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  • Average Fee
    $200
  • Licensed Legal Staff
  • Registered with Attorney General
  • Counseling
  • Credit Score Updates
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0 votes

Mr James Browne is awesome i would recommend him to anyone he knows his business in getting your credit back in good shape he did a woderful job getting my score back up ,i was able to get me a nice house.

0 votes

Working with White Jacobs and Associates has been a wonderful experience. When my husband and I first spoke with James we immediately felt welcome and respected. James reassured us about our credit and helped us reach our goal with becoming home owners. We appreciate James and White Jacobs & Associates and recommend them. Here is James direct line 4692178547

0 votes

This firm is very reasonable and professional. You can trust them to do business with you and be honest.

0 votes

This firm is very reasonable and professional. You can trust them to do business with you and be honest.

0 votes

Excellent service White Jacobs & Associates provides. They boosted my credit score from mid 400s to 685. Best decision I made in years. If you want award winning customer service ask for LUPE. Tell him Chris Jackson referred you he got my life back on the right track I'm pretty sure he do the same for you.

0 votes

James Browne is truly a miracle worker. I had a six month goal to get my credit right so that I could purchase a home. James Browne and his team worked diligently to make it happen and I am at the ending stages of purchasing my home. I have referred numerous of people to him and will continue. By far the best person, company ever!! It was worth every penny. James is beyond amazing he is "Papa Bear" he keeps you in line and gets ... it done. I will never be able to truly show you how much I appreciate you. Thank you Thank you Thank you

Alexis Mayes
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0 votes

James Lee was a godsend. He worked a miracle for me. My credit was was too low to buy a car or house. I am now able to buy a car if I want to and my credit score has improved so much. I am in the process of buying a house. I didn't think it was possible at this late age in life but now I can thanks to James Lee at White Jacobs & Associates.

0 votes

It's a rip off I've paid over$ 1,300.00 in four months and they have not a single thing. My rep was fired I guess and nobody has contacted me. Don't waste your money Tasos L

0 votes

Steve Tansey is the BEST!!! Not sure if this is going to help someone make an informed decision 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. After dealing with low scores but also being a victim of Identity Theft I felt helpless.

I first spoke with Steve Tansey from White Jacobs about 6 months back Nov 2016, when I was going through the process of getting qualified for home loan but because ... of my Credit Score being in the high 500s and having a lot of inquiries close 90+ and 90% of inquiries were not done by me. I was referred to White Jacobs and Associates specifically with Steve Tansey by Lisa our loan officer. After speaking with Steve we felt right away both my girl and I were doing the right thing. Right away we started the process and months later I saw most of the inquiries gone, also accounts that were open fraudulently were deleted and collection accounts from account that were not mine also were gone from my report too. Long story short we went through maybe 3 rounds for myself, to make sure everything that was not mine was taken out of my credit reports. Pulled up my credit report and my score was above 700 for all 3 Bureaus. YES he 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 3 credit cards and got a total of close to 15k in credit line for the first time in my life and was able to lease my car. Now the next big step is getting that house. We are just waiting for my girls rounds to be completed and we already know he has done and amazing job with her situation.

Do yourself a favor and call Steve Tansey at 469-217-8533 or his private business line at 214 551-3739 and know that he will truly help you. Trust him, he will really take care of you and make things happen.

Thanks so much Steve and always being there for advice and continuing to help me.
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0 votes

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! More Less

0 votes

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! More Less

0 votes

For the past 3 years I have been subject to crazy high interest rates on automobiles, denied home loans, and even unable to move into a decent apartment all because of a broken lease that should not have existed. With the aid of White Jacobs & Associates, and Steve Tansey, after a few months I have been absolved of my blemish. I had spoken to other attorneys about resolution only to be met with ‘Maybe, Probably, and likelys’. These were much cheaper but I was unwilling to deal with ... someone who had no spine or faith in their own work. But, after just a few minutes of speaking with Steve Tansey it was green lights. He opened with a disclaimer, ‘you may not get the result you want’ but I can and will get this taken care of. He gave me a realistic timeframe of six months on the high side. It took only four months to resolve. He had confidence, he let me when exactly where in the process things stood, and what to expect moving forward. He gave me additional advice on how to continue to further grow and his personal number. He responded to calls outside of working hours and I didn’t wait days for responses on e-mails. Steve Tansey is the man you need to oversee your situation. It may have cost $1100 but there was no uncertainty in his voice, there was not a grey area to answers, but, there was a report with a defect and score of 680 that transitioned to a blemish free 751. White Jacobs & Associates. Steve Tansey. Call him. More Less


0 votes

Mr. Browne was very supportive and understanding of my credit needs. He gave me the knowledge of how important it was to understand your credit report: I thank Mr. Browne for taking the time to review my credit reports with me. My most recent credit report contained negative items that needed to be addressed. Mr. Brown gave me a plan of execution so that I could clean up the negative items. Mr. Browne gave me pertain information with how to change your circumstances and how to improve your money ... management by assisting with your credit report. I have apply for a mortgage/auto loan and I was approved. My credit score has improved from Dec 2016 to May 2017 I truly believe that Mr. Browne assistance has made it possible for all of my new transactions to be approved Thank you Mr. Browne More Less

0 votes

Me and my husband are first time home buyers and were looking to get preapproved for a home. After being denied in February for a home loan because our credit scores we were sent to James Lee at White Jacob & Associates. James was very helpful through the whole process and very prompt about answering all of our questions and getting back to us. He was very detailed about how the process works and explained that it was a process and could take us around 6 months to get our ... scores up. Because of his promptness and details of what he was needing, in just 3-4 short months my scores had shot up! my scores went up 126, 100, & 172 points! I am so excited about purchasing a home finally and so thankful that we were sent straight to James. I would refer him to anyone! More Less

0 votes

I had to come here to write my recommendation about Joe Canacho! His work and dedication is amazing! He was able to bring my credit score from the low 600's to the 800's in about 3 months! I followed his instructions on how to handle my accounts and was able to be approved for my 2017 Denali all by myself!! My credit is still soaring high! I recommend Joe to anyone who is serious about raising their credit score!!

0 votes

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 More Less

1 votes

It's been over a year now that I had worked with Joe Camacho at White Jacobs and since then my credit is still great and I have been able to purchase a new car with a great APR and no hoops to jump through like I had to in the past. I have approximately around $30,000 in credit and when I first started with him I had a $500 secured credit card. I could not be happier with the results I have gotten from working with him and this company. ... I am planning on buying a home this year as well. If you are looking for a company that will truly help you repair your credit and will guide you on what to do after then this is the place for you. Thank you again Joe for everything, my family and I truly appreciate it. Call Joe Camacho (469) 563-3554. More Less

1 votes

I was in search of some help because my credit score was less than perfect. And I didn’t know how to begin the credit repair process on my own. I found White Jacob and Associate through a credit repair forum and immediately began to research more about the company. They had excellent reviews, so I decided to give it a shot and put my contact information to learn more about the program. I was contacted immediately by Lupe R. whom was very upfront and honest about the entire process so ... I decided to start. I began the program in October and by December 99% of marks were deleted. I am thankful for this program and Lupe R. especially for helping and coaching me through this entire process. It has taken so much stress and fear away. If you are skeptical about the program, I say don’t think about it and just do it! What a wonderful program! More Less


1 votes

I started working with James Lee from White Jacobs in September and I am so happy I decided to take this step. I started with my credit scores in the 400's and based on all the work he has put in I have already made a positive impact on my credit report with my credit scores in the 590's and 680's. They helped remove negative items from my credit report such as collections, late payments and other items that were causing me to have low credit scores. James has kept ... in contact with me throughout the process, keeping informed of next steps and any changes. He's been very informative and easy to understand. I am very pleased with the service that I have received and I would definitely recommend them to any of my friends or family members...Ask for James Lee, he's the best!! More Less

3 votes

When I started working with Joe Camacho of White Jacob's and Assoc. I was not sure I wanted to give my personal info out, as I never share that with anyone....but I decided to trust Joe Camacho and gave him a try. It was one of the best decisions I've ever made, and it improved my quality of living. He delivered all he promised me and did it in 90 days (6 mo was the time frame given) . My mother was very sceptical about working with Joe Camacho and ... White Jacob's and Assoc., she was sure I could and should do this on my own. She has hence changed her opinion and realized I could not have accomplished what Joe Camacho accomplished for me. She is very impressed with is experience and accomplishments.....as am I. I would recommend Joe Camacho and White Jacob's and Assoc. to any looking to clean up their credit and improve their quality of living. You can contact him at (469) 563-3554 Joe Camacho White Jacobs and Assoc. More Less

3 votes

My wife and I have been working with Joe Camacho for 5 months now and we couldn't ask for more. Joe did an amazing job cleaning up my wife's credit. He's up front and very honest from the start, he won't promise you the world just to sign you up for the program.

He truly does care about helping his clients. He will walk you through the procedure from A to Z, he will answer your emails and return calls promptly. That was our experience with him, what else ... could you ask for?

It really is a pleasure working with him. Contact him at (469) 563-3554 if you want to improve your credit.
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3 votes

Wanting to get out of outrageous rent prices, and put my wife and 3 kids in a permanent home. I searched for ways to fix my credit and as I was searching yelp, Google and other sites I kept coming across awesome reviews for Joe Camacho. So I called and he had the yellow brick road plan to get my credit score where I needed it to be. 6 months and over 10 deletions and score rose almost 100 points and rising. Joe was a straight forward, and listened to ... the needs of my family. Also I've gone pass the 6 month plan and he continues to provide advise for me to KEEP my scores where they need to be. Joe and his team are people I hope to invite to a house warming party soon! More Less


2 votes

Robert and his team is amazing! They have done everything to get what we needed cleared off of my husbands credit and he did it way faster then the people we went through before him who was just fucking our money from us. I am so glad that we found this company, if not we would have still been spending money on getting nothing done and we wouldn't have been able to own our home. Thank you! Thank you! Thank you!


1 votes

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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12 votes

Thank you so much Tyler Gregory (from White, Jacobs and Associates) for all your help with my credit repair process. Highly recommended. First I was anxious to see some movement in my credit score, but it takes awhile (especially if there is a lot of negative information to clean and there are high balances spent on credit cards), so it is important to stay patient! Tyler is very responsive and professional with his advice. It was exciting to see my credit score to go up! Thank you Tyler for ... making impossible possible! I will definitely recommend White, Jacobs and Associates to all my friends and customers who need credit repair service. You can call Tyler @ 405-973-8464 More Less

14 votes

Joe Camacho is AWESOME!!! I am a Licensed Real Estate Broker and a Licensed Real Estate Instructor in the State of Texas. I wanted to increase my own score and actually use a service prior to recommending it to any of my clients and associates. I began working with Joe Camacho and his team late February. I wanted to see if it was really possible for my scores to increase since I had very little increases in the past year after being diagnosed with Ovarian Cancer and medical ... bills begin to pile up. Today is May 27th and my TransUnion Score has increased 101 points, My Experian has increased 67 points, and my Equifax score has increased 64 points.

Joe Camacho has surpassed my six month goals in less then 100 days. I applied for a credit card with my credit union today and I was immediately approved for over $23,000!!!! I was ecstatic. I am absolutely amazed with the professionalism and service Joe has provided.

Joe has done an absolute AMAZING job and I appreciate him so much.

I want anyone who is reading this to know you can improve your situation no matter how tough it may seem. There is always a solution to every problem. Creating a solid foundation with credit is extremely important. If you want to purchase a home and your credit score is stopping you please call Joe Camacho!!

I will highly recommended Joe Camacho to all of my clients who need to start over, grow their credit, or just need a good boost in their credit score.

Call him!! Joe Camacho (972) 231-0452 Ext. 114
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19 votes

I felt so defeated at one point because a few financially tough months led to a harsh impact on my credit score. I'm still in my 20's so the last thing I wanted was bad credit at such a young age (I actually never want bad credit). I was online looking for help and after reading positive reviews, I decided to go with White, Jacobs and Associates. I was partnered with Brian Quinn who was very upfront and direct about how the process worked and if he felt he would ... not be able to help me, he would let me know immediately and not waste my time. Luckily, Brian was able to help me. I started this process in January and as of today my credit score has jumped up over 200 points!! Brian has been amazing to work with. He's very responsive, very knowledgeable and I even referred some to him who is now working on their credit and they're just as pleased! I don't think you'll find anyone better than that and I appreciate Brian for his commitment to help me gain financial freedom again and will continue to share my positive experience with those around me. THANK YOU, BRIAN !

P.S. If there's anyone who is reading this and is in need of help with this credit! CALL BRIAN! 214-620-4713. One phone call will change your life!
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18 votes

We are absolutely over the top satisfied with the results achieved from using White, Jacobs & Associates! Steven Tansey, our Consumer Credit Analyst was fabulous and treated us so well! He and the team of lawyers worked for us! There was a lot of incorrect and inaccurate information on my husbands credit report when we started, and by the end, 99.9% of all dings on his report have been totally removed! It's truly a miracle!! We are beyond satisfied and highly recommend using them!

19 votes

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 More Less

18 votes

Let me first start off by saying I never review anyone but the experience I have had with Tyler Gregory and White, Jacobs and Associates I can't not share. I was referred to Tyler by my loan processor in preparation to buy a home. Now initially when I was told to contact him because it could be life changing and a great investment for my future. I took that with a grain of salt. Tyler called me a few months later since I never reached out and I am so ... glad that he did. Since the day I trusted Tyler with repairing my credit I have had 22 deletions and went from the low 400's to Mid 600's. I am still in awe at my results. I never would have thought in a short period of time that I would have this much success. Mind blowing! It has only been 5 months and I am excited to see what my credit report and scores will look like in a few more months. If you are considering repairing your credit you will not be disappointed with Tyler and White, Jacobs and associates. All you have to do is let them speak with you. Allow them to review your information and see how they can help you. If they can they will go above and beyond and if they can't (which I doubt) well hey at least you took steps towards knowing. Tyler has been phenomenal since day 1. I never have to worry about whether or not he will keep me posted or if I will see results. He has given me a peace since the day I met him reassuring me all the way. I'm so grateful that I was referred to him. My life has changed for the better. Give Tyler Gregory a call 405-973-8464 and let him see how he can help you too. More Less

19 votes

I have only been through the 1sst stage and I have seen amazing results!!! I have heard a lot of negative things about credit repair companies but this is definitely a great one! Tyler Gregory is my credit analyst and his customer service is impeccable! I can call, text, or shoot an email at any time and I always receive a rapid response. He has definitely been wonderful to work with. I was referred to him by a coworker who refers him to our clients and i will be doing ... the same in the future! I am so grateful that I have found this company!!!

CALL TYLER GREGORY 405-973-8464
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25 votes

WJA and Joe Comacho are the absolute best! I started working with him January 2015 and was able to have a home built (took 6 months) and closed on November 12, 2015!! If you're looking for professionalism, competence, quality and results you can't go wrong with Joe!

24 votes

I couldn't be more happier with the results and service Joe Camacho and his team have provided! They took my credit score from not even reporting with credit bureaus to 775 with one of them in 6 months.

26 votes

I had no idea what to expect when I contacted Aerin Lucas to discuss my financial options for getting into a new home. I was pleasantly surprised to find that she was extremely caring and down to earth about the reality of my situation. She asked a lot of questions, and got to the root of my needs. At first I was skeptical of going as in depth as needed with her but she really took the time to explain the process and how the results would affect my ... credit. I am thrilled to say that she has given me the best customer service and credit repair service the industry has to offer and I recommend her to all of my family and friends looking to buy a home or simply improve their credit ratings. Aerin Lucas and White Jacobs and Associates are truly remarkable. More Less

26 votes

I was a little hesitant about moving forward with White , Jacobs & Associates. I went ahead and starting the process and I have no regrets about my decision. I've been working with Tyler Gregory for almost 2 months and I have seen positive results with my credit. I still can't believe the improvement! Tyler has been professional and is always available to answer any questions I have. I appreciate everything Tyler has done!

26 votes

White, Jacobs & Associates provided a wonderful and seamless experience. As a college student I acquired quite a few dings on my credit history and Joe Camacho came to the rescue. I am very busy now after graduation and did not have much time to handle this myself. Joe provided a seamless experience that required little to no effort from my end. I was able to go about my business while these magicians of credit repairing performed their sorcery and literally brought my score up 90+ points with total deletions ... of negative dings. I would definitely recommend this to anyone struggling with their credit and don't want to hassle with collection companies. This is a great investment and well worth it. Thanks again guys and a much great thanks to Joe Camocho!! More Less

25 votes

White, Jacobs & Associates has basically saved my credit life! Joe Camacho is fantastic. He is always available to answer any questions I have and takes the time to explain every detail. Joe has worked hard to help me repair my credit so I can buy the house I need for my family and has gone above and beyond to educate me about credit. THANK YOU JOE!!!

25 votes

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 ;) More Less

27 votes

I was hesitant of working with White, Jacobs & Associates at first but Joe Camacho had already really helped out my husband. I saw the positive results and then when it was my turn he reassured me that this was really going to help and that my information would be safe. After a few months my credit score jumped into the over 100 points and then kept going. It was time to apply for my credit card and I got approved for $10,000 because my credit was EXCELLENT!!! This is ... after trying to get approved for lines of credit for years and years and always being declined. Thanks to Joe, we have the credit and flexibility our family needs to buy a new home and a new vehicle for my husband!! More Less

26 votes

As a Financial Business Manager for professional athletes, I've found the simple education of credit and the "know how" are essential to their financial careers. With that being stated, we all know, life is the most reliable source of education. When life and calamity found its way into my credit file, "life"' or in this case JOE CAMACHO was my most reliable source of credit education. He was not only able to pull me out of a credit disaster while educating, but also saved me money in every aspect ... of interest accrual accounts. I will forever be in DEBT to Joe Camancho. He is now an individual I can truly rely on for not just myself but for all my clients when facing such credit issues. He is always a phone call away and continues to reach out to me til this day almost a year after the calm of my credit storm. Joe has stayed true to his statement of me "being a client for life." Joe's credit acumen allowed me to secure an account, in which I was able to outwardly express my dying love for my now life partner and join us in holy matrimony!!! Thanks Joe for all you did and continue to do, words cant even express the feeling. Not even an emoji!! More Less

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