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The Credit Pros Review | Credit Repair
By Jamela Adam MONEY RESEARCH COLLECTIVE
Have you ever checked your credit score only to find that it’s lower than you thought it would be? If so, you’re not alone. According to a Federal Trade Commission study, 1 in 5 adults in the U.S. has incorrect negative items on their credit report that are dragging their score down. If your credit score has dropped unexpectedly due to an error, The Credit Pros’ credit repair service might provide the solution you need.
The Credit Pros Credit Repair Overview
When you have bad credit, it can feel like you’re stuck in a financial rut that’s impossible to get out of. Fortunately, companies like The Credit Pros can help you get back on track. The Credit Pros is a credit repair company headquartered in West Palm Beach, Florida. Their team has been helping consumers improve their credit scores for over ten years and has gained a good reputation in the credit repair industry.
In this review, we’ll take a close look at The Credit Pros’ services, credentials, customer ratings, etc., to see whether it’s an option worth your investment.
- Free credit consultation
- Money-back guarantee
- Some plans include unlimited credit disputes
- Offers a free mobile app
- Cancel anytime
- Bilingual services (English & Spanish)
- High initial setup and monthly subscription fees
- Not available in all U.S. states
- Limited educational resources on the website
The Credit Pros’ Services
Before shelling out your hard-earned money for credit repair help, it’s important to thoroughly analyze the credit repair company’s services and product features. Don’t worry; we’ve done the research for you. This section will cover what The Credit Pros offers and what services they exclude from their subscription plans.
What they offer
The Credit Pros helps you repair bad credit by identifying the negative items on your credit report, disputing them, and tracking the progress of the dispute efforts. What makes the company further stand out from its competitors is that it offers free consultation and one-on-one support from credit specialists to guide you through the credit repair process. Plus, you’ll have access to a free mobile app where you can check your account and progress on the go.
The Credit Pros offers much more than just credit repair. With their credit monitoring services like Dark Web monitoring and TransUnion alerts, you can keep an eye on your credit report changes and stay on top of your credit health. And if you’re looking to get your finances back on track, the company also offers budgeting tools and bill reminders to help you get there. During your free credit consultation, the company’s FICO experts will also educate you on what you need to do to maintain good credit long term.
What’s more, The Credit Pros provides a 90-day money-back satisfaction guarantee. This means that if you’re not satisfied with your credit repair results, you can get a refund with no strings attached. So, if you’re looking for a comprehensive credit solution, The Credit Pros could be an option worth considering.
| Money Management | Prosperity | Success Plus | |
| Service fee | $69/month | $119/month | $149/month |
| First work fee | $119 | $119 | $149 |
| Unlimited dispute letters | x | ✔ | ✔ |
| Debt validation letter to creditors | x | ✔ | ✔ |
| Cease & desist letters | x | ✔ | ✔ |
| One-bureau report and scores | ✔ | ✔ | ✔ |
| Credit monitoring | ✔ | ✔ | ✔ |
| Bill reminder | ✔ | ✔ | ✔ |
| Budgeting tools | ✔ | ✔ | ✔ |
What they don’t offer
While The Credit Pros has a lot to offer, there are some things they don’t provide, such as debt consolidation and debt management services. It’s also worth mentioning that even though the company can help you dispute inaccurate negative items on your credit report, they can’t remove accurate items for you. So if you’ve filed for bankruptcy or missed several credit card payments, you shouldn’t expect The Credit Pros to settle your debt or negotiate with the credit bureaus on your behalf.
The Credit Pros credit repair cost
The Credit Pros offers three subscription plans: Money Management, Prosperity, and Success Plus. The first work fees for these plans range from $119 to $149, and the monthly service fees range from $69 to $149. The price is quite steep compared to competitors. But considering the number of features that The Credit Pros provides, you may be able to justify the cost — especially if you’re serious about repairing your credit score.
The Credit Pros’ Credentials
Many scammy credit repair companies promise to clean up your credit report, but then do nothing or even make your situation worse. That’s why it’s important to research every credit repair company you’re considering and make sure they have a good reputation for helping consumers repair bad credit.
We did some research on The Credit Pros’ credentials, and here’s what we found:
Licenses and registration
The Credit Pros is based in the state of Florida, with a physical address in West Palm Beach. It also has a registered agent address in Tallahassee, Florida.
Awards and certifications
As a well-respected company in the credit repair industry, The Credit Pros has received an “A+” rating from Better Business Bureau. They’ve also been recognized by Inc. 5000 as one of the fastest growing private companies in America.
Here are a few of their other awards and accolades worth noting:
- Best Places To Work in NJ, 2017
- SmartCEO Technology Future 50, 2017
- Best Privately-Owned Businesses in America, 2016
Regulatory or legal actions
According to the Consumer Financial Protection Bureau, there haven’t been any regulatory or legal actions filed against The Credit Pros. This means that the company has a good track record of providing quality services to consumers. However, having no official record of legal violations doesn’t mean that The Credit Pros doesn’t have any disgruntled silent customers. So before signing up for the company’s plans, make sure to read reviews and compare services.
The Credit Pros’ Accessibility
Disputing negative items on your credit report can be daunting – or even overwhelming. That’s why credit repair companies should offer a streamlined and user-friendly experience for customers who wish to fix their credit. We looked at The Credit Pro’s accessibility to determine whether their services are easy to use and if they provide sufficient customer support.
Availability
The Credit Pros doesn’t provide services in California, Maine, Kansas, Minnesota, Oregon, Georgia, or South Carolina. This can be disappointing for residents of these states who were hoping to use the Credit Pros’ services to improve their credit.
Contact information
You can contact The Credit Pros by phone at 800-411-3050 or by email at info@thecreditpros.com. Their hours are from 9 am to 8 pm (EST) Monday through Friday. If you have an urgent issue, you can also contact their agents through the live chat feature on their website.
User experience
The Credit Pros provides a relatively clear and straightforward user experience for customers. As soon as you arrive on the website, you’ll see a phone number on the top right corner where you can call to request a free credit consultation.
During the consultation, a certified credit expert will review your credit report and assess your situation. Based on that assessment, they’ll create a customized action plan that outlines the steps you need to take to improve your credit score.
The Credit Pros also offers 24/7 access to your online client portal. This portal lets you view your account status, update your personal information, and track your dispute progress. And if you’d like to access the portal on the go, you can download their mobile app to stay updated wherever you are.
Limitations
While The Credit Pros is a great resource for those looking to improve their credit scores; it’s important to be aware of the limitations of the service. One such limitation is that if you have a complex situation, like identity theft, the repair process can take much longer than normal. Complicated and serious credit issues can take months or even years to resolve, and The Credit Pros may not be able to help you as quickly as you’d like. But if you’re willing to work with them and be patient, they could still be a valuable resource on your credit repair journey.
The Credit Pros’ Customer Satisfaction
When choosing a credit repair company, customer satisfaction should be one of your top deciding factors. A good way to measure customer satisfaction is to read online reviews and look for any potential red flags that could indicate poor customer service. Just keep in mind, though, that consumer reviews skew negative across the board; comparatively few people take the time to post a company review that says that a company did what was expected of them.
Customer complaints
Though we didn’t find any complaints in the Consumer Complaint Database by the Consumer Financial Protection Bureau (CFPB), we did find some complaints from The Credit Pros’ customers in the BBB database.
The Better Business Bureau, or BBB, is a well-known non-profit organization. It provides consumers with information on businesses and helps resolve disputes between companies and consumers. On its website, we found that there have been 69 complaints filed against The Credit Pros in the past three years. 14 of those complaints came from the past 12 months, but all of them have been resolved.
Third-party ratings
The Credit Pros has received over 250 customer reviews on TrustPilot, with an average rating of 4.7 out of 5.
In the positive reviews, some customers praised the company’s customer service and the results they achieved in a short amount of time. But not everyone was pleased with The Credit Pros’ service. Some customers said that they didn’t see much improvement in their credit scores despite paying for the most expensive subscription plan.
Overall, The Credit Pros seems to be a reputable and legitimate credit repair service provider. But, as with any business, there will always be some dissatisfied customers. If you’re considering The Credit Pros, make sure to do your own research before making a decision.
The Credit Pros FAQ
Is it worth hiring The Credit Pros to fix your credit?
If you're wondering whether or not it's worth hiring The Credit Pros to help you fix your credit, it really comes down to your specific needs. The Credit Pros charges a high initial fee and monthly service fee, but in return, provides a lot of value through various features and resources. But if you don't think you'll actually use all of those perks, then it might make more financial sense to sign up for a cheaper alternative. Or, you can even use that money to pay down debts and improve your credit score with your own efforts.
What are the benefits of The Credit Pros credit repair?
There are many benefits to using The Credit Pros' credit repair service. First of all, they have a team of experienced credit professionals who will work with you to develop an action plan to improve your credit score. They also help you identify negative inaccurate items on your report and dispute them with the credit bureaus so you won't have to spend time doing it yourself.
Apart from dispute resolution, The Credit Pros also offers budgeting and credit monitoring tools to help you stay on top of your finances. The budgeting tool helps track your spending and find areas where you can cut back. And the credit monitoring tool alerts you to any changes in your credit report, so you can take action if there are any red flags. By taking advantage of these resources, you can develop healthy financial habits and build up your credit.
How long does The Credit Pros take for you to fix your credit?
The credit repair process is unique to each customer, so there's no one-size-fits-all answer to this question. The length of time can depend on the severity of the negative items, the number of inaccuracies, your credit history, and your credit goal. In general, after filing your dispute, the credit reporting agencies will have around 30 to 45 days to investigate. And if they find that the negative information is indeed incorrect, they'll remove it from your credit report.
How We Evaluated The Credit Pros Credit Repair
We chose the top credit repair companies based on several factors, including cost, features, and customer service.
Genuine credit repair companies shouldn’t charge exorbitant fees or demand full payment before providing service. Instead, they should provide value by offering quality services at a fair price. So, when evaluating The Credit Pros, we considered their price point and the variety of services they offer.
Customer service is another essential factor in determining whether a credit repair company’s services are worth signing up for. Good customer support means that the company is responsive to questions and concerns, and dedicated to helping its customers improve their credit standing. We looked at third-party review sites and consumer complaint databases to see how The Credit Pros measure up in this area.
Summary of Miami Herald’s The Credit Pros Review
While there’s no guarantee that hiring a credit repair company will result in a higher credit score, it can save you a lot of time and hassle. The Credit Pros’ comprehensive credit repair service is especially helpful if you have many negative items to dispute and suffer from serious credit issues. But if you only have one or two negative items that are dragging your credit score down, you might be better off disputing the errors yourself instead of paying the steep initial setup and service fees.
Ultimately, it’s up to you to decide what makes the most sense for your situation. Remember, to find the best credit repair companies for your needs, always perform your due diligence. Read reviews, compare pricing, and make sure you understand the company’s process before signing up for their service.
