The Credit Pros has an A+ rating by the BBB. For six years straight, Inc. Magazine has also ranked The Credit Pros as one of the 5,000 fastest-growing companies in the U.S. A fintech firm staffed by experienced and passionate financial professionals, The Credit Pros provides clients with access to credit education tools as well as honest and practical credit advice designed to help them avoid any future credit-oriented blunders. They also help clients identify and remove damaging errors and outdated information on their credit reports.
Who are The Credit Pros?
Credit Pros is one of the leading technology-enabled credit repair organizations in the U.S.
It offers AI-assisted credit-repair services, credit builder loans, 3 bureau credit reports and scores, credit monitoring and alerts, as well as one-on-one consultation opportunities with a Credit Specialist certified by the National Association of Credit Services Organizations.
Founded in 2009 by Damon DeCrescenzo and Jason Kaplan, The Credit Pros began as a small team helping people with their mortgages. Today, it employs more than 200
credit repair specialists and has helped over 1 million people improve their credit scores and change their lives.
Who Are The Credit Pros Best For?
With solid customer support and a comprehensive 90-day money-back guarantee, The Credit Pros might be a good option for you if you’re looking to dispute errors on your credit reports, improve your credit score, or even build your credit up from scratch.
The Credit Pros’ wide array of services is designed to help you achieve the numerous goals that require a good credit score, such as opening a rewards credit card, securing an auto loan with a competitive rate or getting an affordable mortgage. You could also find the services useful if you want to protect yourself from fraudulent activity or errors on your credit report, as you’ll get identity theft insurance and credit monitoring services free of charge when you sign up.
What are the Benefits of Using The Credit Pros?
Aside from the credit repair services and credit building tools offered by the company, The Credit Pros customers also get identity theft insurance and credit monitoring services at no extra cost.
Some other major benefits of using The Credit Pros include:
- Round-the-clock access to the online credit portal: Customers have access to an online credit portal that they can use to track their progress and see updates to their credit reports in real time.
- Credit monitoring services: The Credit Pros provides credit monitoring services to its customers, which can help them stay on top of any changes to their credit reports. This can be especially useful for detecting fraudulent activity or errors in the report.
- 3 bureau credit scores and reports: The Credit Pros provides customers with their credit scores and reports from all three major credit bureaus – Equifax, Experian, and TransUnion.
- Free online evaluation: The Credit Pros offers a free online evaluation that can help customers understand their credit situation and determine if credit repair services are right for them.
- A 90-day money-back guarantee: The Credit Pros offers a 90-day money-back guarantee to its customers. If they are not satisfied with the service within the first 90 days, they can receive a full refund.
- Transparent multi-tier pricing to suit every budget: The Credit Pros offers multiple pricing tiers to suit different budgets and credit repair needs. The pricing is transparent, so customers know exactly what they are paying for.
- AI-driven credit repair solutions: The Credit Pros uses artificial intelligence (AI) to help identify errors on customers’ credit reports and suggest ways to improve their credit scores.
- ID theft protection and insurance: The Credit Pros offers identity theft insurance to its customers, which can help protect them from financial losses due to identity theft. This insurance covers expenses such as legal fees, lost wages and more.
- Founding members of the National Association of Accredited Credit Repair Organizations (NAACRO): The Credit Pros is a founding member of the National Association of Accredited Credit Repair Organizations (NAACRO), which is a trade organization that promotes ethical and responsible credit repair practices.
- Debt validation letters to creditors: The Credit Pros can send debt validation letters to creditors on behalf of their customers. These letters can help customers dispute inaccurate or unverifiable debt.
- A robust budgeting system with bill reminders: The Credit Pros offers a budgeting system that can help customers manage their finances and stay on top of their bills. The system includes bill reminders so customers never miss a payment.
What Services Do The Credit Pros Provide?
The Credit Pros offer customers a number of credit repair services, including:
In 2020 alone, the company provided more than 540,000 free online credit report consultations to help Americans improve their credit. A credit assessment by The Credit Pros includes a free credit report summary, credit repair recommendations provided by experienced experts, and access to your credit score.
The Credit Pros offers customers practical and honest advice tailored to their specific needs. In addition, their experienced credit advisors can help you find the best way to improve your credit score by paying off debt, enhancing your business credit score, and much more.
Credit Education Tools
The company strives to provide customers with all the educational tools and resources they need to understand their credit scores and independently analyze their credit reports. As a result, customers are able to take control of their finances and avoid credit-related mistakes in the future.
Credit Builder Loans
The Credit Pros customers can receive a Credit Builder Loan from the company. This loan is designed to help improve your credit score by reporting all your timely payments to the credit bureaus, thus adding another positive account to all three of your credit reports.
When you sign up for the Success Plus plan, which is discussed in greater detail below, you automatically receive access to a Credit Builder Loan. It’s a $5,000 tradeline offered by a lending partner that can be used to make purchases at Nationalcreditdirect.com. (It’s a website featuring an assortment of products, including laptops, computers, cell phones, tablets, cameras, home furniture, decor, appliances and jewelry from top brands). There’s no additional fee to take advantage of this perk and start restoring your credit health.
The Credit Pros Plan Pricing
The Credit Pros offers three different pricing tiers – Money Management, Prosperity and Success Plus – to accommodate all budgets. Plans are billed on a monthly basis and can be canceled at any time.
Here are some of the features and benefits of each plan:
At $69/month, this plan provides customers with the following benefits:
- ID theft insurance and monitoring
- Access to your TransUnion credit report and scores
- A robust budgeting system and bill reminders
- Real-time account sync and remote monitoring
This plan is ideal for those who are new to credit building and don’t have any major inaccuracies on their credit reports. It’s geared mainly towards building good credit habits for a healthy credit score in the future.
At $129/month, this plan offers all the features covered in the Money Management plan, plus some more benefits like:
- Cease & desist letters to debt collection agencies
- Letters of reference to new creditors
- Creditor interventions
- Unlimited disputes to remove inaccuracies from all three credit reports
This plan is ideal for those who need help removing verifiable inaccuracies or errors on their credit reports.
Along with all the benefits outlined in the Money Management and Prosperity Plans, this plan (at $149/month) offers two additional features:
- Access to a Credit Builder Loan
- Access to credit reports and scores from all three bureaus
It is ideal for those who have a substantial budget and are serious about repairing their credit.
How to Get Started with The Credit Pros
To get started with The Credit Pros, you’ll have to fill out a simple form on their website with some basic details, such as your full name, phone number, home address, and zip code.
After that, you’ll be asked to choose one of the three plans mentioned above. Once the signup process is complete, the experienced credit specialists from the company will begin working with you within 3 to 5 business days.
To learn more about the many credit-repair solutions offered by The Credit Pros, schedule a free consultation now.