Frequently Asked Questions

FAQS

Full disclosure and transparency in what we do and how we do Credit Repair.

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What is a credit report?

A credit report is a track record of both your personal and financial credit information. Which includes information taken from public records, personal identification and debt information.

How many credit bureaus are there?

There are 3 major credit bureaus: Equifax, Transunion, and Experian

Who can see my credit reports?

Our credit service specialists are the only ones who will see your credit reports, however if you are applying for a job, employers may review your credit file and if you are in the process of trying to get financing on a home, auto, credit card, charge card or personal loan.

A credit report is a track record of both your personal and financial credit information. Which includes information taken from public records, personal identification and debt information.
There are 3 major credit bureaus: Equifax, Transunion, and Experian
Each one of the three major credit bureaus will reflect at least one-third of your total credit history. If you are requesting a credit card, someone can look at your Equifax report and find nothing that would keep the credit card company from issuing you the card. However, they might also look at your other reports, Transunion and Experian, and find flaws in your credit file.
Within 3 to 5 business days from the time you sign up our specialists will begin working with by sending letters addressing the inaccurate items on your credit reports.
Approximately 60 days from the time you sign up you will receive a copy of your credit reports from the credit bureaus (Transunion, Equifax & Experian) if you have a credit monitoring service. When you receive all three of your updated credit reports, just slip them into an envelope and mail them to us. All you have to do is continue to send the updated copies of your reports as you receive them. If you have access to a fax machine you may also send your files to us via fax as well. Many companies do not allow you to fax your reports, however, we believe in keeping the process as simple as possible for you. If it is more convenient, you may fax your updated reports to us as you receive them throughout your entire service, 24hrs a day! (See “Contact Us” on our home page for where to send your reports)
There is no definite answer, however normally 45-60 days including processing and mailing time from the credit bureaus. We typically suggest that you will receive your reports within 60 days of signing up. If you do not, you can always contact a representative or email us for an update of your service.
Unfortunately, the credit reporting system just doesn’t work that way. When you pay your debt, the negative erroneous credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. In most cases, you won’t get much further by paying the old debt. We can recommend a debt negotiation service to help you in that situation…simply ask your representative.
Our credit service specialists are the only ones who will see your credit reports, however if you are applying for a job, employers may review your credit file and if you are in the process of trying to get financing on a home, auto, credit card, charge card or personal loan.

We understand that you have placed your trust in us and we take that responsibility seriously.This is why we want you to feel safe when working with us. The Credit Pros is committed to quality, achieving results, and providing “5 star level” client support.
We promise:
That you can cancel your service at any time
That no one will over-promise or guarantee a specific outcome
That your private information will be protected and secure
That you will be treated professionally and courteously
That all of your requests will be responded to in a timely manner

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