Making Your Future a Success
Prosperity Requires Organization, Consistency, & Knowledge
About Us
Welcome to PROCK
Prosperity Requires Organization, Consistency, & Knowledge
Welcome to P.R.O.C.K
Take control of your business's financial future with a structured approach to building stability and wealth.
- Plan - Develop a strategic financial roadmap.
- Revenue - Focus on increasing income streams.
- Optimize - Improve efficiency and reduce costs.
- Capital - Invest wisely to grow assets.
- Knowledge - Continuously educate yourself in your industry and its financial trends.
At PROCK, your dream is the blueprint- we build from creation to completion.
Education Resources
Arming you with knowledge for lasting credit health.
At PROCK, we provide comprehensive educational resources and tools designed to help you rebuild and maintain your credit. Stay informed with the latest credit regulations and laws, ensuring you’re equipped to navigate the complexities of the credit world.
We collaborate with the top three credit bureaus—Experian, Equifax, and TransUnion—to dispute, question, and challenge any unverified or debatable information on your credit report. By communicating directly with creditors, we work tirelessly to remove inaccuracies and correct account mistakes, enhancing your credit history and improving your credit score. This allows our clients to secure lower interest rates on home and auto loans, finance significant purchases, and refinance or obtain a home loan faster than the typical 5-7 year wait period.
Furthermore, we educate our clients on the importance of FICO scores, detailing how they are calculated and their impact on financial opportunities. From payment history to amounts owed, we provide a clear understanding of how the credit industry operates. Our extensive glossary of credit terms ensures you are familiar with all aspects of the credit bureau industry, empowering you to make informed financial decisions.
Terms of FICO Score and Credit Industry
Your FICO Score is calculated through a number of different factors and percentages. Here is a general breakdown of how your FICO Score is determined:
- Payment History(35%) includes account payment information, bankruptcy or judgments, duration of overdue payments, amounts past due (if any), and duration of any adverse occurrences.
- Amounts Owed(35%) (30%) includes the amounts owed on accounts individually and totaled together as a whole, the number of accounts with balances, proportion of credit line used and proportion of installment loan amounts still owed.
- Length of Credit History(15%) includes the duration accounts have been open as well as the amount of time since accounts have been active.
- New Credit(10%) includes the number of and duration since recently opened accounts and proportion to total accounts, number of and time since recent credit inquires, and the re-establishment of positive credit history following past payment problems.
- Types of Credit Used(10%) includes the number of various types of accounts, such as credit cards, retail accounts, installment loans, mortgages, etc.