What is Pro Analysis?
Pro Analysis is our comprehensive credit report review process. While many credit repair companies look for obvious negative items, UniMas digs deeper. We identify subtle issues that most miss—incorrect dates, misreported balances, duplicate accounts, and more.
Hard-to-Spot Issues
Some credit report errors are nearly invisible to the untrained eye. A payment marked 31 days late instead of 29, an account reporting on only two bureaus instead of three, or a balance that hasn't updated in months. These seemingly small details can cost you points—and we catch them.
Risky Disputes
Not every item should be disputed. Some disputes can actually hurt your score if not handled correctly. Our Pro Analysis identifies which items to challenge and which to leave alone. We prioritize disputes that have the highest chance of removal with the lowest risk of negative consequences.
Smart Disputes
Every dispute we send is strategic. We don't just challenge items randomly—we analyze your entire credit profile to determine the optimal order and timing for disputes. This methodical approach maximizes results while minimizing the time needed to improve your scores.
Benefits of Pro Analysis
- Identifies subtle errors others miss
- Prioritizes high-impact disputes
- Avoids risky dispute strategies
- Creates a personalized action plan
- Maximizes score improvement potential
The Pro Analysis found errors on my report that I never would have noticed. A payment incorrectly marked late and a duplicate collection account. Both were removed within 60 days.
Llevaba meses frustrada sin entender por qué mi puntaje no subía. El análisis reveló que una cuenta cerrada hace 5 años seguía reportando balance. Una vez corregido, subí 62 puntos en un mes.
I thought my credit was beyond repair after a bankruptcy. The Pro Analysis team found that two of the accounts included were being reported twice. Removing those duplicates gave me a fresh start I didn't expect.
Tenía una colección médica que no reconocía. El equipo investigó y resultó ser de alguien con nombre similar. Nunca hubiera sabido que era un error de identidad sin el análisis profesional.
What impressed me most was the attention to detail. They found that my credit limit was being underreported by $5,000, which was killing my utilization ratio. Simple fix, big impact on my score.
Mi esposo y yo teníamos cuentas conjuntas, pero después del divorcio algunas seguían apareciendo en mi reporte. El análisis identificó exactamente cuáles disputar. Ahora mi crédito refleja solo lo mío.
Been denied for a mortgage twice. The Pro Analysis showed that an old student loan was reporting a wrong payment history—showing 90 days late when I was never late. Got it fixed and closed on my house last month!
Pensé que el único problema era una tarjeta atrasada. El análisis encontró 7 errores adicionales: fechas incorrectas, un empleador que nunca tuve, y cuentas que no eran mías. Increíble lo que uno no ve.
I'm a detail-oriented person and I went through my own reports carefully. Still, the Pro Analysis found three issues I missed—all related to dates that were slightly off but affecting my score. Worth every penny.
Después de un robo de identidad, mi crédito era un desastre. El equipo de UniMas separó meticulosamente lo que era mío de lo fraudulento. Recuperé mi puntaje y mi tranquilidad.
The analysis revealed that my car loan payoff wasn't being reported correctly—it showed as still open with a balance. Once updated, my debt-to-income ratio looked much better for my refinance application.