Workin with Lenay was awesome! Always stayed in contact with me and they did a great job. I definitely recommend
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My spouse and I paid over $2,000 for credit repair services. They assured us that they would be able to repair our credit in order to get a home loan approval. The accounts that we were told would be... See more
While having less than stellar credit, I thought that a credit repair service was my only option. When I reached out, I met Mike Morones. As he took my information and background, I was skeptical tha... See more
Company replied
Mitchell made me feel at ease and confident during the process. Kept me informed of new information and updated with current credit scores. Most importantly honest and straightforward. During... See more
Company details
Information provided by various external sources
White, Jacobs & Associates is a premier consumer services firm. WJA offers an aggressive alternative to credit repair and debt settlement - Attorney Powered.
Contact info
200 Chisholm Pl #250, 75075, Plano, United States
- (972) 231-0452
- info@whitejacobs.com
- whitejacobs.com
4.1
Great
288 reviews
Hasn’t replied to negative reviews
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No High Pressure Sales
While having less than stellar credit, I thought that a credit repair service was my only option. When I reached out, I met Mike Morones. As he took my information and background, I was skeptical that he was trying to sell me his company's services. And then he tells me that "Our services aren't warranted for your situation." He gave me some guidance that I wasn't aware of, and things are looking better.
Edit: I didn't expect such honesty.
April 9, 2024
Unprompted review
Reply from White, Jacobs & Associates
That's how we do things, Billy! Thank you for noticing that. You're absolutely right. Not everyone is a good fit for our program, so if we can give you some advice/guidance instead, then that's what we'll do. We're happy to hear that the advice you received from your credit analyst has been helpful. If you come across anyone that needs a bit of credit help, please send them our way! Thank you for taking a minute to share your experience with us.
5 stars
Edgar and his team were very helpful and answered any questions that I had throughout the entire Process. I am extremely happy with my results.
July 20, 2023
Unprompted review
Reply from White, Jacobs & Associates
Thank you, Livie! If you're happy, then we're happy! Even if you have questions in the future, we are here for you. We're only a call/text/email away. We appreciate you taking a moment to leave a review!
Jeff really took the time to get to…
Jeff really took the time to get to know me and my situation. He was very knowledgeable about the process and what the plans are. He stays in contact with me regularly and assists with all the necessary steps. He goes above and beyond to make a stressful situation something easy to work through. I’m so thankful for this company and his above standard abilities.
April 30, 2024
Unprompted review
Reply from White, Jacobs & Associates
We're so thankful for you too, Heather! It takes two sides to make the teamwork successful, so thank YOU for all of your communication. We appreciate you noticing that we put forth great effort in understanding our clients' situations. At the core, we just want to help you in the most advantageous way we can. And yes, our process is quite detailed so we like to set the proper expectations. But, as you said, we try to make it easy for you! Thank you again for taking a moment to leave a review. We appreciate it!
Helped when no one else could!
Where to start. There was nobody that I talked to that could help with my Credit situation, that’s until I was introduced to Sally Odum with White,Jacob’s & Associate. Working with Sally was time consuming but worked out in a very positive way. They were able to get my credit situation taken care of and I am very grateful for that. If you need someone to help when others say they can’t, please reach out to them and let White, Jacob’s, & Associate (Sally Odum) help you. They are great. Thank you for the help you gave me.
Mike.
April 22, 2024
Unprompted review
Reply from White, Jacobs & Associates
You are most welcome, Mike. Because our approach is quite different than most companies, we are frequently able to address unique situations such as yours. We're thrilled that you were satisfied with our communication and level of service! Thank you for recommending us! If you know of anyone who may need our help, please send them our way!
These guys are great at what they do…
These guys are great at what they do especially ciarra and Edgar. not only did they fix my dumpster of a credit report they helped me avoid falling victim to a phone scam and gave me the advice I needed . 10 out of 10 would recommend
April 11, 2024
Unprompted review
Reply from White, Jacobs & Associates
Your recommendation means a lot to us, RJ. Please give yourself a lot of credit for taking the first step in deciding to work with us!! It's a team effort and you've done your part. We're happy that we were able to assist you with multiple facets of your credit. As you know, we're only a phone call away so please don't hesitate to reach out!
Exceptional Credit Repair Service: A Testament to Salley's Expertise at White, Jacobs & Associates.
I had the pleasure of working with Salley, the credit analyst at White, Jacobs & Associates, and I cannot express enough gratitude for the exceptional service she provided in fixing my credit. From the moment we began working together, Salley demonstrated professionalism, expertise, and genuine care for my financial well-being. Her thorough understanding of credit and her strategic approach to addressing my credit issues resulted in significant improvements to my credit score. Salley's communication was clear, timely, and always supportive, making the entire process smooth and stress-free. Thanks to her dedication and hard work, I now have a brighter financial future ahead. I highly recommend Salley and White, Jacobs & Associates to anyone in need of credit repair services. They truly go above and beyond to deliver outstanding results.
April 19, 2024
Unprompted review
Reply from White, Jacobs & Associates
Wow, thank you so much for the stellar review, Jason! We're absolutely over the moon to hear about your fantastic experience working with our team. We really do pride ourselves in our expertise, dedication, and unwavering support. BUT it takes a lot of teamwork so thank YOU for doing your part. Hearing success stories like yours is what fuels our passion and drives us to continue raising the bar in the credit repair industry. We're thrilled that it's been a smooth process and stress-free for you. After all, regaining control of your financial well-being should be an empowering experience, not a daunting one. Thank you again for your glowing recommendation. If you know anyone who may need our help, please send them our way!
I have worked with Jamie and Ciara for…
I have worked with Jamie and Ciara for almost the past two years. Not only fixing my own credit but my husbands as well. They are both so genuine. They made things easy for me to understand and didn’t mind having to explain the same thing to me multiple times, because let’s be honest, trying to fix your credit is confusing and that is why I highly recommend theses girls and White, Jacobs and Associates.
April 19, 2024
Unprompted review
Reply from White, Jacobs & Associates
You're so right about credit being confusing, Lanay. Credit scores work in mysterious ways, ha! That's why our team's experience is incredibly valuable. Thank you for noticing that!! We appreciate the kind words about our team. You probably assumed this already, but we LOVE educating our clients on credit. Please keep the questions coming! Thank you again for leaving us a review. The feedback is very much appreciated.
Outstanding service
Outstanding service! Ellie and Lacey have displayed nothing less than exceptional service and friendly interactions. Ive been kept in the loop about the progress my account has made as if I'm apart of the team. I highly recommend White and Jacobs!
April 12, 2024
Unprompted review
Reply from White, Jacobs & Associates
Bryce - You totally ARE part of the team! Our program requires coordination with our clients so thank you for helping us do our job. It's great to hear that you've experienced a high level of service. That's our aim! Thank you for recommending us to anyone who needs a bit of credit help.
Amazing customer service
Matthew Licka & Lacey Dunaway are awesome. They are currently helping me sort a credit crisis. No phone calls nor emails are left unanswered and are usually answered same day. They are very detailed about the process of fixing my credit including time frame, documents, what to do, what not to do, etc... Although credit repair is stressful, I am enjoying working with both Matthew and Lacey.
April 11, 2024
Unprompted review
Reply from White, Jacobs & Associates
Love hearing that, Tyanna!! Communication is absolutely critical so we appreciate you noticing that we do our very best to make sure no emails/calls go unanswered. And yes, our process has a LOT of moving parts so we are quite detailed with our explanation/education (as you already mentioned). Your kind remarks about our team are deeply appreciated. Thanks again for leaving a review!! If you know of anyone who needs a little credit help, please send them our way.
Matthew and Lacey are super nice and…
Matthew and Lacey are super nice and being really helpful with me and my husband! We both have collections on our credit report, and they have been helping us taking care of that! So far we have went through the first round, I’ll keep this thread updated as we move along!
April 11, 2024
Unprompted review
Reply from White, Jacobs & Associates
One round down, and three to go! We're so excited you're in the program and making progress, Lato. Thank you for having the courage to take the first step and do something about your credit. We appreciate the kind words about our team. Please know that we're here to answer any questions you have along the way. We're just a phone call away!
My experience was fantastic
My experience was great! The follow up from the team when I was unresponsive for weeks was what I needed to face this head on. I worked with Daniel, and we outlined future goals, and a targeted system to get my credit in the direction I need it to go in order for me to own a home, and then a business. HIGHLY SATISFIED!!
April 10, 2024
Unprompted review
Reply from White, Jacobs & Associates
That's great to hear Raymond! Yes, it does take a team effort and part of our process entails communicating with you regularly. From the start, we like to set expectations and give you an overview of what needs to be done! Thank you for noticing our commitment to implementing a strategy with every client. We're excited to assist you in the journey of owning a home and a business!!
Edgar Z. was incredibly helpful
I had a confusing issue with my credit score that dropped unexpectedly. Edgar Z. was incredibly helpful in going through my report line-by-line and explaining the factors involved. He's knowledgeable, professional, and I highly recommend his services. Thank you!
April 4, 2024
Unprompted review
Reply from White, Jacobs & Associates
We agree credit scores can be confusing, Dzianis. That's why our credit analysts perform an in-depth review. It allows us to see exactly what's going on and what we can do to assist. We appreciate the kind words about our team. Thank you for sharing your experience!
Steve was amazing to work with
Steve was amazing to work with. He showed me exactly what to do and with his guidance I was able to change my credit so that it is now well over 800!
April 5, 2023
Unprompted review
Reply from White, Jacobs & Associates
We appreciate the kind words about our team, Anne. And WOW! Congratulations on your 800+ credit score! Thank you for taking the first step and giving us a call. We're grateful you took some time to leave a review.
Credit savior
If you’re having credit issues, call Clint at White Jacobs. He looked at my reports and said he could help me out but I didn’t need their program. With his FREE Advice, my scores went up between 81 and 98 points in 60 days! He even called to check on me a couple of times even though I wasn’t a client.
April 2, 2024
Unprompted review
Reply from White, Jacobs & Associates
Thank you for sharing your experience, Matthew! Often times we come across awesome people like you who can benefit from some credit education without needing to sign up for our program. We really do want to help every person who has the courage to TAKE ACTION. Thank you for giving us a call! We're so excited about your credit score increase! If you know of anyone who could use our help in the future, please send them our way.
Worst Credit Repair Company
I hired White Jacobs to fix my credit they did nothing and provided me no proof of any kind they are scammers and only want your money.
March 18, 2024
Unprompted review
Reply from White, Jacobs & Associates
UPDATE 4/3/24: Multiple attempts have been made to contact David, however, he has not responded to phone calls or emails. Despite his payment delinquency, we are still willing to assist him with reprocessing his file. Unfortunately, communication has non-existent on his end.
David - Thank you for reaching out and sharing your concerns with us. We understand the importance of seeing tangible results from our credit repair program, which is designed to operate over the course of four (4) distinct rounds. These rounds are meticulously structured to maximize the potential for success in addressing inaccuracies on credit reports. It's essential to recognize that the outcomes of our efforts can emerge at ANY stage within these rounds. Since our records indicate that you did not complete the full program, it would be premature to conclude that our services were misrepresented. Our goal is always to provide clear, honest information about what our program offers and how it works.
We value transparent and ongoing communication with our clients and believe it is crucial for effectively resolving any issues that arise. We are here to support you through this process and are committed to working closely with you to address and rectify any misunderstandings or dissatisfaction. To ensure we can continue to assist in resolving your situation to your satisfaction, we encourage you to maintain an open line of communication with us. Our team is ready to provide further clarification, discuss the progress of your case, and explore all available options to achieve a resolution that meets your expectations.
I was referred to Mike to get my credit…
I was referred to Mike to get my credit in order to buy my home. He offered me a free consultation and he gave a ton of advise at no cost. I was approved for my home loan after following his free advise. He is awesome and the free advise, I was able to have enough down payment for my home. Thank you, thank you, thank you!!!
February 16, 2024
Unprompted review
Reply from White, Jacobs & Associates
You're welcome, you're welcome, you're welcome, James!!! Not everyone is a good fit for our program, but often times we can still help in a meaningful way. We're so happy that we were able to give you a bit of credit education. It looks like you took that knowledge and made it work for you! Thank you so much for leaving us a review. Please let us know if there's anything we can do for your in the future.
My experience
Everything that I hoped for is coming true!! The person that I am working with is the best. She has offered some great suggestions!! I am so glad i decided to work with this company!!
February 28, 2024
Unprompted review
Reply from White, Jacobs & Associates
We're so glad you decided to work with us too, Carla! Thank you for the kind comments about our team and we are SO EXCITED that everything you hoped for us coming true. Please reach out to us if we can assist! And if you know of anyone who needs a bit of credit help, please send them our way.
The company has agreed to refund a portion of the fees paid which is a satisfactory outcome.
December 2, 2023
Unprompted review
Reply from White, Jacobs & Associates
UPDATE 4/3/24 - Multiple attempts have been made to contact Carl, however, he has not responded to phone calls or emails. We are still willing to assist him with reprocessing his file. Regrettably, there has been no communication from his side.
Do not hire White Jacobs to repair your…
Do not hire White Jacobs to repair your credit! I was contacted by Mike who convinced me to hire them to repair my credit. Days after I hired them his assistant Kameron contacted me stating that they sent my dispute letter out and they would contact me Oct 3, 2023, to give me an update. The next day Mike called me and said he would contact me Oct 13, 2023. This had me wondering why was I getting two different dates from people who work closely together. I then sent Kameron an email asking if they sent my dispute letters by certified mail and I also wanted a copy of the dispute letters. She responded by saying yes. Two weeks went by and I did not receive any notification from the credit bureaus stating disputes were opened. I then became concerned that letters were not sent out. So, I contacted Kameron requesting a copy of the certified mail receipt and dispute letters. This is the response she provided:
Goodmorning Mrs. Annette, we sent your first-round letters out on 8/30. We are not permitted to allow the client to have a copy of the audit letters due to copyright infringement. My apologies.
Unfortunately, we don't send our clients the letters that we send out and we don't send out the mail receipts due to protection policy. My apologies for any inconvenience.
I then realized I was scammed and contacted both her and Mike making them aware of my discovery. I am in the process of contacting as many consumer protection agencies as I can so that other consumers will not lose $998 for the first-time fee and then $115 a month. I am so devastated because they both came across like they were really caring and concerned about helping me with repairing my credit. I wonder how they ever received glowing reviews that I assume former clients have left. Protect your money and do not hire White Jacobs to repair your credit. I think they were trying to keep me on the subscription for as long as possible.
August 16, 2023
Unprompted review
Reply from White, Jacobs & Associates
Annette Shaw - We assure you that the service you paid for was being diligently provided. In fact, we were achieving a significant level of results (multiple deletions) in the 1st Round of the process (out of 4 Rounds) before you decided to halt our service. Since the onset, we've been committed to delivering the credit repair assistance outlined in our agreement with you. The owner of our company personally engaged in discussions to resolve your concerns, demonstrating our dedication to customer satisfaction. However, the resolution process is complicated when personal parameters, differing from our established practices, are insisted upon.
In regard to the conflicting dates of communication - please understand that your file is being handled by multiple professionals to ensure comprehensive coverage, which may occasionally result in overlapping communication dates. This is part of our thorough approach to managing your case, aiming to provide you with the best possible service. Our team's varied expertise contributes significantly to the effectiveness of our credit repair process.
Regarding your request for copies of audit letters, while we confirm that these were indeed sent out, our policy restricts us from providing clients with copies due to copyright and protection policies. This does not, in any way, imply that the necessary actions on your behalf were not taken. We operate with complete transparency within the bounds of legal and professional standards.
To be clear, our program is structured as a comprehensive service with a maximum duration of six months, not a subscription model. We do know that other companies engage in an "ongoing" type of service where payment is recurring indefinitely. Our service is completed at the six-month mark. This design ensures that we provide focused and time-bound credit repair support tailored to each client's unique situation. The goal is to offer a complete solution within this time frame.
Finally, we want to clarify that we do not engage in spamming or any unethical business practices. We remain open and willing to continue working with you, provided the approach is reasonable and collaborative. Credit repair is a team effort, and we believe that continued cooperation will yield the best results.
Steve Tansey boosted me to an 801 FICO score
I've worked with Steve Tansey at White Jacobs & Associates for 10 years. Not only did he help me go from not having a credit score at all (No Record Found on my FICO). I purchased everything with cash. In a few months, Steve had my score to 740 and eventually to 801. I'm a Real Estate investor and referred many of my Real Estate Investor friends to Steve Tansey to help them out as well. I highly recommend calling Steve when you are looking to improve your personal credit score.
December 16, 2022
Unprompted review
Reply from White, Jacobs & Associates
What a journey! Going from a non-existent credit score to a 801 is quite an accomplishment! We appreciate your comments about our team and your continued referrals! Please know that we do our very best to take care of our clients. And, as you know, we have been in the industry 10+ years so our experience is a huge asset when it comes to improving credit.
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