Frequently Asked Questions
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
How long does it take to repair my credit?
Each situation is different. We generally tell all of our clients that they can expect anywhere from 3 months to see a noticeable difference…
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.
Please understand that credit repair is a 6-12 month process maybe even more depending on your situation. Approximately 60 days from the time you sign up you will receive a new, updated 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 so we can continue to work for you toward repairing your credit. 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)
Probably sounds easy, but if you ask someone who has attempted to dispute their own credit, they will tell you it’s actually not. According to federal law, the credit agencies can ignore your dispute under a variety of conditions. A large percentage of dispute letters sent directly from consumers are rejected under one credit agency pretext or another. Making it a very time consuming and frustrating task.
After we dispute your negative erroneous credit, a new copy of your credit report will be sent to your address showing any deletions or improvements. When you receive your new copy you’ll send us the updated version of your credit report, so we can continue disputing the remaining negative erroneous items.
Any accurate and verifiable information will remain on the credit report. All too often, disputed credit items cannot be verified or in many instances the creditor will not respond to our dispute due to our approach and the negative erroneous item is removed.
• Late Payments
• Charge Offs
• Personal Identification changed or corrected
• Closed Accounts
• Negative Settlements
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.
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
100% Money-Back Guarantee:
When we work on your file, we expect results – and so should you! If The Credit Pros fails to force the removal of any erroneous credit within the first 90 days you are entitled to a full and complete refund of every dollar spent.