The Credit Repair Resources Philosophy
In 2005 Credit Repair Resources was created with goal of helping consumers while filling an underserved need in the financial services industry. At that time, credit repair organizations or CRO’s carried a negative stigma and it was widely believed these companies were no more than dispute mills, churning out letters in the attempt to deceptively delete accurate information from credit reports.
CRR’s founders recognized the frustration that credit reporting caused consumers as well as what a time vampire it was to tell turndown applicants how to fix their credit. Coming from a mortgage lending background and consumer litigation, Chad Kusner and Bob Willis felt their experience could help and spent 2 years developing their business model.
The result is an advocacy based firm that puts the consumer’s best interests first, while helping lenders close more transactions. Today CRR services thousands of consumers and has lender relationships nationwide.
There is a secret sauce that makes CRR the first choice for lenders to refer their clients with credit issues. Where many CRO’s will offer their services to anyone with a credit card, we only offer our services to those that may benefit from credit repair. We have specific process for approving files, and all applicants are carefully screened by an expert before our client coordinators can engage the consumer (think loan officer/underwriter relationship.) We can document a decline rate of 20-23% of our applicants. This demonstrates our commitment to putting customers first.
Moreover, we understand that our referral partners want to fund as many transactions as possible regardless if the applicants need credit repair or not. That is why we offer free consulting services to all clients that are declined. We understand what it takes to boost scores and will do everything we can to return your lost opportunities as fundable clients. Whether it’s adding new credit, paying down existing balances or settling accounts, we guide them so our partners can focus on their next opportunity.