Four Simple Steps To Improve Your Credit
Step One: Start By Getting Enrolled
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Simply apply by phone or by completing our online enrollment form. You will be assigned a credit specialist dedicated to finding and helping resolve your credit issues.
Step Two: Inspect and review credit record
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Once we obtain your credit report we will conduct a comprehensive analysis, note all impacting items and present you a list we have identified as dispute candidates.
Step Three: Negotiation Strategy
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We will challenge the inaccurate items with the three credit bureaus. If no changes are reflected, we will automatically schedule a follow up with a counter dispute and persistent tactics until the desired effect has been achieved.
Step Four: Sit back and relax
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We will provide monthly updates with details on how to continue to optimize your credit, all while you enjoy our user-friendly online portal where you can track your progress and communicate directly with us daily.
Our Risk Free - 90 Day Money Back Guarantee
If for any reason you are not satisfied with our services within the first 90 Days, Please let us know and we will refund all monies paid to date.
Credit Recovery Pro stands by its risk free guarantee. We work very hard to provide you with unparalleled service that you will be completely satisfied with. Not only will we return the full amount paid to us through 90 days, we also only take payment once a service is rendered, eliminating your risk. Our goal is to make sure you are fully satisfied while working with us.
Understanding Your Credit
What is a Credit Score?
A Credit Score is a three-digit number that rates your credit risk. It can help creditors determine whether to give you credit, decide the terms they offer, or the interest rate you pay. Having a high score can benefit you in many ways. It can make it easier for you to get a loan, rent an apartment, or lower your insurance rate.
The information in your credit report is used to calculate your credit score. It’s based on your:
• Payment history 35%
• Outstanding balances 30%
• Length of credit history 15%
• New Credit Accounts 10%
• Types of credit accounts 10%
Companies use credit scores to make decisions such as whether to offer you a mortgage, credit card, auto loan, or other credit product. They are also used to determine the interest rate you receive on a loan or credit card, and the credit limit.
Usually, a higher score makes it easier to qualify for a loan and may result in a better interest rate. Most credit scores range from 300-850.
What is a credit report?
A credit report is a statement that has information about your credit
activity and current credit situation such as loan paying history and
the status of your credit accounts.
Credit reporting companies, also known as credit bureaus or consumer reporting agencies, collect and store financial data about you that is submitted to them by creditors, such as lenders, credit card companies, and other financial companies. Creditors are not required to report to every credit reporting company.
Lenders use these reports to help them decide if they will loan you money, what interest rates they will offer you. Lenders also use your credit report to determine whether you continue to meet the terms of an existing credit account. Other businesses might use your credit reports to determine whether to offer you services also.
How long does negative information remain on my credit report?
A credit reporting company generally can report most negative information for seven years. Information about a lawsuit or a judgement against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Bankruptcies can stay on your report for up to ten years. Even though the credit reporting companies usually won’t report this negative information after the seven year limit, they still may keep your information on file.
Why hire a professional to help improve my credit?
For the same reasons you would consult a doctor if you’re not feeling well, or a mechanic if you’re check engine light comes on. The reason is because they have the experience, knowledge and resources to help you resolve the current issue you may be facing.
A professional Credit Repair Specialist is familiar with all the laws and agencies that govern and regulate the credit industry. This knowledge allows your Credit Specialist to navigate you through what works and what doesn’t and determines if Credit Repair is right for you.
It is important to know you are working with a company that not only has the professional experience to help you reach your credit goals, but are also confident enough in their service to provide them to you with a money back guarantee for any reason.
(877) 658-1111
What is found on a Credit Report?
Personal information
Credit accounts
Collections / Public records
Credit Recovery Pro Has Helped Clients Remove:
Late Payments
Collections
Foreclosure
Charge Offs
Tax Liens
Repossessions
Judgments
Bankruptcy
Inquiries
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