Whether you need assistance with your credit score or establishing a credit profile, The Credit Pros may be able to help. The Credit Pros offers credit-building tools and a money-back guarantee to help anyone prepare to rent a home, apply for a mortgage, or open a credit card.
They offer three levels of service, depending on your needs and budget. We offer a free consultation and guidance on which service is best for you.
The Company help people improve their credit scores by removing errors and inaccuracies from their credit history since 2009.
A whopping $69 – $149 per month is the cost of its AI-driven services. The three plans are Money Management, Prosperity, and Success Plus.
Despite its high monthly cost and first work fee, the Money Management plan offers a budgeting system, credit monitoring, and light identity theft protection. However, for the price you’re paying for these services, the Money Management plan is far from the best credit monitoring service or the best identity theft protection service.
For full credit repair, you will need the Prosperity or Success Plus plans. Aside from credit disputes, these services also offer various letter templates for various credit situations, for example goodwill letters you can send creditors requesting they forgive late payments and take them out of your credit report. These are services you can do yourself, but some guidance may be helpful.
The Success Plus plan also comes with a $5,000 credit builder loan through The Credit Pros partner, National Credit Direct. If you don’t need a credit builder loan, the Prosperity plan will do just fine. You’ll be better off finding companies that specialize in building credit if you want to improve your credit. Find out more about the best credit builder loans in our guide.
There is one feature of Credit Pros service that covers clients for deleted items that reappear on their credit report as part of its refund policy. In that event, Credit Pros will reinvestigate those items without any additional charge for life. This guarantee is available only to Prosperity or Success Plus subscribers.
In addition to its A+ rating from the Better Business Bureau without accreditation, Credit Pros has received an average customer rating of 3.97 stars out of five. The company is more successful on Trustpilot, where it received an average of 4.7 stars across 358 reviews, with 93% of customers giving it four or five stars.
Maine, Minnesota, Kansas, and Oregon residents cannot use The Credit Pros.
Our review of The Credit Pros included evaluating over 15 debt relief companies based on their company reputation, customer service options, products and services, transparency, pricing, positive reviews, and customer testimonials, as well as excellent third-party reviews.
Pros:
- Customer reviews are great: Third-party reviews of The Credit Pros are overwhelmingly positive, compared to other companies.
- Customer service that is excellent: Contacting a representative is fairly easy through email, phone, mail, and live chat on the website, mobile app, or customer portal.
- Provides a 90-day money-back guarantee: Up to 90 days after signing up, you can cancel for a full refund if you’re unhappy with your progress
- Provides credit-building tools, not just credit repair: The Credit Pros offers a $5,000 line of credit through the Money Management plan, as well as a credit builder loan through Success Plus.
- Free credit monitoring and ID theft insurance: To complete work, many other credit repair companies require you to sign up for a third-party credit monitoring service. The Credit Pros provides this service for free.
Cons:
- It’s a bit pricey: When compared to other credit repair companies, Credit Pros isn’t the most expensive option.
- There may be a limited number of credit-building tools available: A TransUnion report is the only one of the three main credit bureaus that are regularly monitored by the two cheapest packages. The credit builder line of credit appears only on your Experian report and not on your TransUnion or Equifax report, according to customer support.
- There are strings attached to the money-back guarantee: There is a 90-day money-back guarantee available for the Prosperity and Success Plus packages, but not for the Money Management package.
Types of Debt Addressed
According to your needs and your budget, the Credit Pros offers three levels of service. In accordance with the company’s website, it takes three to five business days for them to begin working on your credit, but customer support confirms that they may begin working within one day.
- Prosperity Plan
For those with verifiable errors on their credit reports, The Credit Pros’ Prosperity Plan offers credit monitoring and score updates, but only for TransUnion, one of the three credit bureaus.
The Credit Pros can assist you in dealing with creditors who are harassing you with nonstop collection calls and other types of harassment.
- Success Plus Plan
If you want to repair your credit and aren’t on a tight budget, the Success Plus Plan might be a better option.
If you make timely payments, you’ll also be able to access a credit builder loan, which will add another positive account to all three of your credit reports.
- Money Management Plan
A credit repair company cannot help you if you are new to building credit. A credit analyst will review your credit reports and develop a customized plan based on the results. This package from The Credit Pros helps you develop good credit habits that improve your credit reports and your score.
Credit Pros can offer you a $5,000 line of credit from National Credit Direct. This credit line can only be used in the National Credit Direct store and will appear only on your Experian credit report.
Reputation of the company
The Credit Pros has a lot of positive reviews on third-party sites. If you’re considering a company, we recommend checking the Consumer Financial Protection Bureau (CFPB) database for complaints. There are no complaints registered with the CFPB against The Credit Pros.
Scams plague the credit repair industry, unfortunately. The company may promise to remove all negative marks from your credit report, advise you not to contact the credit reporting agencies yourself, or refuse to explain your rights under the Fair Credit Reporting Act.
Average Time for Relief
Getting errors corrected on your credit report takes only a few months while establishing a strong credit profile can take years. Most consumers cancel their service once they see results.
In the event you are unsatisfied with the service, you should be able to get a full refund within five days of signing up. You may be able to get up to 90 days of fees refunded if you meet the following criteria:
- In the past 180 days, you haven’t hired another credit repair agency.
- According to the contract, you followed all instructions, terms, and conditions.
- Money Management is not eligible for a 90-day money-back guarantee (you paid for either the Prosperity or Success Plus packages).
- Credit Pros did not send out any dispute letters within 30 days of hiring them, or they weren’t able to remove any inaccurate information from your credit report within 90 days of hiring them.
The Competition
| The Credit Pros | Credit Versio | Credilife | |
|---|---|---|---|
| Services Offered | Credit building, Credit and hard inquiry disputes, Credit monitoring, Identity theft insurance, Business credit repair | Software-driven credit analysis, Credit disputes, Credit education, Credit monitoring, Identity theft insurance | Credit and hard inquiry disputes, Credit monitoring, Identity theft insurance for a fee |
| Maximum # disputes | Unlimited | Unlimited | Unlimited |
| Letters to Creditors/Bureaus | Credit Disputes, Letter of Reference | Credit Disputes | Debt Validation, Credit Disputes, Letters for Anything Derogatory, Goodwill Removal, Cease-and-Desist |
| Monthly Fee | $119 | $19.99 | $135 |
| Customer Service | Email, phone, live chat online and in-app | Email, phone | Email, phone |
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