Our CEO, Joel S. Pate, Fico Pro., has assisted consumers just like you with credit issues since 1988. Joel has researched every credit law and is friends and business acquaintances with almost all of the nation’s top FICO experts. Through these valuable relationships, he and his staff have developed advanced strategies and processes to effectively impact erroneous, out of date, and incomplete credit entries on your report. After almost 30 years, he is one of the best and most highly recognized FICO experts in the industry.