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 and financial consulting 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 three of the reasons people most often reach out to 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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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 only from the information in your credit reports, in five categories, and payment history and amounts owed carry the most weight. Utilization changes show up as soon as a creditor reports a new balance, while late payments and account age move on a much slower clock.
Read how credit works for the full breakdown, or browse the learning hub for plain-English explanations of disputes, verification, and the other terms you will run into.
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 the challenge: what to dispute, the grounds, and the letter draft, addressed to the bureau or, where it is the right move, directly to the furnisher. You send every letter. Every item is challenged on a specific stated ground. We do not draft form letters, and we do not prepare a challenge for an item we know is 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 you send, every bureau response reviewed with you as it comes in, 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
Guided credit consulting, hands-on credit consulting, 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 preparing every round
We prepare each round: what to challenge, the letter drafts, and the tracking. You send every letter. We review each bureau response with you and stay on it round after round. Good fit when there are several negative items and you would rather not build the strategy alone.
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 |
| Hands-on credit consulting | Multiple negative items, and you do not want to manage the bureau back and forth. | We prepare the challenges, track every response, and run the follow-up rounds with you. You send each letter and 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
- Prepare challenges for inaccurate, outdated, or unverifiable items, on stated grounds
- Show you every letter you send 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
- Prepare challenges for items we know are accurate
- Sell tradelines, CPNs, or "new credit identities"
- Charge for credit consulting 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 Temecula, 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 follows the consumer protections that apply to our industry. Before you sign anything you receive the 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 consulting services before they are performed. Plans run month to month with no lock-in past the current period, and you can cancel anytime. Everything you challenge with our help is grounded in 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
- BasedTemecula, California. Serving clients nationwide
- Phone(949) 430-6622
- Emailinfo@getscorepros.com
- HoursMonday to Friday, 9am to 6pm Pacific
- ComplianceCROA compliant. All challenges grounded in 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 questions, answered straight
The ones people ask on the first call, with the answers we actually give.
Is disputing my own credit report legal?
Yes. Disputing your own credit report is a right the Fair Credit Reporting Act gives every consumer, whether or not you ever hire anyone. Score Pros is a credit and financial consulting company: we read your reports with you, identify what can be challenged and on what grounds, and prepare the letters. You send every one yourself.
You can do all of it yourself for free. Hiring help is about time, documentation, and knowing which grounds apply to which item, not about handing the bureau relationship to someone else. Everything we help you challenge stays inside the FCRA, start to finish.
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.
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 help you 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 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 consulting 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.
Can I just do this myself?
Yes, and for some files that is genuinely the right answer. Everything we help you challenge, you have the legal right to send 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.
More questions on the full FAQ page, or read how it works end to end.
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, so we review the same data a lender sees. $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
Browse 4,300+ vehicles on GotMotos, where every listing is scored against comparable vehicles so you know whether the price is fair before you negotiate.
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.