cared about my case and how it would affect me long term. Steve doesn't just talk the talk; he is able to recite the law and how it applies to my situation. He also sent me links for any additional financial wealth planning I needed. As he was evaluating my file, he was passing great knowledge along the way. The helpful links that showed me the law and how to use the law in my favor. He gave me tips that will lead me to make better decisions for my future. Remember all that I've said he did it in two hours. I feel like I could sit for the series six or seven exam! I came away so empowered and feel like I am on the right track. Thank you, Steve,!!!!! Not many good ones out there like this guy, definitely recommend him if you need sound financial advice and someone who will work hard for you. read more

Thank you very much Joe Camacho!!!! I am very happy I found White Jacobs when I did. I had scoured the internet looking for companies that could help fix my credit score the right way. I came upon quite a few different companies and a lot of bad reviews of those companies. A lot of customers out of the money it cost for the service and still had bad debt/credit scores. I found reviews for White Jacobs, I searched and found that almost 99% was all positive and anything negative was based upon customers not doing as they were instructed by their credit adviser. I kept seeing the name Joe Camacho in a lot of the reviews so I requested that he contact me. I have been working with him for a little over 4 months and started with a credit score in the low 500's I am currently in the high 600's and have had almost all my bad/old debt removed. I was just able to apply for a credit card and instantly was approved. I am truly grateful to Joe and White Jacobs for their incredible service and advice. Not only is Joe helping repair my credit but he is also guiding me on how to not end up back where I started and I have learned a great deal from him. If you are serious about repairing your credit and getting back on the right track, I definitely recommend contacting them. I am so glad that I did. You can reach Joe Camacho @ 972-231-0452 Ext. 114 read more

Steven Tansey from White Jacobs gave me a second chance in the credit world. I heard about Steve and White Jacobs from a friend who he helped. She shared every month how her credit score had improved and that she could buy a house. When I started the program my credit score was mid-500 to very low 600. I had been previously married and had a terrible divorce. I was in debt over my head and to make matters worse I live in California cost of living is high. I didn't even know where to begin. I begin the program in February I used my income tax as a down payment. Steve assessed my credit report educated me on the program how it worked. Steve asked me what my goals are. I told Steve that my goal was to buy a house. Steve told me what he could fix and what he might have a hard time fixing. Steve told me when I was done with the program I would be at house buy credit score. Throughout the program Steve educated me about credit. I was in the program for six months and I am happy to share that Steve fixed everything even the things he was unsure about. At the end of the program my credit score is between the high 600 to the low 700. I plan on beginning the house buying process in the next few months. read more

I have been working with Mr. James Browne from White and Jacobs and surprisingly I must say that I am more than please with my results. In all of three months my lowest credit score soared and because of him I can now purchase a home. I have more work to do but I am excited about my new life. Because of Mr. Browne my "EGO" is large and in charge. Over 15 different creditors have sent me offers in regards to credit cards, new cars, etc. I am so thrilled and cheesing from ear to ear. Because of Mr. Browne I know that my net worth is not in dollar signs but it is in my credit score. Because of my new found credit score I am worth more than I was worth last year. I am on my way to a heaping 700 and as stated before Mr. Brown took a score of 400 and made me a brand new woman. I will continue this program until I am a home owner, and at a credit score of 800. Mr. Browne says that won't take much :). Thank you White and Jacobs for such exceptional services thru the likes of Mr. James Browne. If you are looking for someone who is serious about teaching you how to monitor your credit score give him a call today @ 469. 217.8544 or email him at j.browne@whitejacobs.com read more

Doug Taylor ~ I was referred to White Jacobs and associate by a good friend and coworker who is working with Doug to improve her credit score. At first I was skeptic about the service due to negative comments and experiences that I had heard from others. After sending that initial email and receiving a phone call from Doug, I told him my concerns and he reassured me this is not the case. The conversation lasted for about thirty minutes and I made the decision to enroll and start the road to recovery and credit repair. Doug has been very attentive by answering my questions and making sure I am doing ok. With each email that I send Doug I am guaranteed a quick reply or even a phone call to discuss anything. He has taken the time to walk me through this process and make sure that I have a clear understanding of what is happening and what to expect. With this been said I cannot say Thank You enough to Doug for taking the time and showing a genuine concern for my apprehension at first. With this been said I have allowed myself to think about owning a home in the near future thanks to Doug. read more

I knew I needed help with my credit but didnt know which way to turn. I contacted other credit repair companies, and actually I signed up with one that I cancel after I did more research on them. In my research and reading countless reviews I came across White Jacobs name. I research WJA and couldnt' find any bad reviews not only that I could find any reviews on this company. I decided to make that call, left my message. Rashid Qaddoumi returned my call. I was really REALLY negative about this whole process. Rashid stayed on the phone with me for hours going threw my credit report and explaining how WJA could help me. WELL, Rashid did exactly what he told me WJA could do! but here the kicker I only been with WJA for less than 45 days and my credit went up 84 points!!!! I know it might be hard to believe because I am still on cloud 9. but the best part is Rashid is still working to get it higher! If you decide to go to WJA I am tell you you should ask for Rashid Qaddoumi. He knows what he is talking about and he is really funny!! I am so HAPPY! read more

when I started my journey ruffly a year and a half ago. I had no idea I would be where I am today. a simple phone call changed my life. when I got Brian Quinn on the phone I was fully expecting him to just throw a sales pitch at me and get the phone call over with. boy was I wrong. he spent 20-30 minutes getting to know me, and in a world of sales pitches this was refreshing. he didn't beat around the bush when we finally did get down to business he told me, without promising the world, exactly what his expectations were. and boy did he deliver. Brian Quinn was very knowledgeable about the law and the tricks of working your credit score to your advantage. he got my score from a 505 to a 680 in less than 6 months. Brian never screened my phone calls answering every one of them and all my emails. if you need help getting your score up and getting into that dream house. Brian Quinn is the man to do it. give him a call, see what he can do for you. his number is (214) 620-4713. He helped me. I know he can help you. read more

A few months ago I hired White, Jacobs & Associates for the purpose of repairing my credit after a rather long lay off during 2009-2010 took me down to the very bottom of the ratings. I was rather impressed at the time and effort that my Credit Analyst took to educate me, and bring a very solid understanding as to how everything works. In fact, he spent several hours with me during this process and I had not even agreed to hire the firm. This in itself speaks VOLUMES about how they do business and treat clients. My credit score went from very bad to very good within 4-6 weeks and the process continues. What was promised is being delivered, and I could not be happier with their service. My analyst James Browne has been nothing but professional, timely, and has motivated me to address other things which are not credit related, but important nonetheless. At this point, I'm on a different path and frankly the education was worth what little money they charge. Thank you James! read more

We began working with Joe Camacho after seeing a review on zillow. At first we were a little hesitant to call. We have heard of so many people being scammed out of their money, with promises of having their credit fixed and no results. After reading review after review we decided to take the chance, and I thank God we did within weeks of working with Joe my husbands credit score shot up from the low 500's to high 600's. We were in shock. Our dreams of buying a house were becoming a reality. We could not believe it! After 6 months of working with Joe my husband had 100% deletions and he was able to get my husbands credit scores in the 700's. Not only were we able to buy our first home, but we were given an amazing loan! Thank you Joe you have changed our lives! I would recommend this program to anyone who has ran into credit issues and wants a second chance, Joe was amazing! He made our dreams a reality! We closed on our home May 18, 2017! Thank you Joe! read more

I was referred to Lupe Rivera by a friend of mine I called him he told me what needed to be done to start the credit repair I had lots of questions I needed to ask in which he never hesitated to answer any of them he was up front with the whole process my scores were in the low 400's and after starting the credit repair process in the first month my scores went up 79,42,13 points my second month another 134 points which puts my scores in the 600's I am on my third month I just know that at the end of this month I will be happy with my scores Lupe is very professional and honest from the beginning when I first called him I knew he would be the one to help me repair my credit I am very happy with my credit scores,I highly recommend Lupe Rivera please call him you won't regret it,the money you have to pay it's well worth it! I am looking forward to a new start if anybody can make that happen it's Lupe Rivera his # is 469-217-8539 cell # 469-401-7110 Less read more

I began working with WJA in October 2019. This moment felt so far away at the time but here I am not even a year later. A homeowner! I closed last week on my very first home. From the beginning, Zach Sandoval, my Consumer Credit Analyst, was amazing. He was so patient in taking the time to explain the process, options, and plan. I didn't get the feeling of "one plan, fits all". We chose a path that fit my goals and timeline, then he helped hold me accountable in reaching those goals. Could I have done this myself? Possibly. But everything doesn't have to be done alone. It takes a village and WJA and their team of experts took the lead. They so were responsive and great to work with. Did I mention Zach?!? This young man is just an awesome person. Great to work with and so knowledgeable. And he doesn't beat around the bush. Transparency is key here and it was a two-way street. I'm going to miss our check-ins! He was was so uplifting! Thanks WJA! read more

My husband and I went to White Jacobs, in particular to Steve Tansey to be able to fix our credit with the ultimate goal of buying a house. Due to severe illnesses and other issues our credit was in horrible shape. When we started this process we had little hope that Steve would be able to help us because of the bad shape we were in. Not only was Steve incredible helpful, and knowledgable, he was also a tremendous resource for us, and encouraged us not to give up. We followed his advice (and will continue to do so, since we never want to be in the position we were in again!), and within 4 months we were able to have good enough credit (our scores raised over 100 points) to purchase a house! A little over 4 months to the day we got started with Steve, our house closed. Without Steve's help, this would never have happened!!! We cannot recommend him and White Jacobs more! They definitely know what they are doing and how to help fix your credit! read more

Hi everyone. I wanted to share my experience with White Jacobs & Assoc. I have, for a number of years, struggled with my poor credit. Ive had history of late payments and judgements. Once I decided I wanted to clear my past performance and start new, I realized it to be impossible without the guidance of a professional. After doing some searches and getting no where with other companies claiming to have the ability to clear poor credit I found WH&A. I have been working with Phillip Coleman for 3 months and I went to having tax liens, late payments and other derogatory info COMPLETELY cleared. I know have credit scores across all 3 bureaus in the mid 700's. Phillip is extremely professional and knowledgable. Not only has he repaired my credit but helped me build my credit and utilize it correctly. Phillip has become my friend. Thank you Phillip Coleman If you'd like to speak to Phillip please call him @ (972)231-0452 read more

I was young and dumb... now I'm just a little less dumb thanks to Ms. Ashley and Ms. Lizzie. From the very first time I contacted them, they've been following up with me and giving me peace of mind about my credit situation and the options available to help. You can tell they have the experience and customer service that actually make you feel less worried about the problems you're facing. I spoke with several debt attorneys before this, and White, Jacobs & Associates -- especially Lizzie -- stood out because they genuinely took the time to understand my situation instead of throwing "solutions" around left and right. After my appointment with Ms. Ashley, I honestly felt relieved and much less stressed about everything I'm currently going through. I'd say "I'll definitely come back," but hopefully I won't need to! That said, they clearly know what they're doing, and they do it the right way. Thank you to the whole team! read more