The Credit Pros Review: Expert Guidance For Credit Repair
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Making sound financial decisions can be challenging. Unexpected emergencies, such as medical bills, car repairs, or job loss, can arise at any moment, potentially leading to financial strain and negatively impacting your credit score. A low credit score can make securing loans, credit cards, or even favorable interest rates difficult.
This is where credit repair companies come into play, offering services designed to help you improve your credit score and put your back on solid financial footing. One such company is The Credit Pros, a financial technology firm dedicated to helping individuals repair and enhance their credit scores.
In this The Credit Pros review, we will delve into its credit repair process, key features and pricing plans. Additionally, we'll discuss who can benefit most from their services and who might find alternative solutions more suitable.
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What is The Credit Pros?
Established in 2009 by Damon DeCrescenzo and Jason Kaplan, The Credit Pros is a financial technology firm specializing in credit repair and education. The service was founded after Damon DeCrescenzo and Jason Kaplan identified a significant need among individuals with low credit scores during their work on an affordable housing project.
Since its inception, The Credit Pros has experienced steady growth and expansion. In 2012, the company reached a milestone by hiring its first employee, marking the beginning of its journey toward becoming a nationwide company. A year later, in 2013, The Credit Pros launched its first client portal, providing customers access to their credit reports, tools, and personalized advice remotely.
By 2016, The Credit Pros had established direct relationships with credit bureaus, enabling clients to access real-time credit reports. This development further solidified the company's position in the industry and facilitated its expansion.
In 2020, The Credit Pros introduced new offerings, including credit builder loans and an AI-assisted program for disputing unverified items on credit reports, aimed at assisting clients in improving their credit scores.
Today, The Credit Pros serves over 1 million customers across 46 states, offering services tailored to help individuals understand and improve their credit scores. Inc. Magazine has consistently ranked the company among America's fastest-growing companies and one of the 50 best places to work, recognizing its commitment to excellence.
The Credit Pros is not accredited by the Better Business Bureau (BBB). It is rated 3.98/5, based on 148 customer reviews. The company boasts overwhelmingly positive reviews on Trustpilot.
What does the process look like?
The Credit Pros' credit repair process begins with a free consultation and education session. They offer a free summary of your Equifax credit report and schedule a consultation with a FICO expert to help you understand it better. During this consultation, the expert explains the positive and negative aspects of your credit score.
After the consultation, you can use The Credit Pros' online portal to identify any issues on your credit report that you believe is inaccurate, outdated, misleading, or incorrect. Once you've pointed out these items, The Credit Pros will handle the dispute process with the credit bureaus on your behalf.
Increase Your Credit Score (And Get Your 3 Bureau Reports Free!)
- FREE "Certified Credit Repair Specialist" Consultation
- 90 Day Money Back Guarantee
- Takes Less Than 2 Minutes To Sign Up
The Credit Pros features
Here are a few of The Credit Pros’ top features:
90-day money-back guarantee
The Credit Pros supports their services with a robust 90-day Money-Back Guarantee, offering clients peace of mind and assurance in their credit repair journey. This means you’ll get your money back if none of the negative items on your credit report are deleted within 90 days. The company also uses AI to ensure that its work is free of human error.
Credit builder loan
The credit builder loan provided by The Credit Pros offers clients a strategic pathway to fortify their credit profiles and improve their financial standing. This solution allows individuals to access funds for building a positive credit history. By adhering to the loan terms and making timely payments, clients can demonstrate responsible financial behavior and positively impact their credit scores. Late payments take a massive toll on your credit score!
After all, timely payments make up 35% of your credit score!
Reports to all three credit bureaus
One of the hallmark features of The Credit Pros is their practice of reporting to all three major credit bureaus — Equifax, Experian, and TransUnion. This reporting ensures that clients' credit activities are accurately documented across the board, maximizing the potential for credit score improvement and enhancing overall creditworthiness.
Tools for building credit
The Credit Pros offers diverse tools and resources designed to empower individuals in various aspects of their financial journey. These tools encompass credit-building strategies, guidance on credit cards and personal loans, debt consolidation options, income augmentation techniques, access to cash advances, and recommendations for financial apps.
Helpful articles
Through their extensive library of articles, The Credit Pros delivers valuable insights and guidance on key topics related to credit repair, credit score enhancement, credit "how-to's," debt reduction strategies, and updates on developments within the credit industry. These articles serve as educational resources, offering practical tips, expert advice, and relevant information to help individuals make informed decisions and achieve their financial goals.
How much does The Credit Pros cost?
The Credit Pros has three pricing tiers:
Money management
The entry-level Money Management plan costs $69 monthly plus a $119 first work fee. It includes:
- One Bureau Report and Score
- ID Cover Darkweb Monitoring
- Fraud Alerts from Transunion
- Real-Time Accounts Sync
- Bill Reminder System
- Debt Payoff & Budgeting System
Prosperity
This mid-tier plan costs $129 monthly plus a $129 first work fee. It includes everything in the previous plan as well as:
- Unlimited Disputes With all 3 Credit Bureaus
- Creditor Interventions
- Cease And Desist Letters
- Letter of Reference
- Access to all 3 Credit Bureau Reports & Scores
Success plus
This priciest plan costs $149 monthly plus a $149 first work. If you qualify for this package, you’ll undergo a three-step restoration process.
- The Credit Pros provides unlimited credit disputes of any questionable items on clients' credit reports with all three major credit bureaus.
- In addition, their partner offers a tradeline of up to $5,000, allowing clients to purchase from Nationalcreditdirect.com. These transactions are reported to Experian every month. Since positive items account for over a third of a credit score, this feature helps strengthen clients' credit over time.
- The Credit Pros also offers a credit builder program in which clients' payments to The Credit Pros are reported to all three credit bureaus. This creates a positive payment history, further enhancing clients' credit profiles.
Increase Your Credit Score (And Get Your 3 Bureau Reports Free!)
- FREE "Certified Credit Repair Specialist" Consultation
- 90 Day Money Back Guarantee
- Takes Less Than 2 Minutes To Sign Up
Who is The Credit Pros best for?
The Credit Pros is best suited for individuals looking to repair and improve their credit scores through a comprehensive, technology-driven approach. It is ideal for those who:
- Have inaccurate or negative items on their credit reports. Individuals with erroneous, outdated, or misleading items on their credit reports will benefit from The Credit Pros' unlimited dispute service with all three major credit bureaus.
- Need credit education and support. Those who want to understand their credit reports and learn how to manage their credit better will find the consultation with FICO experts and the extensive library of educational articles very helpful.
- Are looking to build a positive credit history. The Credit Pros offers tools such as credit builder loans and partnerships that provide tradelines, helping clients establish and maintain a positive credit history.
- Require comprehensive credit monitoring and tools. Clients who need a range of financial tools, from credit cards and personal loans to debt consolidation and income augmentation, will appreciate the broad spectrum of resources offered.
Who shouldn’t use The Credit Pros?
The Credit Pros may not be the best fit for individuals who:
- Have a limited budget. The monthly costs, ranging from $69 to $149, plus initial fees, might be prohibitive for those on a tight budget.
- Expect immediate results. Credit repair and building a positive credit history take time. Individuals seeking instant credit score improvements may not find this service suitable.
- Prefer DIY credit repair. Those comfortable handling disputes with credit bureaus and managing their credit independently may not see the value in paying for professional services.
- Have a minimal credit history. If someone has very little credit history rather than negative items, they might benefit more from other credit-building methods specifically tailored to establishing initial credit.
- Are unwilling to commit long-term. The best results typically appear after six months in the program. Individuals unwilling to commit to this duration may not experience the full benefits.
Pros and cons
Pros
- Comprehensive services. The Credit Pros offers a wide range of services including credit repair, credit builder loans, unlimited disputes with all three major credit bureaus, creditor interventions, and access to financial tools and educational resources.
- Professional expertise. With over a decade of experience in the industry, The Credit Pros boasts a team of FICO experts who provide personalized consultations and guidance to clients.
- Positive reporting. The Credit Pros' partnership with Nationalcreditdirect.com allows clients to access a tradeline of up to $5,000, with purchases reported to Experian monthly.
- Reporting to all three credit bureaus. By reporting to all three major credit bureaus — Equifax, Experian and TransUnion — The Credit Pros ensures that clients' credit activities are accurately documented across the board.
- Educational resources. The Credit Pros offers a wealth of educational resources including articles covering various credit-related topics, debt reduction strategies and updates on developments within the credit industry.
Cons
- Cost. The pricing for The Credit Pros' services may be prohibitive for some individuals, particularly those on a tight budget. With monthly fees ranging from $69 to $149 plus initial work fees, the cost of enrollment could be a deterrent for those seeking more affordable credit repair solutions.
- Time to see results. While The Credit Pros aims to deliver results within a reasonable timeframe, clients may need to commit to the program for several months before seeing significant improvements in their credit scores. This may require patience and dedication on the part of the client.
- Not suitable for DIY enthusiasts. Individuals who prefer a hands-on approach to credit repair and are comfortable handling disputes with credit bureaus independently may not see the value in paying for professional services. The Credit Pros may be better suited for those who prefer expert guidance and assistance.
Increase Your Credit Score (And Get Your 3 Bureau Reports Free!)
- FREE "Certified Credit Repair Specialist" Consultation
- 90 Day Money Back Guarantee
- Takes Less Than 2 Minutes To Sign Up
FAQs
What services does The Credit Pros offer?
The Credit Pros offers a range of services including credit repair, credit builder loans, unlimited disputes with all three major credit bureaus, creditor interventions, cease & desist letters, credit monitoring, and access to financial tools and educational resources.
How does the credit repair process work at The Credit Pros?
The credit repair process starts with a consultation and education session where clients receive a free summary of their Equifax credit report. A FICO expert explains the positive and negative aspects affecting the credit score. Clients then use the online portal to identify any inaccuracies on their credit report, and The Credit Pros handles the dispute process with the credit bureaus on their behalf.
How much does The Credit Pros cost?
The Credit Pros offers three pricing tiers: Money Management ($69 per month plus a $119 first work fee), Prosperity ($129 per month plus a $129 first work fee), and Success Plus ($149 per month plus a $149 first work fee). Each plan includes different features and levels of service.
How long does it take to see results with The Credit Pros?
Clients typically see the best results after six months of being in the program. This allows positive reporting to build traction and show a history of on-time payments, which is a significant factor in improving credit scores.
Does The Credit Pros report to all three credit bureaus?
Yes, The Credit Pros reports to all three major credit bureaus—Equifax, Experian, and TransUnion—ensuring that clients' credit activities are accurately documented across the board.
The bottom line
The Credit Pros offers a comprehensive solution for individuals looking to repair and improve their credit scores. It combines technology-driven tools with expert guidance.
With its wide array of features—including unlimited disputes, credit builder loans, reporting to all three major credit bureaus, and a wealth of educational resources—The Credit Pros provides a well-rounded approach to credit repair and financial empowerment. Its tiered pricing plans cater to different needs and budgets.
However, potential clients should weigh the costs and consider their commitment to a long-term credit improvement strategy. While The Credit Pros is ideal for those seeking thorough and professional assistance with their credit repair journey, it may not be the best fit for individuals who prefer DIY methods or are on a tight budget.
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Writer
Jasir Jawaid is Joy Wallet's Assistant Editor. He has more than 13 years of experience as a journalist covering Wall Street, equities, financial policy and regulation, and cryptocurrency and blockchain.
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