Pro Family Financial Systems

• How does it all work?

Credit reporting agencies have always tried to maintain the illusion that one could not repair their credit without a lengthy process of trial and error.

For over 16 years, Pro Family Financial Systems experienced financial consultants have been proving them wrong, time and time again, with our expert analysis and knowledge of how the FICO system works.

Errors occur in the credit scoring system more often than the CRAs would like you to know. A study released by the U.S. Public Interest Research Group in June 2004 found that 79% of the consumer credit reports surveyed contained some kind of error or mistake. This is one reason you are entitled by the FCRA to challenge items on your credit history. Unfortunately, few know how, or have the time, or are even successful in their attempt due to various reasons. That's where we come in.

• The details of our plan are as follows:

The process begins with you sending us an up-to-date copy of your credit report, preferably from all 3 credit bureaus. Although the FCRA entitles you the legal right to repair your credit, the credit bureaus will not provide these reports to your credit repair organization. Having these reports allows us to analyse the tradelines in detail, and determine the most effective methods to enhance your FICO score. If you do not currently possess a copy of your credit report, you may attain one here: http://www.truecredit.com

• We leave no stone unturned.

Our credit specialists will contact you within 1 business day of recieving your credit reports, and proceed to go over the various aspects of it with you. This way, you may specify the details of each account, improving our analysis of your situation, and opening up the possibilities for other techniques we may then make use of.

• Our analysis is then put into action...

Pro Family Financial Systems will then begin to dispute the negative tradeline information on your credit report, making use of a limitless variety of refined methods, gained through our years of experience in dealing with the credit bureaus and the FICO scoring system. Dependant on how much negative information is on your account, we will go through this process as many times as necessary to help you reach a prime score, and see the significant difference in your financial situation.

• We keep every angle covered, and constantly work to ensure it.

According the Fair Credit Reporting Act, section 611(a), the credit bureaus have a total of 30 days to provide proof of the discrepancy, and if they fail to do so, they must remove the derogatory information from your account. They will then forward you an updated copy of your credit report, which you may then send to us, while we continue to dispute even more negative information from your account.