The Credit Pros is a leading, legal, and legitimate credit repair company. They work on your behalf to remove erroneous, questionable, and derogatory information from your credit reports.
You see those credit report dings are the most frequent cause of a bad credit score. This includes items such as: late payments, collections, charge offs, bankruptcies, judgements, repossessions, etc.
The Credit Pros are headquartered in Newark, New Jersey, however they provide service to clients in all 50 states. They’re BBB accredited with an A+ rating.
Originally founded in 2009 by Jason Kaplan and Damon DeCrescenzo, but don’t let their youth fool you. Recently they were ranked by the prestigious publication Inc. magazine as one of the fastest growing companies.
This is because they’re committed to providing their clients a five star experience. And accomplish this by using a team of certified FICO professionals, your consumer rights, and federal laws to fix credit report errors, dings, and damaging listings.
Along with providing you a one of a kind pay per result fee structure. As in you only pay the Credit Pros when items are removed from your credit reports. More on that coming up.
How The Credit Pros Work
The very first step is to call 1-877-418-7596 and get a free one-on-one credit consultation with a FICO certified professional. You’ll next need to forward current copies of all three of your credit reports.
The Credit Pros have a number of weapons to deploy on your behalf, but typically they’ll start by exercising your consumer rights granted by the Fair Credit Reporting Act (FCRA). This piece of federal legislation gives you the right to dispute and challenge any item on your credit report, so long as you believe it’s inaccurate.
This law also requires the credit bureaus to investigate consumer disputes. But did you know the Federal Trade Commission (FTC) has fined all three credit bureaus, multiple times for violating consumer rights?
60 Minutes recently exposed how challenging the dispute process is for consumers with Steve Kroft saying: “it’s extremely unlikely that anyone with the authority to resolve your dispute will ever actually see it.” Moreover Ohio’s Attorney General says the credit bureaus have an obligation to investigate disputes, but “they’re not doing an investigation at all.”
As Meg Pasternak a victim of erroneous credit reporting errors says “You feel kinda helpless because they got you under the gun if you need to get a new car, house, or anything.” Julie Miller an Oregon resident, actually sued Equifax, after investing two years into repairing credit report errors, all to little avail. She won and was awarded $18.6 million in damages.
Look, the credit bureaus clearly have a system for handling consumer dispute requests. It’s to frustrate the average consumer with the hopes they’ll just give up and live with bad credit. This is what the industry has found to be the most cost effective way to handle the avalanche of an estimated 8 million consumer dispute requests made every year.
But this is your right, as a consumer, and it’s protected by federal law. Moreover the FTC has studied the accuracy of consumer credit reports and found one in five individuals has an error on their credit reports.
Further one in 10 American’s have an error serious enough to be causing substantial credit score damage. This is a mistake, someone dialed the wrong phone number, or punched in the wrong Social Security number. And you may be paying dearly for it!
The Credit Pros won’t promise any specific outcomes, but they do provide you with a money back guarantee that they’ll clean up credit report errors, mistakes, and inaccuracies. In fact, if you don’t see items removed from your credit report within the first 90 days of service, you can cancel and get a full refund.
Now once the credit bureaus deem your dispute request valid, only then will they conduct an investigation. During which they’ll contact the lender or creditor and request verification on your account.
As per the FCRA, any item that can’t be verified on your credit report, must be removed. This is proven to be the best, most effective way to fix bad credit, by removing the negative items that are damaging your credit score.
If however your account is verified, then the item will remain on your credit report, or updated with accurate information. However this doesn’t mean you just have to live with bad credit for seven long, expensive, and painful years.
Credit Repair Weapons
One common concern for folks is how do credit repair companies work? In addition to the credit bureau dispute process both with the credit bureaus, and thanks to new amendments to the laws directly with the data furnisher, original creditor, or lender.
You’ll also have the ability to deploy debt validation if you’re currently dealing with any aggressive debt collectors. This is your right under the Fair Debt Collection Practices Act (FDCPA). The Credit Pros will request validation on your account, and on your behalf.
This requires the collection agency to provide poof, and evidence that your account is legit, within the legal time period, and they own the rights to collect payment. If they neglect to do this, then your no longer legally responsible for payment. And the collection agency is suppose to notify the three credit bureaus to have them remove collections from credit report files, regarding this account.
On the chance this is a legit debt, you can also have the Credit Pros send a cease and desist letter on your behalf. This requires the collection agency to stop harassing you and gives you the opportunity to live your life again with peace and harmony. Rather than ducking and dodging more obnoxious, aggressive, and snarky debt collector calls.
You also get access to goodwill letters to creditors, this can be very effective at removing late payments from credit report files. Along with unlimited dispute requests, 24/7 access to your client portal to keep you updated with your progress, and ID theft restoration and insurance.
How Much Does The Credit Pros Cost
The Credit Pros have a one of a kind, pay per result fee structure. This is how it works, you’ll be responsible for paying a low one time fee of $179.00 to get started. Keep in mind, this one time fee is fully refundable if after 90 days you haven’t seen any items removed from your credit report.
Now you sit back and relax. Only as items are removed from your credit reports, as in results, will you then be responsible for payment. It’ll cost $50 per removal, per credit bureau, and $75 for public records.
For example to remove charge off listing from your Experian credit report, you’ll have to pay $50, but only after the item’s been removed. However if you have a judgement on your Experian credit report, you’ll have to pay $75 because a judgement is a public record, as in listed with the court house.
The best part of this unique fee structure is you’re only paying after you get results. Along with being guaranteed a refund if for some rare circumstance they aren’t able to legally remove items from your credit reports.
Big picture, you’re looking at investing a few hundred dollars, over a few months to improve credit score information. Stack that against the overwhelming high cost of usurious interest rates, deposits, and potential rejection for financing. It’s easy to see the benefit.
This isn’t even considering the expense a bad credit score causes to your self esteem, pride, and even self worth. Did you know many employers in our brave new post Great Recession world check potential job candidates credit history, before offering them a position?
Take note you’ll need to purchase a credit monitoring service. This is a monthly fee of $16.95 if you use the Credit Pros recommended service, but you can use any service of your choice.
The purpose is to be able to provide your credit reports to the Credit Pros so they can monitor your progress, along with updated reports, and deletion letters from the credit bureaus. This keeps everyone on the same page with your case progress.
Money Back Guarantee
The Credit Pros are so committed to providing you with results, they provide a money back guarantee. If you don’t see items removed from your credit report within the first 90 days of service, you can cancel and get a full refund.
They don’t promise any specific outcomes. And do guarantee that you’ll be treated professionally, respectfully, and with courtesy. Your private information is protected and secure, and all your requests will be responded to in a timely manner. And of course, you can cancel your service any time.
What Items Can Be Removed
The Credit Pros can remove all erroneous credit report items including: collections, late payments, charge offs, judgements, repossessions, bankruptcies, foreclosures, inquiries, incorrect information, identity theft, errors, and any incorrect listings. This is the most effective way to repair credit score files by cleaning up the negative listings.
Your credit score is a lot like a Grade Point Average (GPA). If you’re failing underwater basket weaving but acing all your other classes, it matter’s not, your GPA is still going to be screwed. In the credit scoring world, all the negative listings on your credit reports are the failing grades, and are responsible for dragging your credit score into the pits.
If you’re working to achieve good credit, it’s mission critical to remove credit report dings, negatives, and any questionable listings. In addition to using your current accounts responsibly so you can build a trail of positive payment information. It’s a two pronged approach.
Yet, most people just give up and volunteer to be victims of the credit bureaus, collection agencies, and even predatory lenders. Despite the unfortunate truth that all these guys have a vested interest in you and every consumer having less than perfect credit, so they can earn more profits.
Credit repair companies have a vested interest in cleaning up credit report negatives, and working with you to legally, ethically, and legitimately repair bad credit. In addition to providing you ongoing education and understanding about how exactly our credit system works.
We need not share the many horror stories of well intentioned consumers paying off debt in collections with the false belief that this will clear bad credit. Nor the many blasphemous credit bureau public relation campaigns to try and convince the general public that it’s somehow illegal to dispute accurate credit report listings.
As if there’s some credit bureau SWAT team kicking in people’s front door. Listen, every last alphabet soup law has been passed for your protection, as a consumer. In 2016 alone, over 9 million negative items were successfully removed from consumer’s credit reports.
This includes: late payments, collections, charge offs, judgements, liens, and many more negative items. We encourage our members to consider the Credit Pros, because they’re one of the best credit repair companies, bar none.
Get a free credit consultation with a certified FICO professional today, by calling toll-free 1-877-418-7596. And for more about tips, strategies, and techniques about how to fix credit score information with Dan Willis, sign up for our free newsletter and join our congregation.
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