So your privacy.

Hello.
Okay.
Bill, I'm a certified under repair specialist from the credit pros.
How can I help you?
Hi, this is row with rent to own now.
I have Kathy Nichols on the line.
Her first name is spelled K-A-T-H-Y.
Her phone number is 615-785-6798.
Got that?
Excellent.
Okay, Miss Kathy, I'm going to drop off the line for your privacy.
It was a pleasure speaking with you.
Have a great day, okay?
Yes, my aunt, thank you.
All right.
You're welcome.
Hey, Kathy.
My name is Bill, and I'm a certified credit repair specialist from the credit pros.
How you doing?
I'm doing good.
How are you?
I'm doing pretty good.
I can't complain if I did.
No one wants to listen to me anyway, so I just don't.
That's right.
All right.
All right.
It's K-H-Y, correct?
Yes, sir.
And I-C-H-O-L-S.
Yes.
Just S.
Just S.
And I-C-H-O-L-S, all right.
Make sure I have that right.
All right.
So I guess you're trying to get yourself into a rental home?
Well, I just want to rent.
Oh, just want to rent?
Okay.
Are you renting now?
Yes.
What?
I mean, are you trying to find a different place, different area, something
cheaper?
I'm trying to find a different area, yes, sir.
Okay.
So I was always one of the three things.
Bad area, bad school, or bad situations, pretty much.
So.
All right.
And what's your credit score at?
Do you know?
It's right at 5.25.
Okay.
And you know, what kind of negative items you have on your report?
A repossession and some charge-offs.
Okay.
How old are they?
Pretty recent within last year or so.
Okay.
Well, let's do this.
Let's flip the report.
Let's look at it and see what we do to help you out.
I mean, our jobs are to defeat the negative items for you.
Okay.
Okay.
All right.
And what is your mailing address now?
Is six to three five.
Boston.
It's L.O.S. T.O.N.
Road.
Last.
Tennessee.
Tennessee.
Mm-hmm.
3, 7, L.A.
All right.
And I have your email as Kathy Nichols 686 at Gmail.
That's it.
And what is your Ditterburt?
427 1957.
And your social?
409 98 62 48.
All right.
Okay.
If you're going to have me ask you some security questions or it's going to have me
send you a text message to verify them and speak it to you and not an AI.
Okay.
Are you still working or are you retired now?
No, I'm retired.
I'm retired.
Are you getting so scared of your SSI or disability?
So security.
So security.
Let's see.
I think you have a text message.
I'll just click on that little link that I sent you.
Okay.
All right.
Click on the link.
Yep.
If I have to do.
I'm barely here.
Yes.
Okay.
On that link.
Okay.
Okay.
Okay.
Okay.
You can close it now.
It's just to prove that you're not a robot.
You touched it.
Well, it's not doing anything.
No, you're good.
I got it.
You may have to call me back because it's not doing anything.
No, I got it.
Kathy.
Kathy, I got it.
It was just to prove you're not a robot.
You touched it.
Well, it's not doing anything.
No, you're good.
I got it.
You may have to call me back because it's not doing anything.
No, I got it.
Kathy, Kathy, I got it.
It was just to prove you're not a robot.
It is.
Oh, okay.
Your score is a five zero one.
Five zero one.
That's your score.
Score is right between.
Oh, five zero one.
Yeah.
Eight fifty.
Anything under fifty hundred six hundred six hundred four.
You're in the poor range right now, but you're right.
You got it.
You have one.
You've got 15.
You've got 15.
Progatory accounts.
Seven of those are collection thousand six hundred and ninety seven.
You do have the repo on there as well, which.
Right.
Eight more items on there too.
You're told the total.
The total day right now is twelve thousand four twenty four dollars.
Okay.
You've had some late payment.
I'm going to go to the next one.
I'm going to go to the next one.
I'm going to go to the next one.
I'm going to go to the next one.
I'm going to go to the next one.
I'm going to go to the next one.
Okay.
You've had some late payments as well.
But I mean, but you don't have anything that's positive.
You don't you don't even know positive credit.
Do you don't have any credit cards?
You don't have any loans?
No, nothing now.
Do you?
Mm hmm.
Okay.
That's the bad part.
There's nothing positive on there.
All right.
Well, wow.
Yeah.
So this is the stuff that we do with your own a daily basis.
Let me tell you what we do.
We use federal law.
It's called the FCR a law that fair credit reporting act.
And that's the dispute negative items are considered inaccurate.
Unverifiable misleading or outdated information.
What we do is we dispute these items with the creditors and the
bureaus and the credit bureaus.
They've only got 45 days to prove it.
The report about you is accurate and verifiable.
The name that date amount and it has to be yours.
If they can't prove that for any reason in 45 days, it has to be up
to the inter removed and that's by federal law.
Okay.
Mm hmm.
So they had to prove it's accurate and all this is accurate and
verifiable.
They don't respond or they can't prove it.
It's got to be up to the room.
Okay.
Right.
All right.
And, uh,
And I've got a couple different packages here.
I got one that's going to help you build your credit and repair it.
And I have, and I'm one's just going to repair it.
But the first one will probably work out best for you.
What it is is we provide unlimited disputes.
Of any questionable item you identify in your credit report with all three credit
bills.
We're also going to give you a trade line of up to $5,000.
It allows you to make purchases from the website national credit direct.com.
That we reported to experience every month and attract other lenders.
That'd be clear.
It's not a credit card.
Can't go out and buy gas or fast food with it.
But pause the light of the count for 30 questions on your credit score.
So add this $5,000 trade line.
Definitely strengthen your credit for open.
Okay.
Okay.
Okay.
And because of all credit, and what it is, they got 15,000 items on their site.
They're all named round things from iPhones, TVs, electronics, furniture, beds,
appliances,
things like that.
The reason why we use them is they're interesting.
Okay.
We're not telling that some big old spinach free, but if you get some other great,
just make sure you make your payment on time.
That's 35% of your credit score.
Okay.
Right.
Mm hmm.
And we kill all credit scores based on other 35% off your payment history.
We offer a credit builder program, which means your payments to us will be reported
to all three
credit bureaus as well, which will also create positive payment history.
We're going to give you an online portal as well as a mobile app for your phone.
This way you'll be able to see all three reports 24 hours a day.
You'll see everything is being challenged, changed, removed.
Everything's happening.
Well, it's happened.
We're very proud of what we do here.
Okay.
All right.
All right.
And this package is this package is 149 month a month, no longer multiplication.
You pay to go for services rendered and you can stop once you get the result you
need with the positive
payment reporting would discontinue and have another package here.
It's called our prosperity package.
It's only one 29 a month, but it doesn't have a credit builder and does another
trade line,
which I think you need.
Yeah.
So you want to do that first one?
Well, I'm not sure.
I'll have to talk with my son because my son's not married and he doesn't have any
children and he's
going to live with me to kind of help take care of me.
He says, help take care of the bills and if it's the money issue, right?
Right.
If you're between checks right now, I mean, if the money issue right now, I mean, I
can
push out your payment date for you for a week or two or something like that.
If you need me to.
Well, it would be a month because I've just got paid.
I just had to pay rent and stuff.
It would be next month.
Okay.
Yeah, I don't know if I can do that.
I don't know if I can go out that far.
I mean, I would have to.
What do you mean on a third of the first?
The second.
Second of each month.
Mm hmm.
I don't want to do it.
It will actually let me do it.
It won't.
It will.
I mean, I'd have to do some today.
I mean, I don't know if I can push it up that far today.
It is a.
Can you do $49?
I don't think I can do as a dollar.
You get a dollar on your card right now.
I do.
I'll put your payment date for July 2nd.
Okay.
I mean, yeah, July 2nd.
Okay.
Okay.
And I'll have your payment date for the second of each month.
And I am ready for the card number whenever you are.
All right.
Hold on a second.
Okay.
Okay, sir.
I'm here.
Are you there?
All right.
I'm here before four five one.
Okay.
All right.
Four four five one.
Seven one zero zero.
Seven four one five.
Three zero five seven.
Expiration.
Five of twenty six.
A little CV code.
Four six two.
All right.
I got to reach a real quick disclosure.
One is accepted the second set of feet.
Of one forty nine will be charged on the second of July.
Your month one fee of one forty nine will start on the second of August.
We need to go over our credit card disclosure.
Read your authorization in order of process,
initial payment of one dollar to be charged today.
Senate procedure dictates a card resulting in a decline will be subject to a
reattempt for enrollment.
We will not overdraft your account if the funds are not available. Okay.
Okay.
All right.
I'm going to send you a text message and some emails here in just a moment.
Okay.
All right.
And I just, I just think that you're getting the text message here in just a
moment.
So say welcome to TCP.
Get logged in.
Yes.
One.
So they get logged in ASAP.
Oh, okay.
The text message does.
I've seen an email still.
So either when you go to, if you want to go to the text message,
it's going to say, walk through TCP, get logged in ASAP.
Or if you want to get, go to the email, it says welcome to the credit pros on it.
Okay.
I'm getting another call.
So I'm going to wait until it clicks.
Oh, no problem.
So I just need to write the middle.
Okay.
Yeah.
Yeah.
I'm trying to do business.
Right.
Hold on.
Okay, sir.
Go back to the.
Emails.
Email or text message either one.
Okay.
Okay.
Updates housing assistance.
The credit pros.
Welcome to the credit.
That one.
That one.
Welcome to credit pros.
Yeah.
Margin.
Now welcome to the credit pros.
No, let's just log in.
You are log in.
You are.
Yeah, I see it.
On that one.
And hit that.
If you're going to bring up our service agreement,
we're simply our agreement of service.
You're going to scroll down to where it says.
You scroll down to where it says sign your agreement that you've read and
understand the terms.
If you're going to a little blue circle on the left, this is, I agree.
We're going to a little blue box on the right of it.
All right.
It's doing credit score.
Follow one.
Wait, wait, wait, wait, wait, wait, wait, wait, wait, wait, wait.
Okay.
When you clicked on that, it didn't bring up our service agreement.
Mm hmm.
I brought up credit score.
Go back to the email.
Okay.
Go back to the email.
I wanted to log in.
Go to the, go to the part of your login URL is and says, and it's a big, big, big,
big, big.
I mean, click on that one.
Click on the link.
Yeah, click on the link.
Yeah, the big one.
Yeah, the big one.
Yeah, I did.
Now let's see what it does.
She says 0% and she says the Columbus is Tennessee information statement.
No, sir.
She's still going to the credit score.
Oh, go to your text message on your phone.
Okay.
Let me go to the text message.
Welcome to TCP login ASAP.
Okay.
Let me go to text message.
Oh, another call is coming in.
Oh, just a second.
I'm so sorry.
No, no problem at all.
I'm sorry.
Go away.
There it went.
Okay.
Okay.
Go to text message.
You want to welcome to TCP get logged in ASAP.
Okay, it brought it up like it was spam, but it's got HTTP is API, Equifax.
No, no, not that one.
There should be a text message after that.
This is welcome to TCP.
It does mean that's the last text I've got.
615-785-6798.
Yes, that's correct.
Okay.
Go back to your emails.
Now on the emails that are there, the one that says, welcome to the credit pros,
but that one link is on there.
It's not the top of this is login now.
It's the one underneath.
It says your login URL is in HTTPS.
Where's that?
Right.
That one.
If you can click on that one.
I did.
It didn't bring it.
You can't scroll down to the same.
It's like zero percent.
Then it says Tennessee information statement.
Okay.
You credit improvement checklist.
Not that one.
No.
Okay.
Not that.
You have to credit.
Now that's welcome to the credit pros.
Welcome to the credit pros.
Welcome.
We created your client portal.
Okay.
This one doesn't look as well.
Yes.
It's one of your login URL is.
Mm-hmm.
Click on that right there.
That one is HTTPS that four slash four slide right there.
Go on that one.
No.
That's what I did.
And it's still bringing up credit score.
Really.
Yeah.
Should I tab down and see what it's got under it?
Yeah.
Go down to it.
So it has underneath there.
No.
It only has pies.
Add your personal information so we can protect you.
No.
Went to own.
Go back to the email.
Okay.
And maybe hit the other one or hit the other link that's on there or on the other
email on the other email.
Maybe click the link that's on there.
I'm not sure which one it is anymore.
It's on the other.
It's always been on the one that's welcome to credit pros on it.
You're clicking on the thing.
You know, it's actually spelled out.
There's a link HTTPS is all right there for you, right?
Right.
Yeah.
Portal the credit pro S dot com token.
No, not that one.
Not the portal one.
This is the HTT.
Should say login URL.
Yes.
And it's your login URL is and it has the big link after it.
Right.
But that's the one I'm hitting and it's going to be credit score.
Right.
The portal.
Let me get you over to.
Our auto credit advisor.
I'm going to get you over to.
I'm going to get you over to.
Let me get you over to.
Our auto credit advisor.
Eight.
You don't think about 30 seconds when you have your keyboard up.
Like your dial pad up.
Because soon as he.
He's going to say for anything else, press one.
I want you to press one soon.
So do you hear him stop talking or right or very end.
Press one. Okay.
Okay.
Check your email right now.
You should have email says William, nor land around there.
That's me.
That has our client service.
The brother as well.
The 973 to 3, 3, 3, 4, 3, 8, that's our client.
I think I found it.
I think I found it.
First step after logging quick.
The documents tab to upload.
No, no, I didn't.
You're already.
Yeah, it's already got you.
You're portal for some reason.
Yeah.
It's not that that didn't be up there yet.
Okay.
Let me get you over to ace real quick here.
Well, soon.
Now get your dial pad backup on your phone.
And you're going to press one talking.
And the email says William, nor land around there.
That's me.
It has our client service number at the bottom right there.
Call them and you can call them back if it doesn't get you over there.
Okay.
Okay.
Take me one second here, Kathy.
Remember when he's done?
So he's done talking again.
Let me know.
Let me know when you have that.
You drop out of there.
Okay.
Okay.
I'm going to get you over there.
Okay.
Okay.
Take me one second here, Kathy.
Now remember when he's done talking again.
Let me know.
Let me know when you have that.
You drop out of there.
I got the thousand.
Okay.
Okay.
Okay.
I'm going to get you over there real quick here.
And when he's done talking, you're just going to press one.
Okay.
Okay.
And here he comes.
And you have a great day.
My phone numbers on there.
If you need me, call me back.
Okay.
Okay.
Okay.
Thanks for enrolling in the credit pros.
Improving your credit is one of the best decisions you can make.
Congratulations.
Hi, I'm Ace, your automated credit advisor.
And I'd like to quickly review your information so we can get started.
This will only take a minute or two.
If any of the information verified on this call is inaccurate,
please press one at the end of the call.
And we'll connect you to a client success team member to correct it.
You enrolled in a TP success plus individual authorized partial $1 for $149, $149
monthly
program you were charged $1 today, and will be charged $149 on the 2nd of July,
2024.
Each month you will be charged $149 on the 2 of the month.
Your date of birth is the 27th of April, 1957 and your social security number is
409-986-248.
Your address is 6235 Lofton Road, Liscosos, Tennessee, NOLV-37085.
Also, you just received an email and a text message with some easy instructions to
log into our client portal.
Don't worry, I'm already working for you behind the scenes to build out the perfect
credit action plan for you.
Make sure to log in as soon as possible to check it out.
If you'd like to speak with a client success agent, they're always available to
speak to you in live chat on our site
and in our app. You can use the chat to talk to the team, reset your password, and
even send us documents.
If any of the information verified on this call is inaccurate, please press 1 and
we will connect you to a client success team member to correct it.
Thanks and welcome to the Credit Pros.
Please press 1 for English and 2 for Spanish speaking representative.
This call may be recorded.
Let a co-op
Open.
W all Bells
Linda
Zhu
rs
Classett
me
CO
holding for Bill?
Look at Harry today.
Yeah, how can he assist him?
Yes, I was holding for Bill supposedly to get him back on the line.
Okay, so you're involved?
No, I wasn't on hold.
He had me listen to a man and he said, hit one and he'll be back on the line.
I hit one and I got you.
Uh-huh, yeah, I understand. Okay, Kathy, can you please just for me to be able to
take you through the account and see everything regarding the account?
Just provide me with the spelling of your first and last name?
Kathy, K-A-T-H-Y, Nichols, N-I-C-H-O-L-S.
Thank you so much. Could you also confirm the last four digits of your social
number?
624-8.
Thank you so much, Kathy, for filling the account.
So as I see here, you just enrolled with us today on the Success Just package and
you paid a dollar, correct?
Wrong.
Okay, let me here take you through the account and see what's missing and how to
contain everything here regarding the account.
Just allow me a moment. I'm going to put you on hold to open all the resources and
get back to you again, okay?
Okay.
Thank you.
Thank you.
Thank you.
Available credit expert.
Thank you so much for your patience, Kathy.
Yes.
So, Kathy, as I see here, you still have the credit action plan is missing and the
credit action plan is just setting some expectations and it's available agreement.
So I'm going to begin this with you right now. It's going to take from five to ten
minutes, okay?
Okay.
You have time for it right now.
Or would you like me to schedule an appointment?
Yes, schedule an appointment, please.
Sure, sure. Okay. Let me schedule here an appointment for you.
And also, let me tell you that about the process was going to be the next step
after the credit action plan.
The next step is going to be once you pay the full enrollment, you're going, we're
going to send letters to the beers from three to five business days.
And then the beers, they're going to investigate in all the items stated in the
letters.
All the items that you identified as misleading and accurate outdated or
unrefiable.
And the investigation process is going to take from 30 to 45 days.
And then 15 days for you to receive it to overall 16 days till you receive the
correspondence of the letters on your made box. Okay.
Okay.
Okay.
Also, we just have some benefits here and you have, you will be having access to
all the benefits once you pay the full enrollment, which are the access wireless,
trying to own helper family plan.
And also, there is the referral program.
This one, we could actually work on it right now. Kathy, do you know about it?
No, I need to make an appointment.
I'm in a hurry.
Sure, sure.
Okay.
So, um, is it okay with you if the appointment is going to be, are you on central
time?
Yes, ma'am.
Okay. So is it okay with you if it's tomorrow at 10 am.
That's fine.
Okay. So tomorrow at 10 am.
One of our team going to give you a call to continue the credit action plan with
you and tell you about all the benefits that we have in the referral program and
everything. Okay.
All right. Sounds good.
All right, Kathy. Is there anything else you can assist you with for today?
That's all. Thank you so much.
You're welcome. Have a wonderful day. Bye bye.
Good to.
Bye.