White, Jacobs & AssociatesReviews of whitejacobs.com

Enrolled in a credit repair program with White, Jacobs and associates which was supposed to be a 6 month process. I had 50 negative remarks on my report and was promised they could get all if not most removed. I was asked to pay a monthly fee + non contingent fee over 6 months totaling close to $2k. Their first round would begin after my first payment. It has now been 11 months. They are still sending additional disputes beyond their 4 rounds. I have seen 4 removals that are legitimate but no material change in my scores. I have also received a lawsuit from one creditor they were disputing (I was told they would recommend settling if that was the only round so imagine my shock when I got served with a lawsuit). I received one of the dispute letters they sent on my behalf which was full of lies - this was returned to sender and came to me as WJA puts my info on all outreach. All in all, my credit is worse than it was when I started and the money I paid them could’ve gone to settling with a creditor. They have now completely ghosted me since December and ignored several emails. Save yourself the money and headache and run as far away as you can.

I paid over $2,000 for six months of service, and to this day I cannot get a clear explanation of what work was performed on my behalf. They were unable to provide a meaningful report detailing actions taken, disputes filed, outcomes, or progress. When I raised these concerns directly with my assigned contact, her response became frustrated and confrontational. After that, I was routed almost entirely through her assistant. Before hiring this company, I strongly recommend that you read and understand the Credit Repair Organizations Act (CROA). Under CROA, it is generally unlawful for a credit repair organization to charge or collect payment before services are fully performed. In my opinion, this company attempts to sidestep that restriction by characterizing the initial payment as a “credit review.” However, even after that upfront payment and before any measurable results are achieved, you will be billed monthly. Also note that the credit monitoring service they push you to enroll in appears to be operated by the same company, or an affiliated entity. Do not assume they will proactively disclose that relationship before you sign up. Their client portal is also completely inadequate and provides little to no meaningful detail about what actions were taken, what disputes were filed, or what results were achieved. It reads more like a placeholder than a real reporting system, and it did not give me the transparency or documentation you would reasonably expect for the amount being charged.

My experience with White Jacobs has been very bad. I am not surprised by the 5 star reviews they are fake. The person handling my case support rep he is very unprofessional and he called me a liar .I have brought this to Mr. Woods attention with no result crickets' have asked to be remove as my point of contact for the company. He has been lazy in getting my credit fixed still the same thing on my credit he is doing nothing. When I sign he told me that it would easy fix the miss report information on my credit. Well that has not been the case I have tried contact the support rep and I all get back is attitude and no real results. I would be ware of using this and make sure get everything in writing they say thing and is not true. I have contacted his manager I have not received any response at all. The only you can be sure of is that they will take your money. The company has signa contract that you cannot cancel the service until they are paid in full. Do not use this company do your research!!!!

My recent experience with Curtis at white Jacob’s & Associates was short and unfavorably and less than enjoyable experience. I was not please with the letters that were sent out in my behalf to represent me. The creditors didn’t think so either, a few contacted me and asked why would a letter be sent not addressing the real issue of the dispute. This was unacceptable for me. The lack of formal contact after you spend your hard earn money with this firm was below my expectations. Although I recall distinctly when I paid my fee of over $1,100 I could hear his co workers cheering for Curtis on like if as some sort of amusement! The last straw was that I was able to make my own credit improvements in the same amount of time that this jerk had my account. He wasted my money & time! Disappointed customer!!!!! Beware before considering using!

I’m not surprise to see so many fake reviews giving them such high ratings - I was an SEO and digital marketing manager as I told the fast-talking sales and, Jeffrey Rigdon, and ranked a horrible business number one for six years. Fake reviews cost about $2-$5 a piece to have mass produced. I first became suspicious of the outfit when I noticed very basic words misspelled in the brochure they sent me after I signed up for their program. Hint: It’s I before E except after C when the sound is long E. Hire someone who can spell before launching a scam operation folks. I became further concerned when Experian sent me a letter stating that they were refusing to let White Jacobs dispute claims to my file as they weren’t considered a lawful representative of me. Troubling as this is what I hired them to be. I became even more concerned when I reached out to the salesperson, Jeffrey Rigdon. Neither he nor his assistant responded to anything I sent, multiple times. They call you everyday until you sign up and then they vanish. Perhaps it is the 100 clients Jeffrey told me he had on his current caseload. In hindsight that should have been a red flag as well. No one can provide good service with that many clients and is the perfect example of a “churn and burn” operation. Now I was worried and looked up their better business bureau file - and was dismayed by what I found. These guys are crooks run by two crooked lawyers, pure and simple. When I again contacted Jeffrey Rigdon and he again refused to respond, I instructed both him and his assistant to cancel my membership. Yet criminally and illegally, which is why I call them crooks, they continue to attempt to bill my now frozen credit card for their membership program, and are breaking the law in so doing. Yet they also haven’t done any credit repair work that I hired them to do. My next step is to report them to my credit card company for fraudulent activity. Refusing to honor a demand to cancel is fraud and a crime. Don’t walk, run from this company. There may be legitimate credit repair firms out there, but White Jacob is not one of them.

The decision to go with White and Jacobs was a huge mistake. They promise that they will help you to get you to join and when you get family or friends to join they don't deliver on their promise. They have problems with accounting and after a few months they send your file to a new employee that has not handled your file in the past. It is a expensive mistake and I harmed my reputation with family for recommending them.

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.

The company has agreed to refund a portion of the fees paid which is a satisfactory outcome.