How It Works
When it comes to financial health and opportunities, we often wonder how to improve our FICO® score. But why is this?
When a lending agency runs your credit score, they receive reports from 1-3 different bureaus. Each bureau reports largely the same information and basically gives an idea of your credit worthiness. To sum up their risk, lenders specifically look at your FICO® score. FICO® scores range from 300-850, and the higher your score, the less risk assumed by the lender. Ideally, you want your score to be above 680, or else you are looking at paying higher rates on your loans, if you even are approved at all.
Here at Credit Pro we have perfected the means to efficient credit enhancement. We do not perform credit repair, per se, though we can refer you to reputable agencies that do. Instead, we take the path toward credit enhancement. We work with numerous investors throughout the nation who provide us with worthy credit tradelines that we can use to help people just like you. By adding tradelines to credit with positive history, your credit is on the path toward improving.
Understanding your credit
Your credit score is broken down into the following factors:
Payment History 35%
Getting Started – The Process
Once you have determined exactly what level(s) and line(s) that you need with your credit consultant, your consultant will email you an electronic agreement and you can fill out everything you need to get the process started online in less than 5 minutes.
Once we receive the agreement back, we will confirm your name and ssn through Lexis-Nexis or similar database to confirm your identity and SSN. In order to help combat fraud, we will not add tradelines to any number other than your original issued SSN.
CPN’s, TIN’s or SSN’s that are proved to be linked to any other person violates our contract and shall not be eligible for a refund.
After confirming your identity, we begin the process of adding your tradeline(s). If you purchase our standard processing time, you should begin to look for your lines between 4 and 8 weeks after we receive your signed agreement. If you choose the expedite option, you can begin looking for your lines in about 2-3 weeks.