Credit Repair By TruPro Credit

Absolutely, and for many reasons. The obvious one being that a creditor has erroneously submitted it to a credit bureau. Many consumers' credit reports are incomplete and inaccurate. By law, Credit bureaus are obligated to remove erroneous account information in an expedient manner. Credit bureaus and even government officials employed by the federal trade commission want you to believe that it is not possible to delete bad credit from your credit report. We delete them on a daily basis.

An individual with bad credit will not be able to obtain a prime credit card. There are a few credit cards available for individuals with bad credit, they are called sub-prime credit cards that usually come with exorbitant set-up fees, high interest rates and often require cash deposits. Most of these credit card issuers do not report your positive credit card activity to the credit bureaus.

It is possible although the way in which TruPro disputes and contests the procedure in which the original creditor used to go about submitting the account to the credit bureaus minimizes this possibility. Furthermore, should a previously deleted item ever reappear, TruPro shall remove it free of charge.

Anyone can correct his or her own credit. Let's face it, many of us could represent ourselves in the court of law or file our own taxes as well, but we would rather hire lawyers and accountants. TruPro offers a professional alternative to correcting your credit profile. Due in part to the fact that creditors and credit reporting agencies do not want to remove negative items from consumers profiles, they will use a variety of roadblocks and bureaucratic red tape to delay the process and elude the credit laws. We are all too familiar with these tactics and have developed the best known plan of action to combat and obligate the creditors as well as the credit reporting agencies to adhere to and abide by all the rules and regulations of the Federal government. It has been our experience and for many reasons that the majority of creditors and the credit reporting agencies themselves have had much difficulty following proper Federal procedure either in handling and/or submitting a negative account to be placed on a consumers credit profile.

Download, print and sign the documents in the credit repair package (a link has been provided below )and either mail them to TruPro or you may Fax these documents to (888) 269-8517. Be sure to include copies of your personal information necessary to begin the process. A list of acceptable personal information is listed on page two of the credit repair package.

We can correct your credit profile. We remove negative items that have an adverse effect upon your credit rating. After we receive either your three in one report or each profile from Experian, Trans Union and Equifax and your personal information we will begin to dispute on your behalf all items that you wish for us to remove from your profile. You can specify which ones or request for all of them to be removed.

We are very different from non-profit counseling agencies, first and foremost because we work for you and not the creditors which sponsor these types of agencies. And remember, the way they keep their sponsorship is by collecting money for them. They may say they work for you, but we all know in the end, that they work for whoever pays the bills. This means they are nothing but collection agents, sponsored by your lenders and creditors.

Simply put, it creates more work for them without a margin for profit. And it makes them look bad in front of their subscribers. A person with bad credit has a seventy percent 70% higher rate of inquiries made on their credit report thereby increasing the profit potential for the credit bureaus that charge anywhere from three(3) to five (5) dollars per report. The issue is not always whether the information is accurate or not, but are the credit reporting agencies able and willing to prove it and verify it. If your defense is properly presented, it is usually more troublesome and costly for the credit reporting agencies to legally verify the information on your report than to delete it.

Absolutely. We do remove items of public record such as Bankruptcies and have done so for many of our past clients. This includes Tax liens whether Federal or State as well as Civil Judgments. These are all considered items of public record.

Our clients typically start seeing results in 45-60 days. Because everyone's case is different, some cases are completed in that time, and others can take 6 months or longer. It really depends on the type and number of items that need to be addressed in the credit profile. Successfully repairing credit requires persistence, patience and experience. This is where TruPro's expertise saves you valuable time. To effectively dispute incorrect information on your credit report, the key is knowing the 'valid disputes' and understanding the methods used by the credit bureaus in order to submit personalized disputes that meet their requirements and warrant a timely response.

In addition, we offer a valuable time-saving service, known as the Next Day Service, which can be applied to any of our custom programs to expedite your credit report repair process. Send us your information (to be received by 2:00 p.m. EST) and we'll create your custom dispute letters and mail them to the three major credit bureaus within 24 hours!

As TruPro is engaged in the dispute process with the credit bureaus, your score may change periodically. When disputing 'negative' information on your credit report, the credit bureaus will remove the item(s) in question until it is verified, modified, or deleted.

Since we are disputing 'negative' items on your report, your score may increase during the process because the negative item is removed until it is verified. This temporary score is not necessarily an indicator of your final credit score. (Disputing personal information such as an incorrect address or date of birth will not affect your credit score.)

Upon completion of the dispute process, your credit report will then show the new score. Keep in mind that each credit bureau has different criteria for determining your score, which is why your score varies from bureau to bureau.

During this time, we recommend that you apply the methods listed in our e-manual: What You Need to Know about Credit, available through our Education Center. The document includes methods for improving your credit score as well as your specific consumer credit rights. You have the right to be considered fairly, without discrimination when applying for credit. The Equal Credit Opportunity Act (ECOA) ensures that all consumers are given an equal chance to obtain credit. This doesn't mean that every consumer who applies for credit will receive it. Factors such as income, expenses, debt, and credit history are considerations for creditworthiness.

The law protects you when you deal with any creditor who regularly extends credit, including banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions. Anyone involved in granting credit, such as real estate brokers who arrange financing, is covered by the law. Businesses applying for credit also are protected by the law.

During the credit repair process, we will continually work together and keep you informed of the status of your case. We will be forthright with our information and even discourage you from pursuing lengthy disputes if we suspect that your chances of having the credit bureau remove the item in question are improbable. We do not want you spending money needlessly. The timeliness of the credit repair process also depends on the credit bureaus. Their response times are inconsistent and unpredictable, at times quickly investigating and responding and at other times using stall letters, or not even responding. Ultimately, the decision in terms of the time you are willing to pursue disputes is up to you. We are here to provide the best credit repair services available for as long as you choose.

Before you send us your reports, remember to make a copy of them and any other relevant documentation for your records. The most efficient way to get us your reports is to order them online and email them to us as an attachment, preferably as a .PDF. You can also physically mail "COPIES OF THEM" to us. Go to our Contact Us page to get mail and fax information.

If you ordered your reports online and experience any difficulty in downloading or forwarding them to us, please contact us and we will walk you through the process. We will inform you upon receipt of your credit report.

By September, 2005, every consumer will be able to get a copy of their credit report for free. A recent amendment to the Federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months, from www.annualcreditreport.com.

You can expect serious results from TruPro's program: we've been providing unique, personal credit repair services since the owner of TruPro Marketing LLC., first realized the need to assist his clients in 1993.

Our credit report repair program is a comprehensive service. Yes, we send out credit dispute letters and correct negative information on your reports, but we also consult deeply on the other influential portions of your credit. Our human touch lets TruPro's clients optimize their credit beyond results from automated credit repair products.

Most credit repair firms will attempt to fix negative records from the past, nothing more. TruPro not only helps restore your credit history, we empower our clients with information. This lets our clients make educated decisions and transactions in the future, helping maintain and improve their positive credit rating.

For our part, we work to remove negative and inaccurate items from your credit history. In addition, we work to optimize less obvious score influences as well using a combination of education, consultation, and tailored strategies for your credit situation.

Your personal credit repair team will work with you as needed, making sure that you know the best way to pay down certain balances, how to gain and grow new credit, and our consultants can help you better understand how the credit repair process works.

That you remain "current" on all of your monthly payments for the duration of your use of our credit repair services. If you do fall behind, please let us know immediately so that we can seek to minimize damage to your credit.