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10/12/2015
By: Ronda J.
White, Jacobs & Associates
My bad credit has been bringing me down my entire life. I made bad decisions when I was younger that hurt my credit and had some medical emergencies that I couldn't afford. Because of all of this I have always paid hefty deposits for my apartments, my insurance has always been expensive, my interest rate on my vehicles have always been 16% or higher, and I even got turned down for a job a few years ago. I guess I just got used to it. I thought this is how life is. This was my punishment. I knew something had to change when I went to purchase my home. I was turned down for a loan from multiple companies. My highest score was a 528. The only place that would approve me was going to give me a 7% interest rate. I knew after all these years with high interest on my cars, that I just couldn't even consider paying 7% in interest on a home. I couldn't continue throwing money away for rent. I hated the neighborhood I was living in and, more importantly, I was afraid to let my two boys go play outside because on the neighborhood that we lived in. One loan officer told me to call Tyler Fortenberry at White Jacobs & Associates. I did research on the company and was very pleased with what I found. However, when I researched general credit repair online, I heard horror stories. I became really skeptical of the idea of credit repair. I just knew that I had to do something. I called Tyler Fortenberry. He told me that if he couldn't help me he would tell me. That put me at ease. He looked over my report and said that I would be a good fit for the program. After he went over the report with me and answered all of my questions, I decided to move forward with the program. After 33 days I began to see results. I saw my scores increase and collection accounts deleted. Tyler kept me in the loop the entire way through the program and answered all of my questions. He set me up with two credit cards and taught me how to manage them. This was exciting for me. I haven't been approved for a credit card in years. I was in the program for around 4 months. Guess what? I got my keys to my home three weeks ago! I went back to the loan officer that originally told me no and I was approved! I'm going to finance some new furniture this weekend so I can furnish my new home. Best of all, my children are safe to play outside. My scores that were in the low 500's are now in the 700's. I'm now saving $50 on my insurance every month and over $100 on my car payment after refinancing. I look back and wonder why no one told me about this before. All the money, time, and stress I could've saved myself is mind blowing. I'm so grateful to Tyler Fortenberry and the entire team at White Jacobs & Associates. I no longer have this dark cloud over my head that says I have to pay more for everything because of my younger years. I have freedom! Thank you!
07/12/2015
By: Nicole P.
White, Jacobs & Associates
Let's see where should I start? I am a single mom, working full-time, going to school full-time and have 2 awesome boys. Money is very tight raising two boys. I wanted to get my credit repaired but was very afraid of trusting the right person. My best friend Stephanie Chase used Joe Camacho recently to clean up her credit to be able to buy a house. Joe is also a old friend from high school. I was eager to use Joe but was afraid to spend the money on this. Finally after talking to Stephanie over and over and talking to Joe several times I was ready to commit to doing this. I hate spending money but I also knew it was costing me more everyday to keep the delinquent records on my credit. I called Joe told him I was ready he walked me through it step by step what to expect and the things I had to do. (Which is very little) He explained to me about my options and he was very upfront with how much this was going to cost and what our goals were with my credit. He spoke with his team and came up with the best plan that would help benefit me. A year later what can I say I am VERY happy with the choice I made on trusting Joe and going forward with White Jacob & Associates Inc. He has always been very fast at getting back to me via email or even calling me back. He would also make arrangements to talk to me about my account frequently through this whole process and keep me up to date on what was all going on. Joe Camacho will go out of his way to get things taken care of and the right way! I will say he puts about 500% effort in everything he does for you. I started out with $31,202.00 in collections & a $961.00 public records judgement against me in Tarrant County. I had a REPO on my credit and also had TWO mortgages on my credit even though I got divorce and signed a deed over for my house it STILL was on my credit. :( I also had 13 Negative Derogs on my Experian, Equifax had 15 Negative Derogs and also Transunion had 15 Negative Derogs on my credit. NOW i have 1 Negative Derog on my Experian, 2 Negative on my Equifax and 2 Negative Derogs on my Transunion. Joe has also SAVED me a TOTAL of $26,374.00 on my credit. He has been able to DELETE the REPO, get BOTH mortgages off which was also a FORECLOSURE on my credit, deleted the judgement from Tarrant County. He is still working on my credit to this day trying his best to get one more item off my credit. I have faith he will get it done. I would recommend to use JOE CAMACHO you will be very pleased of the services him and his team provides to you. Please ask for Joe ;)
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03/03/2015
By: Uno E.
White, Jacobs & Associates
Like most I was skeptical of this company being able to help me with my horrible credit. After my divorce I didn't have one positive account on my report. I was continuously denied for credit cards and auto loans which can make things difficult. I did my research and even called 3 other local companies. The 3 other companies ALL told me "oh sure we can delete that" or "yeah no problem". They never explained how they could help me nor did they tell me when I could be able to start looking for a new house for me and my daughter. Then I called White Jacobs and spoke with Joe Camacho. This guy is the real deal!! He never once said he could help me until we started discussing my credit report. He told me that not everyone is a candidate and wanted to evaluate my credit before moving forward. I'll be honest, that surprised me. He was the first person to really take the time to understand my personal issues and find the root of all these crazy accounts. We eventually moved forward with his free consultation and he broke down every account for me. He even knew things like which accounts were opened fraudulently by my ex just by looking at the information. I had TONS of questions for Mr. Camacho and he had an answer for every single one. The consultation took about an hour and he even stayed late to make sure it worked with my schedule. Joe Camacho truly cares and goes above & beyond for his clients and his work ethic is a testament to that. He didn't feed me any cheesy sales lines, he just told me the truth. He created a custom plan to attack these accounts and within the first 34days I was staring at an Experian report with several deletions. The other two reports came shortly after and had similar deletions. I was impressed and from that moment on I knew Mr. Camacho was a man of his word. If you're skeptical then do your research and you'll find that White Jacobs is definitely the best there is. Oh and it didn't stop there. Joe helped me get credit cards, a loan officer, and a realtor to purchase my new house. Mr. Camacho may seem tuff at first, but he does it because he truly cares about you and your family. Thank you White Jacobs and Joe Camacho for all that you have done!! :)
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04/12/2017
By: Jason M.
White, Jacobs & Associates
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.
11/15/2016
By: Rahul G.
White, Jacobs & Associates
From 400's to 700's .....yup yup , So , i dont know where to begin from , i dont know if this is gonna help someone make an informed decision ,i dont even know if people would read my complete review but i do I know this ,that it was the best decision i could have ever made in my life and i mean it from my heart I first spoke with Misty Maxie from White jacobs about 6 months back in April - May, when i was denied for my first home loan because of my Credit Score being in the mid 500s and one in high 400's . Got to know about them though online reviews and made my first call . I spoke to Misty and she was very friendly and wanted to seriously help me ..... ofcourse i saw the fee involved and didnt know if i want to proceed so i sent an email back to her after which she called me to talk about the payment options which seemed so much more doable . Long story short , we started working on my case as partners and she always said that we are in this together , which to be honest with you guys was really really comforting . Yes we went through the 4 rounds , i did my part by sending her the letters i would receive and she did hers . The Result : In Mid Sep , after the thrid round was up , we pulled up my credit report and my score was above 700 for all 3 Bureaus . YES she removed 99 % of all inaccurate things from my credit report and made my score get high.... Like way higher than i ever could have expected .Recently applied for 2 credit cards and got a total of close to 15k in credit line for the first time in my life .Do YOURSELF a favor and call Misty at (972) 330-2868 Ext 109 and know that she will truly help you when she says she will . Trust her and she will make the change happen.Thanks a lot Misty .
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04/22/2015
By: Meghan S.
White, Jacobs & Associates
After struggling with bad credit basically since the age of 19, I finally decided to make this year a year of self improvements and start with taking charge of my credit score. I was referred to Broc Mullins at White, Jacobs and Associates by a friend who had a positive experience with Broc AFTER being disappointed by similar services offered by 2 other companies. My credit started around a 540 and was up to 720 in the first 45 days and is now around a 750!! My credit was so horrible the only type of car loan I could qualify for was on a vehicle around the 100k mile mark, with a 21% interest rate....21%!!!!! Within 2 months of signing up with Broc I was able to walk on to the Mercedes Benz lot here in Charlotte, NC and purchase a 2014 GLK with $0 down at a 2.9% interest rate with dealer financing. Improving your credit is much much more than driving a nice car though, through this experience I have learned the true importance of achieving and maintaining good credit. Broc does an amazing job at keeping his clients well informed on the process, and as long as you are working with him as a team player I am sure you will experience the same customer service that I did! I am only on month 2 and have already had 3 of my friends sign up with Broc after seeing my results and hearing about my experience first hand. You can reach Broc at 972-231-0452 ex. 113!
11/04/2016
By: Ashley W.
White, Jacobs & Associates
I want to write a review since I looked at reviews on YP to review White, Jacobs, and Associates. I had a credit issue that was out of my control and didn't know who to call or how to get it fixed. So like most, I googled and called randomly with anxiety and little patience for anyone who couldn't help. Then a calm and caring voice called me, it was Misty Maxie. She was happy, calming, and mostly she was confident she could help. Like most in a chaotic credit mess, I was on guard and didn't want to trust anyone yet. Misty gave me advice and helped me through the first step of getting my credit together. After a few phone calls, I decided to trust her. My fiance even said to take a chance, because whatever Misty was saying over the phone was calming me down and stopped me from crying... something he couldn't seem to do for the past six hours. Misty was amazing from the beginning to the end. She guided me through each step and estimated each time I should see responses. She was right and they were able to fix everything in a short period of time. There are companies who say they can help, but there is a difference between those companies and White, Jacobs, and Associates. They hire people like Misty who actually care about you. They take the stress away from these situations. My fiance should be writing a review and thanking her as well.
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01/21/2016
By: Robespierre V.
White, Jacobs & Associates
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
10/06/2016
By: Lindsey H.
White, Jacobs & Associates
What an amazing company to have on your side! I had an issue with an unscrupulous collection company that had reported a collection on me that unfortunately severely compromised my credit score. My fiance and I were trying to buy a house and I needed my credit to come up tremendously in order to get the best rate for us. When I got in contact with LeAnn Daniel at White Jacobs & Associates, my score was a lousy 642.. Because of the collection issue, I started working with LeAnn and WJA and after only SIX short weeks, the derogatory information was removed from my credit report! Even after the collection was off my report, LeAnn continued to advise changes that I could do for my credit portfolio to boost my score even more. At a month after the collection being taken off my report and doing some of the things LeAnn so kindly suggested, my average credit score is a whopping 787 and my fiance and I have had no trouble with purchasing our house!! I can't thank LeAnn and her team enough. She truly cares about her clients and wishfully wants success for them. She always took to the time to answer all of my questions without hesitation and thoroughly enjoyed being able to help me. She treated me like I was a part of her family and I couldn't be more grateful! If you need help, let them help you!"
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10/06/2016
By: Kevin B.
White, Jacobs & Associates
I started using the services of James Lee, at White, Jacobs and Associates, a few months ago. I had spent 7-8 years trying to rebuild my credit on my own, and it just wasn't cutting it anymore. I was stuck in a lull, and could not get out. I make decent money, but still could not get a mortgage to buy a home for my family. After just 3 short months of James working my case, my credit shot up, and he got a numerous amount of accounts taken off, and most importantly, he was able to help so much, I have been approved for a mortgage, and am currently in the home buying process with my family! I never thought I would be able to buy a home, but with the help of James, I am. He was great to work with, and gave me his email, work phone, and even his personal cell phone. If I needed anything, even just had a question, he was always back to me within minutes! He called me a few times a month, just to check in, and set up a progess report for me monthly, to sit down and go over everything with me. His attention to detail, and amzing customer service was outstanding, and I will be referring anyone I meet to him, if they have issues with their credit! If you have any issues with your credit, or just have questions, James is your guy! Again, thank you James!Kevin B.

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