Credit reports play a very important role in determining how your financial future shapes out. They play a pivotal role in determining the kind of credit that you are eligible for, the interest rate you pay, the kind of premium you are charged for insurance and even influence your employment prospects! Be aware the prospective bosses will pull your credit as a form of reference. Very often people find that the records of late payments, foreclosures, judgments/liens, charge off, bankruptcies, collections, repossessions, inquires, identity theft/frauds and incorrect personal information have a negative influence on their credit reports. Credit restoration companies, like The Credit Pros, specialize in getting credit reports repaired the legal way. Many companies operate outside the legal boundaries. They may offer you a “Magic Pill” but beware that this does not exist. Credit restoration is a process but when done the correct way, it can be fulfilling to the client as their credit profile is improved, their interest rates are lowered, and they begin the road to financial recovery. Tips for identifying an unsavory operating credit repair business: 1. They charge a large sum of money upfront. The FTC is very clear that fees for credit restoration must be charged as services are performed and that a payment in advance is not allowed; 2. The company does not give you access to your file and the information on the progress of your disputes. For example, The Credit Pros provides you with free online tracking of your disputes 24 hours/ 7 days a week. Nothing is a secret! 3. The company operates with all appropriate license and bonding that allows your fees to be secured in the case that there is a dispute about services. ALL CREDIT RESTORATION COMPANIES MUST HAVE APPROPRIATE LICENSING AND SURETY BOND WITH THEIR APPROPRIATE GOVERNMENTAL AGENCIES INSIDE THEIR JURISDICTION! Credit restoration allows Americans to no longer worry about credit application rejections or higher interest rates. They ensure that negative and inaccurate information is removed from your credit reports in a legal and hassle free manner.