ABOUT US
ABOUT US
Personalcreditpros.com facilitates credit repair services utilizing the Apollo credit processing system.
Personalcreditpros.com is a division of Unlimited, LLC and is the brainchild of the owner, Jarred Starman. My story is like many others’, credit?, who needs it if I’ve got cash, I’ll worry about that later. I couldn’t have been more wrong about that statement. Long story short, I wasn't a very good steward of my credit for most of my early life. I took a chance and moved to southwest Florida for a job and then I felt the impact of my past credit decisions. I wanted to buy a house and they are not cheap where I am at, so I applied for credit, but I was denied. I was told to “fix my credit”. I needed to increase my credit by over 120 points! To make matters worse my landlord and I were in a month to month contract and he decided to sell the house I was renting
during the 2021 housing boom. I was in, what I thought, was an impossible situation. So, I got a company to do credit repair. I gave them money and although they changed my credit some, it wasn’t enough to qualify me for a loan. So I said, if I’m in this situation then so are many other Americans and I can help. I learned what to do, found experts, contracted with them to help me and others like me fix the credit problems. When I had the right people helping, my credit improved in 30 Days! and over the next 60 days I went From a 605 to 757. I was able to qualify for a mortgage and bought my dream home with 1.1 acres. I am the first customer of personalcreditpros.com. I 100% stand behind what we do, I know what it will take to get results. We are committed to helping you achieve a better credit score.
We take a hands-on approach focused on customer service and getting RESULTS!! We utilize different methods to repair credit. We certify mail dispute letters, and the customer gets the signed "return green card". Another thing we use is Title 15 of the United States Code, Section 1681, also known as the Fair Credit Reporting Act (FCRA), is a federal law that regulates credit reporting and establishes procedures for correcting errors on credit reports and protecting consumers from inaccurate or incomplete information in credit reports.
Here are some specific sections and subsections of Title 15 USC 1681 that are relevant to disputing inaccuracies on credit reports:
Section 1681i(a)(1)(A) states that a consumer has the right to dispute the completeness or accuracy of any information in a consumer's file with the credit reporting agency.
Section 1681i(a)(1)(B) states that the credit reporting agency must reinvestigate the disputed information, unless the agency determines that the dispute is frivolous.
Section 1681i(a)(2) states that the credit reporting agency must delete or modify the disputed information, if the agency determines that the information is inaccurate or cannot be verified.
Section 1681i(a)(3) states that the credit reporting agency must provide written notice of the results of the reinvestigation to the consumer, and to any person who requested the consumer's credit report within the previous six months.
Section 1681i(a)(4) states that if the reinvestigation does not resolve the dispute, the consumer has the right to file a statement of dispute with the credit reporting agency, which must be included in any future credit reports furnished to third parties.
Section 1681i(a)(5) states that if the credit reporting agency finds that the dispute is frivolous or irrelevant, they may not charge the consumer for the reinvestigation.
Section 1681g(a)(1) states that if a consumer requests a credit report, the credit reporting agency must provide the consumer with a copy of their credit report and a summary of their rights under the FCRA, including their right to dispute inaccurate information on their credit report.
Another method we use is using the Consumer Financial Protection Bureau (CFPB).
The Consumer Financial Protection Bureau (CFPB) method is a process for removing derogatory information and late payments from credit reports. The CFPB is a government agency that oversees consumer financial protection laws and regulations.
The CFPB method involves a two-step process: first, the consumer contacts the credit bureau and disputes the derogatory information or late payment; second, the consumer contacts the creditor or information provider that reported the derogatory information or late payment to the credit bureau.
First step,
in the CFPB method is to contact the credit bureau and dispute the derogatory information or late payment. The credit bureau will then investigate the dispute and remove or correct any errors that are found.
Second step,
is to contact the creditor or information provider that reported the derogatory information or late payment to the credit bureau, and ask them to verify the information. If the creditor or information provider cannot verify the information, they are required by the Fair Credit Reporting Act to remove the information, they must do it within 30 days.
Lastly, we will go as far to use the "Attorney General method". The Attorney General (AG) method is a process for removing derogatory information, late payments, and closed accounts from credit reports. This method involves contacting the state Attorney General's office and filing a complaint against the creditor or credit bureau that reported the inaccurate information.
The AG method typically involves the following steps:
Gather evidence: Collect any documents that support your claim, such as bank statements, credit reports, and correspondence with the creditor or credit bureau.
File a complaint: Contact the state Attorney General's office and file a complaint against the creditor or credit bureau that reported the inaccurate information. The AG's office will then investigate the complaint and take appropriate action.
Follow up: Follow up with the AG's office to ensure that your complaint has been received and is being investigated.
Seek legal help: If the AG's office is unable to resolve the issue, you may consider seeking legal help to file a lawsuit against the credit bureau or creditor.
It's important to note that the Attorney General method may not be available in all states, and it's also not a guaranteed solution to remove derogatory information, late payments, and closed accounts from credit reports.
Additionally, the AG method may take longer than other methods to get a resolution.
It's also important to keep in mind that credit reporting agencies and creditors are required by law to investigate disputes and correct errors. However, if the information is correct, it will remain on your credit report for the time frame specified by the Fair Credit Reporting Act, which is seven years for most derogatory information.
Personalcreditpros.com facilitates credit repair services utilizing the Apollo credit processing system.
Personalcreditpros.com is a division of Unlimited, LLC and is the brainchild of the owner, Jarred Starman. My story is like many others’, credit?, who needs it if I’ve got cash, I’ll worry about that later. I couldn’t have been more wrong about that statement. Long story short, I wasn't a very good steward of my credit for most of my early life. I took a chance and moved to southwest Florida for a job and then I felt the impact of my past credit decisions. I wanted to buy a house and they are not cheap where I am at, so I applied for credit, but I was denied. I was told to “fix my credit”. I needed to increase my credit by over 120 points! To make matters worse my landlord and I were in a month to month contract and he decided to sell the house I was renting during the 2021 housing boom. I was in, what I thought, was an impossible situation. So, I got a company to do credit repair. I gave them money and although they changed my credit some, it wasn’t enough to qualify me for a loan. So I said, if I’m in this situation then so are many other Americans and I can help. I learned what to do, found experts, contracted with them to help me and others like me fix the credit problems. When I had the right people helping, my credit improved in 30 Days! and over the next 60 days I went From a 605 to 757. I was able to qualify for a mortgage and bought my dream home with 1.1 acres. I am the first customer of personalcreditpros.com. I 100% stand behind what we do, I know what it will take to get results. We are committed to helping you achieve a better credit score.
We take a hands-on approach focused on customer service and getting RESULTS!! We utilize different methods to repair credit. We certify mail dispute letters, and the customer gets the signed "return green card". Another thing we use is Title 15 of the United States Code, Section 1681, also known as the Fair Credit Reporting Act (FCRA), is a federal law that regulates credit reporting and establishes procedures for correcting errors on credit reports and protecting consumers from inaccurate or incomplete information in credit reports.
Here are some specific sections and subsections of Title 15 USC 1681 that are relevant to disputing inaccuracies on credit reports:
Section 1681i(a)(1)(A) states that a consumer has the right to dispute the completeness or accuracy of any information in a consumer's file with the credit reporting agency.
Section 1681i(a)(1)(B) states that the credit reporting agency must reinvestigate the disputed information, unless the agency determines that the dispute is frivolous.
Section 1681i(a)(2) states that the credit reporting agency must delete or modify the disputed information, if the agency determines that the information is inaccurate or cannot be verified.
Section 1681i(a)(3) states that the credit reporting agency must provide written notice of the results of the reinvestigation to the consumer, and to any person who requested the consumer's credit report within the previous six months.
Section 1681i(a)(4) states that if the reinvestigation does not resolve the dispute, the consumer has the right to file a statement of dispute with the credit reporting agency, which must be included in any future credit reports furnished to third parties.
Section 1681i(a)(5) states that if the credit reporting agency finds that the dispute is frivolous or irrelevant, they may not charge the consumer for the reinvestigation.
Section 1681g(a)(1) states that if a consumer requests a credit report, the credit reporting agency must provide the consumer with a copy of their credit report and a summary of their rights under the FCRA, including their right to dispute inaccurate information on their credit report.
Another method we use is using the Consumer Financial Protection Bureau (CFPB).
The Consumer Financial Protection Bureau (CFPB) method is a process for removing derogatory information and late payments from credit reports. The CFPB is a government agency that oversees consumer financial protection laws and regulations.
The CFPB method involves a two-step process: first, the consumer contacts the credit bureau and disputes the derogatory information or late payment; second, the consumer contacts the creditor or information provider that reported the derogatory information or late payment to the credit bureau.
First step,
in the CFPB method is to contact the credit bureau and dispute the derogatory information or late payment. The credit bureau will then investigate the dispute and remove or correct any errors that are found.
Second step,
is to contact the creditor or information provider that reported the derogatory information or late payment to the credit bureau, and ask them to verify the information. If the creditor or information provider cannot verify the information, they are required by the Fair Credit Reporting Act to remove the information, they must do it within 30 days.
Lastly, we will go as far to use the "Attorney General method". The Attorney General (AG) method is a process for removing derogatory information, late payments, and closed accounts from credit reports. This method involves contacting the state Attorney General's office and filing a complaint against the creditor or credit bureau that reported the inaccurate information.
The AG method typically involves the following steps:
Gather evidence: Collect any documents that support your claim, such as bank statements, credit reports, and correspondence with the creditor or credit bureau.
File a complaint: Contact the state Attorney General's office and file a complaint against the creditor or credit bureau that reported the inaccurate information. The AG's office will then investigate the complaint and take appropriate action.
Follow up: Follow up with the AG's office to ensure that your complaint has been received and is being investigated.
Seek legal help: If the AG's office is unable to resolve the issue, you may consider seeking legal help to file a lawsuit against the credit bureau or creditor.
It's important to note that the Attorney General method may not be available in all states, and it's also not a guaranteed solution to remove derogatory information, late payments, and closed accounts from credit reports.
Additionally, the AG method may take longer than other methods to get a resolution.
It's also important to keep in mind that credit reporting agencies and creditors are required by law to investigate disputes and correct errors. However, if the information is correct, it will remain on your credit report for the time frame specified by the Fair Credit Reporting Act, which is seven years for most derogatory information.
Your Personal 1 on 1
Credit Repair Specialist
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Contact Us
(888) 568-9423
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Division of Unlimited, LLC - Powered by APOLLO Credit Processing System
Your Personal 1 on 1
Credit Repair Specialist
Site Links
Company
Contact Us
(888) 568-9423