Your credit.
Finally explained.
Most people do not have bad credit. They have a report nobody has ever read to them.
Score Pros is a credit repair company that starts with the explanation: what is on your three bureau reports, which items are actually costing you, what can be challenged, and what cannot. Then we tell you whether you need us.
For you if: collections, charge-offs, late payments, or a report that stopped making sense
Free. No obligation. Month to month, cancel anytime, no long-term contract.
Start with a free Credit Clarity Session
A real person reads your situation, calls you within one business day, and tells you what is actually going on. You are not signing up for anything here.
Tell us what is going on
Five fields. We call you within 1 business day, or you can reach us now at (949) 430-6622.
You're on the list.
A Score Pros credit specialist will call you within 1 business day to schedule your Credit Clarity Session. Check your email for a confirmation.
Want to move faster? Call (949) 430-6622, Mon to Fri 9am to 6pm PT.
Why credit feels so frustrating
If credit were simple you would not be here. These are the five reasons people actually call us, and what is really happening underneath each one.
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You paid the collection and your score barely moved
Paying a collection does not erase it. The account stays on your report for up to seven years from the original date of first delinquency, then reads as a paid collection instead of an unpaid one.
Whether that helps depends entirely on which scoring model the lender pulls. Older FICO versions, still standard in a lot of auto and card underwriting, treat a paid collection almost the same as an unpaid one. Newer models like FICO 9 and VantageScore 4.0 ignore paid collections. Same file, same payment, two different answers. That is not an error in your report. That is two scoring models reading the same line differently.
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Your score moves and nobody tells you why
There is no single score sitting in a vault somewhere. A score is calculated the moment someone pulls it, from whatever your report says that day.
Creditors report on their own schedules, usually monthly, and they do not coordinate with each other. A card that reported a $40 balance last cycle and a $1,900 balance this cycle moves your number without you changing a single habit. So does an account closing, an old account aging off, a limit being cut, or a new inquiry landing. You are watching a snapshot of a file that never stops moving.
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Online advice contradicts itself
Most of it is not wrong. It is just unlabeled.
Advice written for someone with a thin file and no derogatory items is bad advice for someone carrying three collections and 90% utilization. "Never close a credit card" and "close the card you are paying an annual fee on" are both correct, for different files. Without knowing which file you have, you cannot tell which rule is yours. That is the part the internet leaves out.
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You do not know who to trust
The industry earned that. Any company promising a specific score by a specific date is making a claim federal law does not allow, and one nobody can back up, because nobody controls what a bureau investigation returns.
Three questions separate a real credit repair company from a bad one. What exactly are you disputing and on what grounds. When do you bill, and is it before or after the work. What happens if a round comes back verified and nothing changes. If the answers are vague, keep your money.
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You are worried about spending money on the wrong thing
That is a reasonable worry and we are not going to talk you out of it.
Some files genuinely need a professional. Some need forty minutes of explanation and a plan you run yourself for free. Some need neither, they need time and a couple of habits changed. The entire point of a free Credit Clarity Session is to find out which one you are before any money is involved.
The credit system was never built to be explained to you. That is the gap we work in.
What actually moves a credit score
Your FICO score is built from five categories of information in your credit report. Nothing else feeds it. Not your income, not your job title, not your savings, not your rent unless a furnisher reports it. Just these five, weighted like this.
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Payment history 35%
Whether you paid on time, and how badly you did not. One 30-day late reported by one creditor can outweigh several closed accounts in perfect standing. Severity matters: a 30-day late is not a 90-day late, and a 90-day late is not a charge-off.
Lates lose weight as they age. A missed payment from four years ago hurts less than one from four months ago, but it stays on the report for seven years from the date of that missed payment. This is the category you protect first, because it is the one you cannot undo.
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Amounts owed 30%
Mostly revolving utilization: your reported balances divided by your reported limits, measured per card and across every card together.
The number that gets scored is whatever balance your creditor reported, which is usually the statement balance, not the balance left after you paid it off. That is why people who pay in full every month can still show high utilization on their reports. The upside is that utilization carries no memory. Get the reported balance down and the next reporting cycle picks it up. Of the five categories, this is the one that reflects a change soonest.
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Length of credit history 15%
The age of your oldest account, the average age across all accounts, and how long since each one was used.
This is the category you cannot rush, which is exactly why it is worth protecting. Closing an old card you never touch stops it aging, and once a closed account in good standing eventually drops off the report it takes its history with it. Before you close anything, ask what it is doing for your average age.
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Credit mix 10%
Whether you carry both revolving accounts (credit cards, lines of credit) and installment accounts (auto, student, mortgage, personal loans).
It is real, and it is small. Do not take on a loan you do not need to chase 10%. If a mix gap is genuinely holding a file back, there are cheaper ways to close it than borrowing.
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New credit 10%
Hard inquiries and recently opened accounts. One hard inquiry is a small, temporary effect, and most scoring models group multiple inquiries for the same loan type inside a short shopping window so rate shopping does not punish you.
Six new accounts opened across two months is a completely different signal, and it is the one that quietly kills mortgage pre-approvals. Sequencing applications is free. It just requires knowing the order.
Three terms worth knowing before anyone disputes anything
A dispute
A written challenge to a specific item, sent to the bureau reporting it or to the furnisher that supplied it. Under the FCRA the bureau has to investigate and respond, generally within 30 days, or up to 45 if you send more information during the window. The item then comes back verified, corrected, or deleted.
Unverifiable
If the furnisher does not respond in time, or cannot produce records supporting what it reported, the bureau is required to delete or modify the entry. That is not a loophole. It is the accuracy standard: if a company reports something about you, it has to be able to stand behind it.
Why accurate items stay
If an item is accurate, complete, and verifiable, it stays, and it should. No one can lawfully strip accurate reporting off a file, and any company suggesting otherwise is selling you something that is not real. What you change instead is everything that comes next.
Want the longer version? Read how credit works, understanding credit reports, and the dispute process, step by step.
How Score Pros works
Four stages: Educate, Correct, Leverage, Maintain. Here is what actually happens in each one and what you walk away holding.
Educate
We pull your three bureau reports and read them with you on a live call. Not a score summary, the actual file. We identify what is reporting, who is furnishing it, what is accurate, what is incomplete, and which items are genuinely affecting your approvals versus which just look ugly.
What you getA plain-English walkthrough of all three reports, a written list of the items we flagged and why, and a straight answer about whether you need a service at all.
Correct
For items that appear inaccurate, outdated, or unverifiable, we prepare documented challenges to the bureaus and, where it is the right move, directly to the furnisher. Every item is challenged on a specific stated ground. We do not blast form letters, and we do not challenge items we know are accurate.
Timing, honestlyBureaus have 30 to 45 days to investigate under the FCRA. Most files run more than one round, because responses arrive in stages and a verified item can be challenged again with new information. We will not give you a date or a number, because no one can.
What you getCopies of everything sent, every bureau response as it lands, and a call after each round explaining what changed and what is next.
Leverage
Correcting the report is half the job. The other half is what your file looks like going forward: when balances get reported, which accounts stay open, whether a secured card or a credit builder account earns its place, and how to sequence applications so you are not stacking inquiries right before a mortgage.
What you getA positioning plan tied to the actual thing you want, whether that is a car, a mortgage pre-approval, or a business line of credit. Working to a deadline? That is what the 90-Day Accelerator is built for.
Maintain
The last thing we want is you back here in two years. So we teach you to read your own reports: what to check monthly, how to spot a deleted item being re-inserted, and how to catch a new collection before it costs you an approval.
What you getA monitoring routine you can run without us, plus credit building basics and protecting your credit in writing. Stay on for ongoing review if you want it. Cancel anytime.
Clarity first. Progress and improvement follow.
See what this looks like on your file, with your reports open.
Book Your Free Credit Clarity SessionFour ways we help, and how to tell which is yours
Credit consulting, done-for-you credit repair, business credit, or self-guided tools. You do not start at the top. You start where it makes sense. Full detail on the services page.
You want a professional read, then you run it
We analyze all three reports, build the strategy, and hand it to you with the reasoning attached. You send the letters, you make the calls, you keep control. Good fit if you have time and would rather learn this once than pay for it forever.
You want an experienced team handling it
We prepare and send the challenges, track every bureau response, run the follow-up rounds, and report back after each one. You approve the strategy and stay informed. Good fit when there are several negative items and you do not want to manage the back and forth.
You are building credit under the EIN
Entity, EIN, address and bank account matching exactly, D-U-N-S registered, then vendor tradelines in the right order. We prepare the position and the paperwork so a lender sees a scorable business. No guaranteed funding amounts, ever.
You would rather do it yourself, with better tools
ScorePros AI reads all three bureau reports, explains them in plain language, and prepares dispute letters you review and send. Nothing leaves without your approval. Approval Lab is the course library and weekly live Q&A behind it.
| Path | Who it is for | You do / we do | How the cost works | Where to go |
|---|---|---|---|---|
| DIY tools | You have time, you like control, and the file is not complicated. | You do the work. The tool reads the reports, drafts the letters, and tracks responses. Nothing sends without you. | ScorePros AI $49.99/mo. Approval Lab $25/mo. Cancel anytime, no contract. | ai.getscorepros.com |
| Credit consulting | You want a professional read on your file and a plan you execute yourself. | We analyze and build the strategy. You send, call, and follow up, with us checking your thinking. | Scoped and quoted on your Clarity Session. Month to month, cancel anytime. | Guided Strategy |
| Done-for-you credit repair | Multiple negative items, and you do not want to manage the bureau back and forth. | We do the work: challenges, tracking, follow-up rounds, and a call after each round. You approve the strategy. | A setup step plus a monthly, discussed on your call. Month to month, cancel anytime, plus a written right to cancel (three business days under CROA, longer in some states). | Managed Support |
| Business credit | You have an entity and you are building fundability under the EIN, not the SSN. | You build it on a guided dashboard, or an advisor runs it with you inside the Accelerator. | DIY Builder $99/mo. The Accelerator is by application, investment discussed on your strategy call. | Business Credit |
Not sure which one is yours? Start with the free session. We will tell you which of the four fits, including when the answer is none of them.
Book Your Free Credit Clarity SessionSee how pricing works. Real estate agent with a buyer who did not qualify? We work with agents on the realtor partner program.
What we do, and what we refuse to do
The second list matters more than the first. It is the one that tells you what kind of company you are dealing with.
What we do
- Read all three bureau reports with you and explain them in plain English
- Build a strategy around your actual goal and your actual timeline
- Challenge inaccurate, outdated, or unverifiable items on stated grounds
- Show you every letter sent and every bureau response received
- Quote both fees in writing before you sign, month to month
- Tell you when you do not need us
What we do not
- Promise a score, a number of deletions, or a date
- Challenge items we know are accurate
- Sell tradelines, CPNs, or "new credit identities"
- Charge for credit repair services before they are performed, which CROA prohibits
- Lock you into a contract you cannot leave
- Disappear after signup
Transparency is not a feature here. It is the baseline.
Who Score Pros is
Founded by Gabe David
Gabe is a credit and consumer finance professional and the founder of Score Pros. He built the whole family of properties around one idea: people make bad credit decisions because nobody ever explained the system to them, not because they are careless.
Score Pros runs out of Irvine, California and works with clients nationwide. When you book a session you talk to a person, on a call, with your reports open. There is no chatbot funnel and no bot writing your dispute letters behind the scenes.
Where we stand
Score Pros is a credit repair organization as defined by the Credit Repair Organizations Act, and it operates under it. Before you sign anything you receive the CROA-required written disclosure, "Consumer Credit File Rights Under State and Federal Law," and a written contract. You may cancel that contract in writing for any reason and at no cost: three business days under CROA, and longer in some states. California residents may cancel until midnight of the fifth working day after signing, and any payment made must be returned within 15 days of our receiving your notice. Your written agreement states the cancellation period that applies in your state.
CROA prohibits charging for credit repair services before they are performed. Plans run month to month with no lock-in past the current period, and you can cancel anytime. Everything we challenge is challenged under the FCRA, on stated grounds, with copies to you.
Read the full compliance page for the disclosures, our obligations, and yours.
The details
- FounderGabe David, credit and consumer finance professional
- BasedIrvine, California. Serving clients nationwide
- Phone(949) 430-6622
- Emailinfo@getscorepros.com
- HoursMonday to Friday, 9am to 6pm Pacific
- ComplianceCROA compliant. All disputes filed under the FCRA. All three bureaus.
- BillingMonth to month. Cancel anytime. No long-term contract.
- MoreAbout Score Pros, contact us, or read the blog
What we believe
Credit is a reporting system, not a moral score
Accuracy matters more than effort
Fixing credit without understanding it leads to repeat problems
Real progress comes from strategy, not shortcuts
Education comes before action, every time
Credit repair questions, answered straight
The ones people ask on the first call, with the answers we actually give.
Is disputing credit reporting legal?
Yes. The Fair Credit Reporting Act gives every consumer the right to dispute information on their credit reports, and the Credit Repair Organizations Act sets the rules a company like ours has to follow while helping you do it.
You can do all of it yourself for free. Hiring help is about time, documentation, and knowing which grounds apply to which item. Score Pros operates as a credit repair organization under CROA and files everything under the FCRA.
How long does the process take?
Here is the only part with a real number in it: once a dispute is filed, the bureau has 30 days to investigate under the FCRA, extendable to 45 if you supply additional information during that window. That is a legal deadline for the bureau, not a promise about your file.
Most files run more than one round, because responses come back in stages and a verified item can be challenged again with new information. How many rounds yours needs depends on how many items are in question and how the furnishers respond. Results vary, and no outcome or timeline is guaranteed. Any company that gives you a date is making it up.
Will disputing hurt my credit score?
Filing a dispute is not a hard inquiry and does not by itself lower your score. Exercising your FCRA rights is not a penalty event.
What happens to your score afterward depends entirely on what the investigation returns. If an inaccurate derogatory item is corrected or deleted, the file changes and the score is recalculated from the new data. If the item is verified as accurate, nothing changes. Some rounds move a file and some do not. We will not tell you in advance which one yours will be.
Can you remove accurate negative items?
No, and neither can anyone else. If an item is accurate, complete, and verifiable, it belongs on your report and it stays there until it ages off on its own schedule.
What we challenge is reporting that appears inaccurate, outdated, or unverifiable: wrong balances, wrong dates, accounts that are not yours, duplicates of the same debt, items past the reporting period, or entries a furnisher cannot substantiate. If a company tells you it can delete accurate debt, that is your signal to leave.
What items can be challenged?
Any entry that is inaccurate, outdated, incomplete, or unverifiable. In practice that means collections, charge-offs, late payment records, repossessions, foreclosures, bankruptcies, medical debt, accounts opened through identity theft, duplicate reporting of one debt across multiple collectors, and personal information errors like old addresses or a misspelled name that is merging your file with someone else's.
The personal information errors are the ones people skip, and they are frequently the root cause of a mixed file.
What is a Credit Clarity Session?
A free, no-obligation call where we go through your credit situation with you, answer your questions, and explain what is helping and what is hurting. You leave with a clear picture of your file and realistic next steps, whether or not you ever become a client.
It is not a coaching call and it is not a DIY tutorial. It is a professional read on your situation so you can decide what to do with real information. Book one here.
How much does it cost, and when do you bill?
The Clarity Session is free. Beyond that, the price depends on which of the four paths fits and how much work your file needs, so it is quoted on your call rather than posted as a one-size number.
How it works structurally: a setup step plus a monthly, month to month, no long-term contract. CROA prohibits charging for credit repair services before they are performed. You can cancel anytime, and you also have a written right to cancel the contract itself for any reason at no cost: three business days under CROA, and longer in some states (five working days in California). Our self-serve products are published: ScorePros AI is $49.99/mo, Approval Lab is $25/mo, and the business DIY Builder is $99/mo. More on the pricing page.
Am I locked into a contract?
No. Plans run month to month. You can cancel anytime with no penalty and no early termination fee, and you are not billed for a month of work that has not been performed.
Separately, CROA gives you a three business day right to cancel the written contract after you sign it, for any reason, in writing, at no charge. That right is stated in the contract itself.
Can I just do this myself?
Yes, and for some files that is genuinely the right answer. Everything we file, you have the legal right to file yourself for free.
People hire us for three reasons: the volume of items is more than they want to track, the grounds for each challenge are not obvious, or they have already tried and the responses came back verified and they do not know why. If you want to run it yourself with better tooling, ScorePros AI prepares the letters and you approve every one. If you want to learn the system properly, that is Approval Lab. Free reading lives in the resource library.
Do you work with businesses too?
Yes. Business credit is a separate track: entity, EIN, matching address and phone, a business bank account, a D-U-N-S number, then vendor tradelines built in tiers so the profile actually scores with D&B, Experian Business, and Equifax Business.
We prepare position and fundability. We do not promise funding amounts, because approvals depend on the lender, your revenue, and your profile. Start with business credit and funding prep or the Business Credit Accelerator.
More questions on the full FAQ page, or read how it works end to end.
Two things that make the rest of this easier
One you will use before your session. One is for after your credit is positioned.
3-bureau reports, $1 to start
Smart Credit is the tool we use in every Clarity Session. Full reports and scores from all three bureaus, refreshed monthly, so we review your file together using the same data a lender sees instead of a single score from an app.
- Full reports from Equifax, Experian, and TransUnion
- Monthly score updates from all three bureaus
- Credit monitoring alerts
- Identity theft protection
- See who has been pulling your credit
$1 for a 7-day trial, then $29.99/month. Cancel anytime.
Score Pros is a Smart Credit affiliate and earns a commission if you enroll. Monitoring is optional and is not required to work with us.
Start Your $1 Trial →Better credit means better car deals
The whole point of positioning your credit is what it buys you at the counter. Once your file is where it needs to be, browse 4,300+ vehicles on GotMotos. Every listing is scored against comparable vehicles so you know whether the price is fair before you start negotiating.
Walking in with a strong profile and a known-fair price is a completely different conversation than walking in hoping for an approval.
GotMotos is owned by the same company as Score Pros, and we benefit if you buy through it.
Browse Vehicles on GotMotos →Ready for clarity?
If your credit does not feel clear, that is the actual problem, and it is the one we solve first. Everything else follows from it.
On your free Credit Clarity Session we will:
- Go through your situation with your reports open
- Answer every question you have, including the ones you think are dumb
- Explain what is helping and what is hurting, item by item
- Lay out realistic next steps and what each would cost
- Tell you honestly if you do not need a paid service
Even if you never work with us, you leave understanding your own file. That was always the deal.
Book your free Credit Clarity Session
Tell us a little about your situation. A real person calls you within 1 business day. No obligation, and nothing is billed before work is performed.
You're on the list.
A Score Pros credit specialist will call you within 1 business day to schedule your Credit Clarity Session. Check your email for a confirmation.
Want to move faster? Call (949) 430-6622, Mon to Fri 9am to 6pm PT.