If you're looking for help with your credit score or establishing a credit profile, The Credit Pros may be a good choice. With a comprehensive suite of offerings that can help anyone prepare to rent a home, obtain a mortgage, or open a credit card, The Credit Pros provides credit-building tools and a money-back guarantee. The Credit Pros offers three levels of service depending on your needs and budget. The company offers a free consultation and guidance on which service to choose. As part of reviewing The Credit Pros, we evaluated over 15 debt relief companies based on their company reputation, customer service options, products and services, transparency, pricing, and positive reviews and customer testimonials as well as excellent reviews from third parties.

Pros Explained

• Great customer reviews: Compared with other companies, The Credit Pros has a widespread presence with overwhelmingly favorable third-party reviews.
• Excellent customer support: It's relatively easy to contact a representative through email, phone, mail, and live chat on the website, mobile app, or your customer portal. 
• Offers a 90-day money-back guarantee: If you're unhappy with your progress, you can cancel for a full refund for up to 90 days of service.
• Offers credit-building tools, not just credit repair: Per customer support, The Credit Pros offers a $5,000 line of credit through the Money Management plan to help build their credit. It also offers a credit builder loan on the Success Plus plan.  
• Credit monitoring and ID theft insurance at no extra cost: Many other credit repair companies require you to sign up for a third-party credit monitoring service to complete work but The Credit Pros provides this service for free.

Cons Explained

• A bit on the expensive side: The Credit Pros isn't the most expensive option out there compared with other credit repair companies, but it ranks among the highest. 
• Credit-building tools may be limited: The two cheapest packages only offer regular monitoring of your TransUnion report, one of the three main credit bureaus. According to customer support, the credit builder line of credit only shows up on your Experian report and will not be reflected on your TransUnion or Equifax reports.  
• The money-back-guarantee comes with strings attached: The 90-day money-back guarantee is only available for the Prosperity and Success Plus packages, not for the Money Management package. If The Credit Pros removes any incorrect information, the money-back guarantee will be voided.

Types of Debt Addressed

The Credit Pros offers three different levels of service depending on your needs and your budget. According to the website, it takes three to five business days before the company begins working on your credit, but customer support confirms that the company may start working within one day. 

Prosperity Plan

The Prosperity Plan is The Credit Pros' lowest-tier credit repair plan for those with verifiable errors on their credit reports. Credit monitoring and score updates with this plan are only available for one of the three credit bureaus, TransUnion.

However, this package will send unlimited disputes to remove incorrect information from your credit reports. If you're having trouble dealing with creditors with nonstop collection calls and other types of harassment, The Credit Pros can help alleviate these situations. 

Success Plus Plan

If you're serious about repairing your credit and not on a limited budget, the Success Plus Plan might be a better option. It includes everything in the Prosperity Plan, plus two additional features.

You'll get full monitoring coverage for each of the three credit bureaus. You'll also get access to a credit builder loan, which will add another positive account to all three of your credit reports as long as you make timely payments. 

Money Management Plan

If you're new to building credit, most credit repair companies are unable to help you. This package from The Credit Pros is geared towards developing good credit habits that enhance your credit reports and your score. A credit analyst will review your credit reports and help you develop a customized plan.

The Credit Pros may offer you a $5,000 line of credit from . You can only use this to shop for limited purchases in the National Credit Direct store. Although this credit line can help build credit, it will only be listed on your Experian credit report. 

Client Onboarding

The Credit Pros provides features such as a free consultation and multiple package options. The company offers custom advice and guidance for all of its levels. If you're unsure how to pay off your debt, they'll advise you on the best course of action. If you run a business and need help with your business credit score, they may also be able to assist you. The Credit Pros is one of the few credit repair companies to offer an app-based service where you can chat live with a credit analyst. 

Customer Service

The Credit Pros' customer support is exceptional. You can reach customer support from 9 a.m. to 8 p.m. EST, Monday through Friday. The Credit Pros is available across a wider-than-normal range of platforms. You can chat with a live representative quickly and easily within customer service hours. Live chat is within your online customer portal, through the app, and even on the website. 

• Phone: (800) 411-3050
• Email: info@thecreditpros.com
• Fax: (973) 732-0794
• Mailing address:
  7750 Okeechobee Boulevard
  Suite #4-765,
  West Palm Beach
  FL 33411

Company Reputation

Reviews of The Credit Pros are plentiful and generally very positive across third-party sites. We suggest searching the Consumer Financial Protection Bureau (CFPB) database for complaints about each company you're considering. The Credit Pros does not have any registered complaints with the CFPB database.

Unfortunately, the credit repair world is plagued with scams. Red flags include promises to remove all negative marks from your credit reports, advising you not to contact the credit reporting agencies yourself, or refusing to tell you your rights under the Fair Credit Reporting Act.

Average Relief Amount

The Credit Pros does not specify an amount of average relief for customers. However, the founder, Jason M. Kaplan, Esq., brought the nation’s best FICO experts to The Credit Pros and developed advanced methods and strategies over ten years.

Average Time for Relief

It often only takes a few months to get errors fixed on your credit report, whereas building a strong credit profile can take years. Most consumers cancel service when they've seen the success they're looking for in terms of a better credit score. 

If you're not happy with the service, you can get a full refund within five days of signing up. You may be able to get up to 90 days of fees refunded, but only if you meet the following criteria:

• You haven't hired another credit repair agency within the past 180 days.
• You followed all of the instructions, terms, and conditions laid out in the contract.
• You paid for either the Prosperity or Success Plus packages (the Money Management package is not eligible for a 90-day money-back guarantee).
• The Credit Pros hasn't sent out any dispute letters within 30 days from the time you hired them, or they weren't able to remove any inaccurate information from your credit report within 90 days.

Cost

In return for the better-than-average service that you'll get with The Credit Pros, you will have to spend a bit more compared to other companies. Here's what you can expect to pay for each plan:

Plan	First Work Fee	Monthly Fee
Prosperity	$119	$119
Success Plus	$149	$149
Money Management	$119	$69

The Credit Pros offers discounts to lower the cost for certain consumers. If you receive Social Security income or are active-duty military, you may qualify. In addition, the company grants limited discount opportunities for those with an exceptional amount of work on their credit reports. 

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

Final Verdict

The Credit Pros is an excellent choice for most people looking for credit repair. The company is highly regarded, offers extensive customer support, and features customized options. However, pricing is high for those on a budget, so other companies may work better for you.

FAQs

Who Can Help Evaluate My Credit Score?

A credit repair company like The Credit Pros can help evaluate your credit score and help build or repair it. Additionally, a fee-only fiduciary financial advisor can also help advise you on how to grow your credit score, as well as every other aspect of your financial life. They're more expensive but integrate everything, including your credit, investments, savings, budget, and plans. 

What Is the Fair Credit Reporting Act?

Many credit repair companies do not provide the services they promise. The Fair Credit Reporting Act protects consumers against credit card fraud and credit repair scams.

What Additional Charges Can I Expect from a Credit Repair Company?

Many credit repair companies charge extra for things like disputing hard credit inquiries, which detail your full credit report and may even deduct points from your credit score. Before you choose a credit repair firm, ask about any fees the company charges. 

Methodology

venuscurves.compared more than 15 debt relief companies in our independent study, including companies that offer debt settlement and credit counseling or debt management plans. We compared these providers based on their company reputation, customer service options, products and services, transparency, pricing, and more. Companies that received the highest ranking in our study had excellent reviews, testimonials, and online transparency. We also looked to third parties for their reviews.