720 CreditPros

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Embark on your journey to financial empowerment with our Credit Evaluation Consultation Service. Our expert team collaborates with you to assess your 3-bureau credit report, identify negative and incorrect items, and outline dispute processes for resolution with 720 Credit Pros.

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Credit Dispute Check-Ins

Experience the positive evolution of your 3-bureau credit report through our 6-week check-ins. We consistently identify and resolve negative and inaccurate items, initiating disputes with the bureaus, continual enhancement of your credit score and overall financial well-being.

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Unlock your financial empowerment with 720 Credit Pros Coaching Plan. Our experienced money coaches provide personalized guidance and accountability to help you achieve your long and short financial goals, offering practical tools, empowering you to make date driven choices for a secure and prosperous future.

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Founder Thomas Barry

From the Heart: The Inspiring Journey Behind 720 Credit Pros

720 Credit Pros was founded from a heartfelt desire to empower individuals on their journey to financial well-being. Having personally navigated the challenges of credit repair and money management, I've witnessed the transformative impact of personalized services in reshaping lives and instilling confidence. Our vision is rooted in the belief that everyone deserves a chance to achieve their financial goals, and through our commitment to providing knowledge, tools, and support, we aim to guide individuals towards lasting financial empowerment. Join us on this journey to break free from financial constraints and build a legacy of empowerment together.

3 Credit Bureau Report

Trial of Credit Hero Score
$ 1 7 day Trail
  • Credit Monitoring
  • Identity Theft Protection
  • After the 7/day trail, its $24.99 a month

Initial Consult & Setup

720 Credit Pro's
$ 99
One Time Fee
  • Audit your report
  • Identify Errors & Inaccuracy
  • 1st Round Dispute Letters

Money Coaching 1-on-1

Personalized Financial Guidance
$ 149
  • Personalized Plan
  • Confidence in Money Management
  • Accountability and Support

Dispute Management

Reviews of Your Credit Report
$ 74
  • Continues Review
  • 2nd, 3rd,& 4th Rounds of Dispute Letter
  • Ongoing Assessment Every 6 Weeks

Seize Your Freedom, Take the First Step Now – Reclaim Your Credit and Cultivate a Better Relationship with Money!

Get ready to take control and reclaim your financial freedom! Don't wait – act now and grab the chance to enhance your credit profile.

720 Credit Pros has a proven track record of assisting clients in eliminating questionable negative items, such as:

Options for credit repair

What clients have said about us:

“Transformative! My credit journey turned around swiftly with their assistance. Securing credit cards with great perks is now a reality. Grateful for their expertise!”

James Anderson

“Incredible results! My credit score soared after their expert guidance. Now, I’m confidently securing loans. Thanks!”

Sarah Thompson

“Life-changing experience. Their personalized approach got me mortgage-ready. Highly recommend this credit repair service for fast, effective results!”

David Rodriguez

“Amazing service! They navigated credit challenges seamlessly. Now, I’m enjoying lower interest rates and financial freedom. Thank you!”

Emily Parker

Some Answers to Top Questions:

Credit repair involves the process of identifying, disputing, and rectifying inaccuracies or negative information on your credit report to improve your credit score. Here’s a detailed breakdown of how credit repair works:

  1. Assessment and Analysis:
    • Begin by obtaining copies of your credit reports from major credit bureaus (Equifax, Experian, and TransUnion).
    • Thoroughly review each report to identify inaccuracies, such as incorrect personal information, outdated accounts, or erroneous negative entries.
  2. Dispute Inaccurate Information:
    • Compile a list of inaccuracies and discrepancies in your credit reports.
    • Draft dispute letters to the credit bureaus, clearly outlining the errors and providing supporting documentation.
    • Credit bureaus are required to investigate disputes within a specific timeframe (usually 30 days) and correct or remove inaccurate information.
  3. Communication with Creditors:
    • In parallel with disputing with credit bureaus, communicate directly with the creditors reporting the inaccuracies.
    • Request validation of debts and negotiate settlements or payment arrangements if applicable.
    • Some negative information, like late payments or charge-offs, can be negotiated for removal or updated to reflect a more positive status.
  4. Establish Positive Credit Habits:
    • Improve your credit behavior by consistently making on-time payments for current accounts.
    • Consider opening new credit accounts, such as secured credit cards, to establish positive credit history.
    • Diversify your credit mix by having a combination of credit cards, installment loans, and retail accounts.
  5. Monitor Progress:
    • Regularly monitor your credit reports to track the progress of dispute resolutions and the overall impact on your credit score.
    • Keep a close eye on your credit utilization ratio, payment history, and other factors influencing your credit score.
  6. Patience and Persistence:
    • Credit repair is often a gradual process, and improvements may take time.
    • Be persistent in following up with credit bureaus and creditors to ensure the accurate reporting of your credit information.

Remember, while credit repair can help address inaccuracies, it cannot remove accurate negative information. Building positive credit habits and demonstrating responsible financial behavior are crucial for long-term credit health.

The duration of credit repair can vary significantly depending on various factors, including the complexity of the issues on your credit report, the responsiveness of credit bureaus and creditors, and the strategies employed. Here are some general guidelines:

  1. Initial Dispute Process:
    • The initial dispute process typically takes around 30 to 45 days. During this time, credit bureaus are required to investigate and respond to your disputes.
  2. Resolution of Disputes:
    • Resolving disputes may take additional time, especially if there are multiple inaccuracies or if further documentation is required.
    • Creditors may take varying amounts of time to respond to disputes or provide validation of debts.
  3. Improvements in Credit Score:
    • While some individuals may see improvements in their credit score within a few months, significant changes may take six months to a year or longer.
    • Establishing positive credit habits and maintaining them consistently contributes to gradual score improvement.
  4. Credit Score Factors:
    • The impact of credit repair on your score depends on the specific factors affecting your credit. For instance, late payments may have a different timeline for improvement compared to more complex issues like bankruptcies.
  5. Ongoing Monitoring and Maintenance:
    • Even after initial improvements, ongoing monitoring and maintenance are crucial. Regularly check your credit reports for updates and continue practicing responsible financial habits.
  6. Individual Circumstances:
    • Individual circumstances play a role. Some people may experience faster results if their credit issues are relatively straightforward, while others with more complex situations may require more time.
  7. Professional Assistance:
    • If you choose to work with a credit repair agency, their processes and timelines can vary. It’s important to be aware that there are no guarantees of specific results within a set timeframe.

In summary, credit repair is a process that requires patience and persistence. While initial improvements may be seen within a few months, achieving significant changes in your credit score and maintaining positive credit health is an ongoing effort that may extend over several months to a year or more. Consistency in addressing inaccuracies, responsible financial behavior, and regular monitoring are key elements in the credit repair journey.

The types of negative items that can potentially be removed from your credit report through the credit repair process include:

  1. Inaccurate Information:
    • Any inaccuracies in your personal information, such as incorrect names, addresses, or employment details, can be disputed and corrected.
  2. Late Payments:
    • Late payments reported in error or due to extenuating circumstances may be subject to dispute and possible removal.
  3. Collections:
    • Accounts that have been sent to collections may be disputed if there are inaccuracies or if a settlement agreement has been reached with the creditor.
  4. Charge-offs:
    • Charge-offs occur when a creditor writes off a debt as unlikely to be collected. Negotiating a settlement and having the charge-off updated or removed is a possible avenue for credit repair.
  5. Bankruptcies:
    • While bankruptcy is a severe negative item, inaccuracies in reporting or the completion of the bankruptcy process may be grounds for dispute.
  6. Foreclosures:
    • If there are inaccuracies related to a foreclosure, or if you reach an agreement with the lender that involves updating the status, it may be possible to have it corrected.
  7. Repossessions:
    • Like other negative items, inaccuracies or settlements with the lender may provide grounds for disputing and potentially removing a repossession from your credit report.
  8. Judgments:
    • If there are errors in the reporting of judgments or if they have been satisfied, you may be able to dispute and have the information updated.
  9. Tax Liens:
    • Inaccuracies related to tax liens or successful resolution of the tax debt may provide a basis for dispute and removal.

It’s important to note that accurate negative information generally cannot be removed. However, credit repair efforts often focus on addressing inaccuracies, negotiating settlements, and ensuring that all reported information is fair and in compliance with relevant laws. Working with credit bureaus, creditors, and, in some cases, credit repair professionals can help navigate the complexities of the dispute process and increase the chances of successful removal or updating of negative items on your credit report.

Yes, you can absolutely repair your credit on your own. Here’s a step-by-step guide on how to go about it:

  1. Obtain Your Credit Reports:
    • Request free copies of your credit reports from the major credit bureaus (Equifax, Experian, TransUnion) through AnnualCreditReport.com.
  2. Review Your Credit Reports:
    • Carefully examine each report for inaccuracies, discrepancies, or negative items that can be addressed.
  3. Dispute Inaccuracies:
    • Draft dispute letters to credit bureaus, clearly stating the inaccuracies and providing supporting documentation.
    • Follow up with credit bureaus during the investigation process, ensuring the timely resolution of disputes.
  4. Communicate with Creditors:
    • Reach out to creditors directly to address and resolve outstanding issues.
    • Negotiate settlements, payment plans, or seek validation of debts as needed.
  5. Establish Positive Credit Habits:
    • Focus on building positive credit habits, such as making on-time payments and keeping credit card balances low.
    • Consider diversifying your credit mix by responsibly using different types of credit.
  6. Set Realistic Goals:
    • Establish realistic goals for credit improvement and monitor your progress regularly.
  7. Stay Informed:
    • Stay informed about your rights under the Fair Credit Reporting Act (FCRA) and other relevant consumer protection laws.
  8. Monitor Your Credit:
    • Regularly check your credit reports to track changes and ensure accuracy.
    • Utilize credit monitoring tools to stay informed about any updates to your credit profile.
  9. Be Patient and Persistent:
    • Credit repair is a gradual process, and improvements may take time. Be patient and persistent in your efforts.
  10. Educate Yourself:
    • Take the time to educate yourself about credit scores, how they are calculated, and what factors influence them.
    • Use reputable resources and information to make informed decisions throughout the credit repair process.

While you can navigate credit repair on your own, it’s important to note that professional assistance is available if needed. Credit counseling agencies and reputable credit repair services may offer guidance and support, but be cautious of scams and do thorough research before seeking external help. Ultimately, by taking proactive steps and staying committed to improving your credit, you can make significant progress on your own.

The cost of credit repair can vary depending on whether you choose to undertake the process on your own or seek professional assistance. If you decide to handle credit repair independently, there are typically no upfront costs, as you can obtain your credit reports for free and dispute inaccuracies without external fees. However, if you opt for professional help, costs may be involved. It’s crucial to be cautious and thoroughly research any credit repair service, as there are both legitimate and potentially fraudulent entities in the industry.

For those considering professional assistance, pricing structures can vary. Some credit repair services may charge an initial consultation and setup fee, ongoing monthly fees for disputing inaccuracies, and possibly additional fees for specialized services such as money coaching. It’s important to carefully review the terms and fees associated with any credit repair service before engaging their services. Additionally, keep in mind that the effectiveness of credit repair services can vary, and success is not guaranteed.

Ultimately, whether you choose the DIY approach or opt for professional help, being well-informed about your rights, understanding the credit repair process, and staying vigilant in monitoring your progress are key factors in achieving successful credit repair.

It’s essential to understand that there are no guaranteed results in credit repair. The effectiveness of credit repair efforts, whether done independently or with the assistance of professional services, can vary based on several factors.

If you choose to handle credit repair on your own, success is contingent on the accuracy of your dispute claims, the responsiveness of credit bureaus and creditors, and the complexity of your credit profile. While inaccuracies and errors can often be corrected, accurate negative information may remain on your credit report.

If you opt for professional credit repair services, it’s crucial to be cautious. Legitimate credit repair companies should not guarantee specific outcomes, as they cannot control the decisions made by credit bureaus or creditors. Be wary of any service that promises guaranteed results, quick fixes, or removal of accurate negative information, as such claims may be indicative of fraudulent practices.

Success in credit repair often requires time, patience, and persistence. The focus should be on addressing inaccuracies, negotiating settlements, and building positive credit habits for long-term improvement. Before engaging any credit repair service, thoroughly research their reputation, reviews, and fees, and be aware that ethical companies will provide realistic expectations rather than guarantee specific results.

Yes, you can still access credit while undergoing credit repair. Engaging in credit repair activities does not automatically disqualify you from obtaining new credit. However, it’s important to be aware of a few considerations:

  1. Interest Rates and Terms:
    • While you can apply for new credit, you may encounter higher interest rates or less favorable terms if your credit score is currently lower due to negative items. Lenders often use credit scores to assess risk, and a lower score may result in less favorable terms.
  2. Secured Credit Options:
    • Consider applying for secured credit cards or loans. These products require a security deposit, providing a lower risk for lenders and increasing your chances of approval.
  3. Credit Builder Loans:
    • Some financial institutions offer credit builder loans designed to help individuals establish or rebuild credit. These loans typically have lower approval requirements.
  4. Co-signers:
    • If possible, having a co-signer with a stronger credit history may increase your likelihood of approval for certain credit products.
  5. Alternative Credit Data:
    • Some lenders consider alternative credit data, such as rent payments or utility bills, when evaluating creditworthiness. Explore options that take a holistic view of your financial history.
  6. Monitor Your Credit:
    • Keep a close eye on your credit reports to ensure that the credit repair process is progressing, and any inaccuracies are being addressed promptly.
  7. Maintain Responsible Credit Habits:
    • Focus on maintaining responsible credit habits during the repair process. Make on-time payments, avoid maxing out credit limits, and manage your credit responsibly.

Remember that the ultimate goal of credit repair is to improve your creditworthiness over time. While you may face some challenges in accessing credit during the repair process, it’s still possible to obtain credit by exploring alternative options and making informed choices.

A Money Coach is a professional who provides personalized financial guidance and coaching to individuals seeking to improve their overall financial well-being. Money Coaches typically work with clients on a one-on-one basis to address specific financial goals, challenges, and concerns. Their role encompasses a wide range of financial topics, including budgeting, debt management, savings, investment strategies, and long-term financial planning.

Money Coaches assist clients in developing a clearer understanding of their financial situation, helping them set realistic goals and create actionable plans to achieve those objectives. They may provide education on financial literacy, offer insights into effective money management practices, and help clients navigate financial decisions.

Unlike traditional financial advisors, Money Coaches often focus on the behavioral and psychological aspects of money management, helping clients understand and modify their attitudes and behaviors toward money. They can empower individuals to make informed financial decisions, cultivate healthy financial habits, and work towards building a more secure and prosperous financial future.

It’s important to note that the services offered by Money Coaches can vary, and individuals seeking financial coaching should carefully evaluate the qualifications and expertise of potential coaches to ensure they align with their specific needs and goals.