The Credit Pros Credit Repair Review

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The Credit Pros Credit Repair Review

If you’re seeking for credit repair, The Credit Pros could be one of the first firms you come across. The Credit Pros conducts things a little differently than most other credit repair organizations. Yes, you can obtain assistance mending your credit, but you can also get help creating your credit from start if necessary.

Taken as a whole, this is a full suite of services that may assist anybody in preparing to rent a great house, get an inexpensive mortgage, establish a rewards credit card, or do any of the other things in life that need strong credit. However, before you join up, you should grasp the details of The Credit Pros’ services and how they compare to other credit repair organizations.

The Credit Pros isn’t the only company that can help you improve your credit. Before selecting on the best credit repair company for your requirements, look into the top credit repair firms.

Pros Explained

  • Excellent customer ratings: When compared to other firms, The Credit Pros has a large presence and overwhelmingly positive feedback. Of course, it is not everyone’s experience, but it is a major point in the company’s favor.
  • Excellent client service: It’s pretty simple to contact someone by email, phone, fax, snail mail, and live chat on the website, on a mobile app, or via your online customer portal.
  • Provides a 90-day money-back guarantee: If you are dissatisfied with your development, you may cancel and get a full refund for up to 90 days of services. However, there are certain limitations—see the “Cons” section.
  • Provides credit-building tools in addition to credit repair: According to customer service, The Credit Pros provides a $5,000 line of credit to clients on the Money Management plan to assist them develop credit. It also provides a credit builder loan to Success Plus plan members who want to accomplish the same thing.
  • Free credit monitoring and identity theft protection: In order to finish work, many other credit repair organizations ask you to sign up for a third-party credit monitoring service, which is not included in their charge. But it is with The Credit Pros, so you won’t have to worry about any upsells straight away.

Cons Explained

  • A little pricey: The Credit Pros isn’t the cheapest choice when compared to other credit repair organizations, but it’s also not the most costly.
  • Credit-building resources may be scarce: The two most affordable plans simply include frequent monitoring of your TransUnion report, one of the three major credit agencies. According to customer service, the credit builder line of credit only appears on your Experian record, which will have no effect on your TransUnion or Equifax reports.
  • Money-back guarantee comes with conditions: The 90-day money-back guarantee is offered only for the Prosperity and Success Plus packages, not the Money Management package. Even yet, if The Credit Pros is successful in removing any wrong information, the money-back promise is null and void; it only applies if they are unable to assist. It also does not apply if you have used any other credit repair services in the past 180 days.

Types of Services

Depending on what you’re searching for and your budget, The Credit Pros provides three levels of service. According to the website, it takes three to five business days for the firm to begin working on your credit, however customer care informed us that the company may begin working within one day.

Prosperity Plan

The Prosperity Plan is The Credit Pros’ entry-level credit repair plan, designed for those with confirmed mistakes on their credit reports. With this package, credit monitoring and score updates are only accessible for one of the three credit agencies (TransUnion), which is regrettable.

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This subscription, on the other hand, assists with submitting limitless complaints to delete wrong information from your credit reports. If you’re experiencing problems dealing with creditors, such as receiving incessant collection calls and other forms of harassment, The Credit Pros can assist. It may also send out other sorts of dispute letters and even create you a credit recommendation letter if you need to utilize your credit before it’s cleaned up.

Letters of reference from credit repair agencies undoubtedly help, but your creditors are under no legal duty to take them seriously.

Success Plus Plan

If you’re serious about restoring your credit and don’t have a tight budget, the Success Plus Plan may be a better fit.

It contains everything in the Prosperity Plan as well as two major bonuses: You will get comprehensive monitoring coverage for all three credit bureaus (instead of just TransUnion).You’ll also have access to a credit builder loan, which will add another good account to all three of your credit reports if you pay on time.

Money Management Plan

Most credit repair organizations will not be able to assist you if you are new to credit building or if there is nothing incorrect on your credit reports. This bundle, which is offered through The Credit Pros, is unique. Instead than concentrating on correcting problems, it focuses on creating excellent credit habits that will show up in your credit reports and credit score.

This package, like the Money Management plan, just covers monitoring of your TransUnion report, which isn’t very useful given that the other two are equally vital.

To begin, a credit analyst will review your credit records. Your credit analyst will meet with you (virtually), answer any concerns you have about credit development, and assist you in developing a personalized strategy for your specific scenario.

One of the more unusual ways in which The Credit Pros does this is by providing you with a $5,000 line of credit from National Credit Direct. You can only use this to make purchases at the National Credit Direct store, so it’s fairly restricted, and the costs are also rather expensive. Having this account mentioned on your credit report can normally benefit as long as you don’t carry a large debt or skip any payments.

Although this credit line may help you develop credit, it will only be displayed on your Experian credit report, therefore it will have no influence on your TransUnion or Equifax reports and scores.

It is OK to use credit cards to develop credit, but strive to pay them off in full each month, particularly if you are new to using credit cards. This retains your equilibrium at a more reasonable level.

Company Features

One of the most appealing aspects of The Credit Pros is the sheer quantity of services it provides in comparison to other credit repair organizations. Everyone receives a free consultation, which is very crucial to take advantage of before joining up with The Credit Pros due to the company’s many package choices. They will be able to advise you on which plan is most suited to your requirements.

The Credit Pros also provides personalized advice and support for all package levels. For example, if you’re unsure about the best strategy to pay off your debt to improve your credit, they’ll be able to assist you. If you own a company and need assistance with your business credit score, they may also be able to help.

If you like using your smartphone, The Credit Pros may appeal to you since it is one of the few credit repair organizations that provides an app-based service. You may also use the app to talk live with a credit analyzer and ask questions.

  Super-Prime Credit

Customer Service

The Credit Pros’ customer service is excellent, with just a few minor flaws. Customer service is available Monday through Friday from 9 a.m. to 8 p.m. EST. That may be inconvenient for those on the West Coast who want to talk early in the morning.

The Credit Pros, on the other hand, make themselves accessible on a broader variety of channels than is typical. Unlike other firms, who only provide email and phone help, you may additionally chat with a live agent during customer care hours. For individuals who aren’t existing The Credit Pros clients, live chat is accessible inside your online customer portal, via the app, and even on the front-facing website.

  • Phone: (800) 411-3050
  • Email: [email protected]
  • Fax: (973) 732-0794
  • 7750 Okeechobee Boulevard, Suite #4-765, West Palm Beach, FL 33411

Company Reputation

The Credit Pros reviews are copious and usually favorable throughout the internet, nearly without exception. This is encouraging since it indicates that the firm employs a significant number of individuals who are generally satisfied with the service.

By our reckoning, over 1,700 consumers have submitted reviews and ratings of the firm on six major review websites, including Google, Trustpilot, Yelp, the Better Business Bureau, Google Play, and the Apple Itunes store, as of August 2022. Each of these websites has a rating of more than four stars for The Credit Pros, with the exception of Yelp, which has 29 reviews and a two-star rating. Keep in mind that these websites might be prejudiced at times. However, considering the consistency of the evaluations, we believe it is modest in this instance.

Some dissatisfied consumers (understandably) were unaware of the company’s money-back guarantee’s limits and did not observe an increase in their credit ratings. However, the majority of individuals are content.

Contract Duration

You may cancel your service at any moment without incurring any expenses. When they get the achievement they want in terms of a higher credit score, most customers discontinue their subscription.

If you are dissatisfied with the service, you are entitled to a full refund within five days of signing up. However, after you pass that point, your options become more restricted. You may be eligible for a refund of up to 90 days’ worth of fees if you fulfill the following criteria:

  • You have not used another credit repair company in the last 180 days.
  • You followed all of the contract’s requirements, terms, and conditions.
  • You purchased the Prosperity or Success Plus packages (the Money Management package is not eligible for a 90-day money-back guarantee).
  • The Credit Pros did not send out any dispute letters within 30 days of hiring them, nor did they erase any wrong information from your credit report within 90 days.

One thing to remember about the Money Management program, which is intended for those who want to grow their credit rather than repair it, is that credit building takes longer than credit repair. It is common for inaccuracies on your credit report to be corrected within a few months, however maintaining a healthy credit profile might take years. You may, of course, discontinue service whenever you feel you have a decent grasp on things, but you won’t be qualified for the money-back guarantee with that plan.

A skilled fee-only, fiduciary financial adviser may also help you improve your credit score and other aspects of your financial life. They are more costly, but they can combine everything, including your credit, investments, savings, budget, and future goals.

Cost

In exchange for the above-average service provided by The Credit Pros, you will have to pay somewhat more than with other organizations. Here’s how much each plan will cost you:

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PlanFirst Work FeeMonthly Fee
Prosperity$119$119
Success Plus$149$149
Money Management$119$69

Certain people may benefit from discounts provided by Credit Pros. If you presently receive Social Security or are on active duty in the military, you may be eligible for a discount. Furthermore, the organization offers limited discount chances to those who need a significant amount of work on their credit reports.

How to Choose a Credit Repair Company

It might be difficult to choose a credit repair firm. After all, if you had known what to look for, you could have fixed your credit on your own. If you need some assistance, here’s how to choose the best choice for you:

  • Know what to check for when it comes to credit repair scams: Unfortunately, the credit repair industry is riddled with scammers. Promises to delete any bad marks from your credit reports (even if they are correct), instructing you not to contact the credit reporting agencies yourself, or refusing to inform you of your rights under the Fair Credit Reporting Act are all warning flags.
  • Determine how much assistance you require: Some firms, such as The Credit Pros, provide white-glove service and as much engagement as you need with a human credit analyst. Other businesses take a more hands-off attitude.
  • Identify a few firms to interview: After doing your research on prospective credit repair organizations to use, narrow it down to a few and then contact them to ask questions. Treat it as if you’re doing an interview for a job, because you are.
  • Inquire about any and all costs that may be imposed: Many credit repair organizations charge extra for services that you would expect to be included in the service fee, such as denying hard credit inquiries. Before you hire a credit repair business, inquire about any and all expenses.
  • Do not get into long-term commitments with no way out: Some firms may force you to sign a contract for a certain period of time with no ability to back out or get your money back if you are unsatisfied. Credit repair takes as long as it takes, and if it is completed sooner, you should be allowed to proceed without penalty.

Alternative Choices

The Credit ProsCredit VersioCredilife
Services OfferedCredit building, Credit and hard inquiry disputes, Credit monitoring, Identity theft insurance, Business credit repairSoftware-driven credit analysis, Credit disputes, Credit education, Credit monitoring, Identity theft insuranceCredit and hard inquiry disputes, Credit monitoring, Identity theft insurance for a fee
Max. Number of Monthly DisputesUnlimitedUnlimitedUnlimited
Letters to Creditors/BureausCredit Disputes, Letter of ReferenceCredit DisputesDebt Validation, Credit Disputes, Letters for Anything Derogatory, Goodwill Removal, Cease-and-Desist
Min. First Work Fee$69$0$21.99
Min. Monthly Fee$119$19.99$135
Customer Service PlatformsEmail, phone, live chat online and in appEmail, phoneEmail, phone

Final Verdict

Most individuals searching for credit repair will find The Credit Pros to be a good alternative. It’s difficult to find a firm with a higher rating, greater customer support, and so many different service alternatives. However, if you’re on a tight budget or like to do more of your own work, there are alternative firms that may be a better fit for you.

The Credit Pros is our top-rated credit repair firm, but if you want to look around, check out all of our recommendations for the finest credit repair services in the market.

How We Review Credit Repair Companies

Before deciding on our top picks, our staff assessed 17 credit repair organizations and gathered over 600 data points. We evaluated 39 factors, giving the greatest weight to the ones that are most important to consumers.

The top picks were selected based on:

  • Costs and fees (total weighted at 40.5%)
  • Services offered (34%)
  • Customer experience (22.5%)
  • Stability (3%)

We considered criteria such as how many disputes would be issued each month, the kind of dispute letters that will be sent, cancellation and refund policies, and the length of time firms have been in operation. This data was utilized to generate our company’s star ratings and top selections.

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