Because of your BPP Score™, and Bad Credit Forgiveness, Credit Repair is No Longer Necessary.
PāyZero® Inc., a new Credit Agency/Bureau, uses an Automated Bill Pay Platform to generate a consumer BPP Score™. This is a New Credit Scoring and Approval method for people with an adverse credit history who want low interest unsecured Major Credit Cards, Auto and Mortgage loans from our partner banks willing to extend Bad Credit Forgiveness.
The Credit Agency is the first of its kind to make credit approval decisions and favorable interest term recommendations based on Net Income, Household Expenses, and the Highest Number of Expenses you pay with automated bill pay.
40 million Americans are living with bad credit. You don’t have to be one of them.
You Are Forgiven!
You Are Approved!
We Are Changing the Way You Are Approved for Credit.
⇒ The first item of credit is an unsecured high credit limit, PāyZero® Visa®/Mastercard® based on your new BPP Credit Score™, and not your FICO® score. If you have a low score with the major credit bureaus, and you would like a second chance, Think of your BPP Credit Score™ as your ticket to “Bad Credit Forgiveness”!
The Next 1,000 households with a BPP Score™ are guaranteed a low interest, unsecured high, credit limit PāyZero® Visa®/Mastercard® with “0” monthly payments*.
*PāyZero® Visa®/Mastercard® Credit Cards with “Zero Payments” are reserved for the next 1,000 households participating in the Bill-PayPro™ automated bill pay platform. Standard credit card FICO® score qualifications, due dates and payment rules apply for households earning a BPP Score™ after the next 1,000 applicants.
Our Partner Banks Extend Bad Credit Forgiveness to Those with a BPP Credit Score™
Here is a potential list of banks extending credit to our clients based on your BPP Score™ generated after your household expenses have been paid on Bill-PayPro™ for at least 90 consecutive days. Partner banks represented on this website are for display only. At this time no agreement is in place between the PāyZero® Credit Agency and the banks listed on this website.
You Are Forgiven!
You Are Approved!
How to Establish your BPP Credit Score™?
⇒ There is no fee for using Bill-PayPro™ to pay your household bills and expenses. Participants will earn a BPP Credit Score™ after 90 consecutive days on Bill-PayPro™.
The PāyZero® Credit Agency and the Bill-PayPro™ automated bill pay system has revolutionized loan decisioning with producing a client base that is financially fit for credit approval on big ticket items such as unsecured Visa®/Mastercard® credit cards, Auto, and Mortgage Loans with the introduction of the (BPP Score™).
The BPP Score™ decisioning system calculates Net Household Income, Monthly Household Budget, and your Use of Automated Bill Pay, along with other analytical factors for credit approvals or non-approvals. It does not factor a credit rating from any credit bureaus.
As a bill pay service: We are able to pay your bills is similar to the way Consumer Credit Counseling has their members place a specific amount of money into an account that covers their debt, then they withdraw the money and pay the debt off.
While we are not the CCC, we do ask you to place a specific amount of money per week into your Bill-PayPro™ Account you establish at your bank so PāyZero® can securely access and pay ALL of your household expenses for the month. The proprietary algorithm hidden within the Bill-PayPro™ automated bill pay system is currently used by the PāyZero® Credit Agency to pay all of our client’s household bills and lifestyle expenses in full and on time using less money than they were previously spending per month. The data compiled during this process determines the BPP Score™ for the household.
Benefits: It’s Simple:
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- You allow all of your monthly household and lifestyle expenses to be paid on time and in full using the Bill-PayPro™ automated bill pay system.
- In Return for you “allowing” PāyZero® to pay your monthly household expenses, PāyZero® has its partner bank Issue You a Low Interest, Unsecured Visa®/MasterCard® with a limit equal to your total living expense amount. (That’s between $2,500 – $20,000 based on your total monthly expenses.)
Your Part
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- You accept the Bill Pay Agreement.
- We send you a username and password to your Bill-Pay Portal.
- a). You log into your portal, and tell us who to pay, their account number, mailing address, and due date.
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- b). You also tell us how much you spend on discretionary and miscellaneous items.
- Open a checking account at your bank and name it Bill-PayPro™.
- Instead of paying your bills and expenses directly, based off your interview, you make a precalculated weekly deposit into your Bill-PayPro™ Account.
Remember: We only manage the money you spend. If you make more than your expenses, we do not ask you to place your extra money, or savings into the Bill-PayPro™ Account.
Our Part
- We interview you about your income and expenses to determine the amount of your monthly participation check.
- Each week, we ACH your expense money from your Bill-PayPro™ Account and pay all of your household bills and expenses in full, and on time just like normal.
- a). Each week we also deposit your discretionary spending allowance (based on the amounts you told us you spend) to the debit card(s) of your choice with amounts covering all discretionary and miscellaneous spending for your household.
- Participants will be added to the waiting list for a PāyZero® Visa®/Mastercard® Credit Card with a minimum credit limit of $2,500 with No Payments.
Our Ideal Client…
⇒ This includes anyone with steady income that is higher per month than total household expenses.
Busy People:
- Doctors
- Attorneys
- Corporate Managers
- Construction Workers
- Nurses
- Factory Workers
- School Staff
Any W2 Employee
Quality of life Improvement:
- People who want to live worry-free.
- People looking to improve their credit.
- People who want to be debt free.
Anyone
The Financially Concerned:
- Newlyweds with new babies
- Single Parents
- People with high interest credit cards
- People who want financial freedom
Anyone
The Types of Expenses We Pay For You…
⇒ You and your household have more expenses than you think you do…
Debt:
- Mortgage/Rent
- 2nd Mortgage
- Vehicle Loans
- Credit Cards
- Student Loans
- Furniture Loans
- Personal Loans
- Lines of Credit
- Investments
- IRS Bills
- Child Support
Any Debt
Utilities:
- Electricity Bills
- Natural Gas Bills
- Cell Phone Bills
- Legal Bills
- Vehicle Insurance
- Life Insurance
- Health Insurance
- Water Bills
- Sewer Bills
- Property Taxes
- Homeowners Insurance
- Streaming Bills
- Cable Bills
- Internet Services
- Gym Bills
Any Utility Bill
Discretionary:
- Vehicle Gasoline
- Groceries
- Religious
- Trips/Vacations
- Cosmetic/Barber/Salon
- Dry Cleaners
- Entertainment
- Shopping
Other Miscellaneous Items
About Us…
STORY ABOUT US
Why Establish Credit With the PāyZero® Credit Agency
Instead of a FICO® Score... Use our Bill Pay Service to Establish a BPP Score®.
We aren’t satisfied with business-as-usual consumer money and credit management because we’ve been on the inside and seen countless ways to make you rich. That’s why PãyZero® Inc. is leading the way to more transparent, fair, accessible, and friendly credit solutions for all (it also feels great to help people save money with our bill pay services). Click button to see more.
All of your bills in one place: The Bill-PayPro™ automation manages your money so you don't have to. It's your FDIC® Insured automated Concierge
Maximum flexibility: We pay anyone. From your gardener to your credit card bill. Tell us who, when and how much.
Bills are paid on-time, no late fees: Alerts notify you of impending due dates. Alerts you when a bill has been paid.
Safe and Secure: All information sent to and from the Bill-PayPro™ is encrypted and sent through a secure Internet connection.
Our Services…
Bill Pay Services…
Automated Bill Pay System
You allow all of your monthly household and lifestyle expenses to be paid on time and in full using the Bill-PayPro™ automated bill pay system.
Affordable weekly Expense Payments
Each week, we Draft a discounted amount of expense money from your bank and use it to pay all of your monthly household bills and expenses in full, and on time just like normal.
Household Budget Contribution Rider
The Budget Contribution Rider lets PāyZero® establish a fund that offsets the costs of your monthly household expenses by 25% in Yr-2, 50% in Yr-3, 75%in Yr-4, and 100% Yr-5 and on. You Deserve Financial Freedom!
Can Start at Your Bank
A Bill-PayPro™ Account can be established your current bank so you do not have to change banks to participate in Bill-PayPro™.
Credit Builder Services…
Re-Establish Good Credit
⇒ After 90 days, participants have access to low interest unsecured Major Credit Cards, Auto and Mortgage loans from our partner banks®
Unsecured PāyZero® Visa®/Mastercard® Credit Card with No Payments.
⇒The next 1,000 participants will be issued an unsecured a high credit limit PāyZero® Bank Visa®/Mastercard® Credit Card with Zero Payments.
BPP Score™
⇒ Households paying monthly expenses through Bill-PayPro™ for a period of 90 Days will earn a BPP Score™
Cost You Nothing
⇒ There is no Fee for starting Bill-PayPro™.
Participant Reviews…
Participating in the Bill-PayPro™ was a very smart move. I deposit into my Bill-PayPro™ Account. You pay my bills and make sure I have more than enough for food, gas, and shopping. I can't wait to see my BPP Score™ and get my credit for with a $6,100 limit.
Barry Loewenstein
IT TechnicianWith the average credit repair services costing as much as $1,500, I was glad to find out I could start over with PayZero®, and experience Bad Credit Forgiveness from their partner banks. When my BPP Score™ is generated, I will be approved for a Visa Card with a limit of $5,000 and zero payments.
Mikelle B. Evans
RealtorBefore Bill-PayPro™, I was just barely paying my bills on time. Now PāyZero® manages and pays all of my monthly household expenses for me, and I my dividend is $700 per month. Same income, same expenses...I got an Extra $700/mo.
Mia Vella
Executive
Overview
Frequently Asked Questions…
⇒ Below are some relatable questions you may find helpful in your journey to get started with us.
Bill-PayPro™ is a financial technology tool and automated bill pay platform used to manage the money a household spends each month. Bill-PayPro™ is a CBDC (Central Bank Digital Currency) ready online “Payments as a Service” (PaaS) portal where you enter your total household expenses, account numbers, addresses, and due dates so we can begin paying your expenses in full and on time. The data from the Bill-PayPro™ Automated Bill Pay Platform is used to generate a consumer performance score based on net income, cost of household expenses, the number of expenses paid by automated bill pay, and other factors used to compile a BPP Score™
In 1994, the founder Karriem Ali wanted to show hard-working American households a better way to execute their budget. One that when used, would generate an instant savings for the household on the total out-of-pocket for everyday household bills and expenses. It was not until 2018 did the digital technology become available for us to help individual households on a UX (User Experience) platform. So Bill-PayPro™ was born.
Convenience! | Stress Relief! | Peace of Mind! | Bad Credit Forgiveness from your BPP Score™
While you do a great job paying your bills, having a Bill-PayPro™ Account has its privileges. When you begin depositing money into your Bill-PayPro™ Account to cover your monthly expenses, not only are we paying your bills based on your budget, but our business model affords our company a subsidy that we can share with you in interest for you giving us the opportunity to pay your household bills and expenses. That means we can provide you a discount of 10% of the amount of your monthly living expenses. For the beta test, that works out to between $250 – $2,000 on top of what you are already saving. No matter how much you try to lower shrink, or adjust your budget, our system is still going to pay 100% of the expenses you ask us to pay at a 10% discount each month you use our services. So actually, the higher your budget, the bigger your discount.
No matter the amount of money you spend each month on your household bills, expenses, and lifestyle, when your monthly household bills and lifestyle expenses are being paid using the Bill-PayPro™ automated bill pay platform, we will ensure all of your household bills and expenses are paid in full, and on time just like normal in preparation for generating your highest BPP Score™ possible.
So, the answer is simple. No matter how you are at budgeting, good or bad, using Bill-PayPro™ will place an extra $250 – $2,000/month in your pocket.
The PāyZero® Affiliate Program gives you the opportunity for True Financial Freedom.
We have the perfect system in place that will allow you to cover 100% of your household expenses by referring people to the Bill-PayPro™ Automated Bill Pay Platform Long-Term Study. PāyZero® will pay you $100/mo. for each household you refer to Bill-Pay Pro™ Long Term Study. (up to $20,000 per month).
For instance: If you are spending $5,500/mo. on your household expenses and total lifestyle, you would need 55 referrals to cover the cost of your monthly expenses. At that point, your check would be enough to pay 100% of your total monthly expenses for as long as your referrals remained enrolled in our program.
All you have to do is Pay Your Bills using Bill-PayPro™, refer enough households, and You Will Be Financially Free!
Our requirements are simple:
- Monthly Bills Minimum – Minimum Net Household Expenses: $2,500/mo.
- Financial Stability – Must be able to afford weekly deductions for bill pay (Example $5,100/4)
- Age – Minimum age is 25, Maximum age is 80 years.
Disclosure…
Disclosure: PāyZero® Inc. DBA PāyZero® is a Credit Reporting Agency providing consumer advocacy, credit decisioning, and loan term recommendations stemming from an in-house generated consumer performance score based the consumers usage of the Bill-PayPro™ Automated Bill Pay System.
Introducing the BPP Score™ (Bill-PayPro™) as a new credit approval and decisioning system based on your net household income, budget, and online bill pay usage, and other factors used to compile a BPP Score™ that is shared with our partner banking institutions to determine your “new credit affordability” This new method of credit approval will revolutionize your opportunity to establish credit that does not place you in financial hardship.
The BPP Score™ will be especially helpful for those with a low credit score with the major bureaus. The BPP Score™ is generated after a consumer has successfully paid household expenses through the Bill-PayPro™ Automated Bill Pay System for 90 consecutive days. The ‘easy to follow’ strategy behind the Bill-PayPro™ translates into a doable financial plan for your household. Paying your household living expenses through Bill-PayPro™ makes you eligible for the Bill-PayPro™ Monthly Debt Dividend Pool.
Bill-PayPro™ can deliver a Monthly Debt Dividend in an amount equal to 10% of your total household living expenses amount. (between $250 – $2,000/mo.). The dividend pool represents the funds used to ensure participants never have to make out-of-pocket payments towards their PāyZero® Visa®/Mastercard® Credit Card as long as they continue to pay their household living expenses through Bill-PayPro™. Upon card usage, dividend proceeds can be disbursed to cover the balance of the PāyZero® Visa®/Mastercard® Credit Card evenly over a 12-month period. Participants can choose to use your own resources if you need accelerate lowering your card balance in order to increase your FICO® score with the other major credit agencies. We are currently running a Long-Term Study on consumer net income v/s expenses, and their usage of online bill pay to determine their affordability of “new credit payments”. After your BPP Score™ is established, your application for the PāyZero® Visa®/Mastercard® Credit Card will be submitted. If there is any delay in the process, PāyZero® will pay you your non-taxable 10% Monthly Debt Dividend by monthly check.
*PāyZero® Visa®/Mastercard® Credit Cards with “Zero Payments” are reserved for the next 1000 households ordering their BPP Score™. Standard credit card FICO® score qualifications, due dates and payment rules apply for households applying for a BPP Score™ after 1000 applications have been submitted.
All management questions and adjustments are handled via Zoom® Meetings. *PāyZero® has Zero access to your bank account(s). The PāyZero® Credit Agency is a FinTech (Financial Technology) company, and not a bank. In 2024, PāyZero® will provide Credit Advocacy services, credit decisioning, loan term recommendations based on consumer affordability, a Visa/MasterCard credit card, BaaS (Banking as a Service) all stemming from the results of consumers having their monthly household expensed paid through the Bill-PayPro™ Automated Bill Pay Platform, and the accompanied BPP Score™.
As of now, Bill Pay Services are provided through our corporate accounts at BlueVine® online and Coastal Community Bank, Member FDIC®. Bluevine accounts are FDIC® insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC®. See the Coastal Community Bank Privacy Policy. Bill-PayPro™ is a SaaS underwritten by PāyZero® Incorporated © 1994 – 2023. All Rights Reserved.
Easy Qualification: Must be Employed salary or hourly, Military, Retired or Fixed Income, Age 25 or older, A minimum of $2,500/mo. and a maximum of $20,000/mo. in household and lifestyle expenses. For the best results, you need to add as many bills and expenses as possible to our user interface platform.