The Credit Pros

on TheCreditPros website

The Credit Pros Review 2019

By: Vik Holovanov Feb. 22, 2019

There are many credit repair services designed to help improve your credit. But not many people truly understand their credit or how their actions affect their score. The Credit Pros teaches users about their credit so they can make better financial decisions in the future.

The Credit Pros is staffed with in-house attorneys to teach you what a credit report is and how to repair it. They offer unlimited dispute letters and one-on-one action plans to get your credit back on track.

The downside to using this service is that it tends to be pricier than other companies out there. Here's everything you need to know about The Credit Pros and whether or not it's right for you.

What is The Credit Pros?

The Credit Pros was founded in 2009, which makes them newer to the financial scene. They take a different approach to credit repair by using in-house attorneys to teach customers about their credit. According to the website, The Credit Pros was ranked as one of America's top 5000 fastest-growing companies for five years in a row. It's a financial technology firm designed to educate clients on how to avoid credit mistakes. They were also listed by Inc. Magazine as one of the 50 best places to work.

The Credit Pros review

The Credit Pros is a great informational center for those who need to learn the basic ins and outs of how credit works. They discuss what credit is right on their website. They also outline some important need to know information about your credit. This includes who and what the major credit reporting business bureaus are and who can see your credit reports. The company is staffed with in-house attorneys to provide personalized advice regarding your account.

The company states that they take the trust you place in them very seriously. They claim that you should see your first credit report within 60 days of signing up for their services. This is because it takes some time to get the credit reports mailed out from the credit bureaus. The company suggests that you contact their customer service hotline if you do not see your first credit report within this time. They want you to feel safe when working with them.

Credit Pros Rating

A+ rating with the BBB.

The Credit Pros guarantees the following to their customers

No one will ever promise you or guarantee a specific outcome (such as getting you a perfect credit score)

Your private information is protected and secure

You will be treated with respect and your account will be handled professionally

You can cancel anytime

Your requests will be responded to as soon as possible

The Credit Pros offers several different services to help repair and restore your credit. They will dispute any negative item on your credit report until it's removed. The company promises to work hard so that your credit report is fair and accurate. Examples of items that you can have removed include late payments, judgments, and even bankruptcies. Other items that negatively affect your credit score are hard inquiries. The Credit Pros will do their part to make sure that these items are successfully removed from your credit report.

The company allows you to pay per item removed from your credit instead of making a monthly payment. Many reviewers claim that this can either help you or it can hurt your wallet. If you have many items that need to be removed, then you may want to commit to a monthly fee. If all you need is a few items removed from your credit report, then paying per item might be better.

Services The Credit Pros offer to help restore your credit

Identity theft restoration

Insurance

24/7 client portal access

Personalized plans created by a FICO professional

Ability to pick from monthly payments or pay as you go monthly plans

Cease and desist letters sent to collection agencies

Unlimited debt validation letters sent to creditors

Credit Pros services

According to the company’s website, the service helps you identify your most damaging and helpful credit behaviors and items. Then they provide honest credit advice when you need it. They also give you credit education tools and educate you so that you understand how credit works. This allows you to make better choices in the future when you stop using the service.

The Credit Pros attorneys help repair your credit by working with creditors to have negative items on your credit report removed. While you can do this yourself, it helps to work with a professional who is trained in this area. The company reminds customers that there is no guarantee that an item will be removed from your report.

Currently, The Credit Pros do not offer service in the following states:

● Kansas
● California
● Georgia
● Minnesota
● Maine
● South Carolina
● Oregon

How Does the Credit Pros Work?

The Credit Pros offers several different services. They are primarily used as an educational tool to help you better understand how credit works. They also remove negative items from your credit report to help restore your score.
  • You can start the sign-up process by contacting a representative of the company.

    Go to their website and fill out some basic questions. You will be scheduled for a free consultation over the phone. You can also schedule a free consultation by calling their toll free number at 877-208-6484. Lastly, you can request a free consultation by chatting with the company online on their website or making an online request.

  • After you sign up, a team member will contact you and review your credit report.
    They will work with you to find errors that need to be corrected. Then they send goodwill letters or debt validation letters to creditors to have these items removed. They also offer crease and desist letters to collection agencies to remove items.

The Credit Pros is staffed with in-house attorneys who are professionally trained in FICO scores. They can help you gain the advantage you need over your credit score.

When you sign up at The Credit Pro, you are essentially paying for their expertise. The company will identify all possible incorrect items on your credit report and remove them. Once they are removed, you’ll get an updated copy of your credit reports. You can pay a flat rate fee monthly or you can pay per item removed off your credit report.

The company also offers advice and online tools to help you learn about your credit. This should help you get back on track when making future financial decisions. Along with removing negative items from your credit report, The Credit Pros provides other services to help boost your credit. Examples include identity theft restoration, 24/7 customer support and access to your client portal. They also send cease-and-desist letters to collections agencies when needed. 

All of these tools are designed to teach you healthy financial habits to improve your score on your own. The Credit Pros helps remove past negative items from your credit report. Then they teach you how to not make the same mistakes in the future. This service is unlike other credit repair companies because they set you up with a plan for the future. You can cancel their service anytime. If you're not happy with the progress they are making with your credit, the company offers a money-back guarantee.

One of the downsides to working with The Credit Pros is that their monthly services tend to be more expensive than other credit repair services. They give you the option of paying as you go. But this can make you pay more money in the long run instead of agreeing to a monthly payment. The pay-as-you-go plan is $50 per item removed from your credit report. It's a good idea to identify all negative credit items that need to be removed from your report during your free consultation. Ask your representative to tally up the amount this would cost if you paid as you went. If it's more than what you would pay monthly,  If it's more than what you would pay monthly, then stick with a monthly flat rate fee or look elsewhere.

What Does the Credit Pros Cost?

The company offers four different pricing plans that range from $19 a month to $149 per month. Details are as follows:

Credit Sentry Monitorin

Credit Sentry Monitoring plan includes Trans Union credit monitoring, Trans Union credit score, full credit report, dark web monitoring, change of address monitoring, social security trace monitoring, payday monitoring, social network monitoring

$19/month

Money Management

Money Management plan includes all of the above plus bill reminder, budgeting system, real-time account sync, three bureau credit restoration, snowball and avalanche debt system TCP legal network, guaranteed $1,500 line of credit reporting to Experian, and debt validation letters to creditors

$69/month

Success Package

Success package plan includes all of the perks of the three above-mentioned packages combined including a guaranteed $1,500 line of credit reporting to Experian and save up to 80% on medication

$149/month

Prosperity Package

Prosperity Package plan includes all of the perks mentioned in the above two packages plus save up to 80% on medication (Note: this package does not offer a guaranteed line of credit)

$119/month

The Credit Pros also offer a pay-as-you-go option. You will want to discuss this during your free consultation to see how much you will be charged per negative item removed. If you have several items that need to come off your report, then you may want to go with one of the above-mentioned package plans.

If you seek to obtain a $1,500 loan in addition to repairing your credit, then you will need to go with the money management package or the success package. The prosperity package and the Credit Sentry monitoring package do not offer loans. Keep in mind that The Credit Pros will report your credit history to Experian if you take out a loan. This is a good way to restore your credit by making timely payments. Any negative credit behavior such as late payments will affect your score.

Talk to your representative during your free consultation if you're interested in a loan to determine possible interest rates. Your interest rates will likely be based on your past credit. Having good credit means that you'll be able to enjoy lower interest rates. Less than perfect credit may raise your interest rates because you are viewed as a risk.

Pros and Cons of The Credit Pros

One of the best features of working with The Credit Pros is the ability to pay as you go. No other credit repair service offers this feature. Keep in mind that you may end up paying more by paying as you go if your negative credit items exceed the monthly flat rate fee. For this reason, it's a good idea to talk to you or customer service representative during your free consultation. Doing so can help determine which plan is best for you.

The downside to working with The Credit Pros is that they tend to charge higher rates than other credit repair services. There's also no guarantee that the company can remove any negative items from your credit report. This is true of any credit repair service and not just The Credit Pros. There is also no guarantee that these items will stay off your credit report for good. In some cases, negative credit items may reappear on your credit report in the future. Many people find this disheartening because they pay for a service to have these items removed.

You can challenge credit items yourself. But because The Credit Pros are staffed with in-house attorneys who specialize in FICO scores, you're better off hiring their services. The attorneys at The Credit Pros will send cease-and-desist letters on your behalf. They will also send good intent letters to creditors to remove negative items from your report. Working with The Credit Pros also means you'll have access to credit monitoring. They will track your account activity and send you updates as changes are made to your credit report.

Other beneficial Services include identity fraud protection and personalized advice based on your credit history.

Here are some of the pros and cons of working with The Credit Pros.

PROS of the Credit Pros

  • Personalized plans from a FICO professional
  • Credit monitoring
  • Fraud protection
  • Pay-as-you-go options available
  • Cease and desist letters send to collection agencies
  • 24/7 access to client portal
  • Goodwill letter sent to creditors
  • Unlimited dispute letters
  • Debt validation letter sent to creditors
  • Four different pricing plans to choose from
  • Removal of negative credit items from your credit report
  • Updated credit reports sent to you when changes are made
  • 90-day money-back guarantee
  • You can cancel your service anytime
  • Credit education offered so you can make better choices in the future
  • Lines of credit are available with some plans
  • Ideal for first-time credit borrowers or those with minimal credit understanding

CONS of the Credit Pros

  • Higher than average monthly flat rate fees
  • There is no guarantee that negative credit items won't find their way back onto your credit report
  • It may take up to one year before you see results
  • Your FICO score may not increase as much as you would like it to
  • It cost $50 to have one negative credit item removed from your report if you choose the pay-as-you-go plan. This can add up quickly and amount to more than what you would pay for monthly flat rate fee.
  • Limited state availability. Currently, The Credit Pros does not offer service in all states. Check to see if your state is covered before signing up. Your loan terms may also be affected by what state you live in.

Much of the money you spend at The Credit Pros is because you are paying for in-house attorneys who are professionals at what they do. They will teach you the ins-and-outs of credit. It's a great service for first-time borrowers or for those who are not familiar with how credit works. If all you need is help with credit monitoring, then the $19 plan per month should be all you need. You'll also get help with future financial decisions. You will have to pay more for further services, such as identity theft, social security number tracking, and dark web monitoring.

You also need to enroll in a higher subscription if you want to be considered for a $1,500 loan through Experian. The benefit to taking a loan out through Experian is that they are one of the three major credit reporting bureaus. This means that taking out a loan directly from them will help positively change your credit score. The loan amount is small enough where you should be able to make small monthly payments on time. It shouldn't take long to raise your credit score when making good financial choices. Your interest rate will depend on your current credit score. Borrowers with good credit will enjoy smaller interest rates. Less than perfect credit means you may be subject to higher interest rates.

The Credit Pros warned that it may take up to one year before you see changes in your credit report. Most people see changes within 90 days. You will be sent an updated credit report every month to see the changes on your account. If you're not happy or have not seen changes within 90 days, then you can cancel your service and get your money back. Many people find it worthwhile to try the services at The Credit Pros based on this money back guarantee.

The Credit Pros Vs Other Credit Repair Services

Most credit repair companies offer similar services. They work with collection agencies and creditors to remove negative items from your credit report. The Credit Pros also offer personalized advice from in-house attorneys regarding your credit Behavior. They work with you to make sure you understand how credit works. Other companies may not spend this personal time with you to ensure your financial future.

The Credit Pros offers a pay-as-you-go option starting at $50 per credit item. If all you need is one or two items removed from your report, then this makes the service worthwhile. If you have many items that need to be removed from your report, then you may want to look for a credit repair service with cheaper prices. Here is how The Credit Pros compares to other credit repair services.

Both offer the same services. CreditRepair.com prices start at $99.95 per month.
Both services are similar. Price packages range from $99 per month for a singles plan to $198 and 50% off your first month with a couples plan.
Both companies offers similar services. Price plans range from basic, moderate and advanced. You will need to contact them for their exact prices.

Conclusion about The Credit Pros

Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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