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What Is a Credit Report?A credit report is a track record of both your personal and financial credit information. It includes information taken from public records, personal identification and debt information. Your report will show things like your payment history, your debt balances, items in default, items in collections, and who you owe money to.
What Is A Credit Score?
Your credit score is a 3-digit number between 300 and 850 that shows how creditworthy you are. Lenders use your credit score to decide whether or not you qualify for loans. They also use your credit score to determine your interest rate.
Credit scores are calculated using a 5-part formula, calculated based on the following factors: payment history, amounts owed, length of credit history, mix of types of credit, and amount of new credit.
Your credit scores don’t just influence your ability to get a loan at a good price, however. Employers check credit to make sure that their employees can be trusted with money. Landlords check reports to determine whether or not they are a risky tenant.
Using credit in this way is extremely common in our society, and because of this, having a good score can affect your financial future in more ways than one. If you have a poor credit score, you might benefit from credit repair.
The Credit Pros has been helping people like you repair their credit by updating inaccurate items for over a decade. Our commitment is to making sure that everyone has a fair shot at good credit. Founded by a team of credit law experts, The Credit Pros wants to make sure that everyone has access to the same information and can learn what it takes to build good credit for a lifetime.
Not only do we offer credit repair, but we also provide financial and credit education tools and resources to help our clients understand what’s on their report and how their credit score works. With this education and our AI-based credit management tools, our clients can work to take control of their financial future and live a life without credit worries.
Schedule a FREE consultation for credit repair services today!
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The credit repair process starts with a free online credit evaluation. We at The Credit Pros will take a look at your credit report to see what we can do to repair your credit. Your report will have many items on it, some of which are negatively impacting your credit scores. We will do whatever we legally can to remove those inaccurate negative items while giving you actionable advice on how to improve the positive credit you’ve worked so hard for.
According to the Fair Credit Reporting Act, everyone is allowed to dispute information on their report that they deem to be inaccurate, or information that is no longer allowed to be on a report.
In 2015, it was found that 23% of consumers found inaccurate information on their credit reports, and that’s just those who looked for them! This could have drastic negative effects on your credit score.
Credit bureaus (Experian, TransUnion, and Equifax) are required to remove information that isn’t supposed to be on a consumer’s report. This includes information that is inaccurate, information that was supposed to be removed, and incidences of potential fraud.
Our credit repair service looks for inaccurate or otherwise erroneous items on your report and takes care of the dispute process. We contact each credit bureau, dispute each item, and go through the process required to get those items removed or updated to the correct status. Our proven credit repair process has helped over 100,000 people in the United States!
Schedule a free credit consultation with The Credit Pros today!
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