What Is The Credit Pros?

If you're looking for help fixing your credit score or establishing a 澳洲幸运5官方开奖结果体彩网:credit profile, The Credit Pros may be a good choice. With a comprehensive suite of offerings to help pe🔯ople prepare to rent a home, obt🍬ain a mortgage, or open a credit card, The Credit Pros provides credit repair and partners with a variety of credit-building tools as well.

The Credit Pros offers three levels of se👍rvice depending on your🍨 needs and budget—the least expensive plan is only for credit-building, and not credit repair. The other two plans do include credit repair. The company offers a free consultation and guidance on which service to choose.

Pros Explained

• Good customer reviews, except...: Compared with other companies, The Credit Pros has a widespread presence with favorable reviews on the Better Business Bureau and Google Reviews. But, as mentioned below, the company was unavailable on Trustpilot due to a breach of guidelines, so it's good to take those reviews with a grain of sal .
• Good customer support accessibility: It's relatively easy to contact a representative through email, phone, mail, and live chat on the website, mobile app, or your customer portal. 
  
• Credit monitoring and ID theft insurance at no extra cost: Many other credit repair companies require you to sign up for a credit monitoring service from another provider, but The Credit Pros provides this service for free.

Cons Explained

• Breach of guidelines on Trustpilot: The customer review site Trustpilot suspended The Credit Pros' profile (for a period of time) because Trustpilot "detected and removed a number of fake reviews for this company that may have been purchased from review seller networks."
• Basic plan is expensive: The Credit Pros's basic credit repair plan isn't the most expensive option out there compared with other credit repair companies, but it ranks among the highest. 
• Credit-building tool is not a good option: The Credit Pros' "credit-building tradeline" is a line of credit that can be used to make purchases at a partner retailer. We recommend avoiding this—there are plenty of better options to build credit that don't require you to buy things you don't need (that are likely overpriced).
• Satisfaction guarantee doesn't give money back: According to the company's satisfaction guarantee, if you're not satisfied after 60 days your plan length can be extended by the number of months you've already paid for—but it won't give your money back.

Credit Repair Packages and Costs

The Credit Pros offers thr🍒ee different levels of service depending on your needs and your budget. The lowest-cost plan is for ඣpeople who simply want to build credit, and it only comes with monitoring of one credit report. The other two plans are more comprehensive, with credit repair services and three-bureau credit monitoring.

The Credit Pros may offer✨ you a $5,000 line of credit as a credit-building tool. You can only use this to shop for limited purchases in a specific store. Although this credit line can help build credit, it will only be listed on your Experian credit report.

We don't recommend using this credit line, because you're limited to purchases from a single store, and they're likely to be more expensive than you'd find elsewhere. And since it's only reported on your Experian report, your ability to build credit is very limited—Experian is only one of the three major credit bureaus. There are plenty of 澳洲幸运5官方开奖结果体彩网:better options to build credit, like secured credit car𓆉ds and credit-builder loans.

Credit Repair Dispute Types

The Credit Pros works with the following problems and 🦩dispute types: 

• Bankruptcy disputes
• Cease-and-desist letters
• Charge-off disputes
• Collection account disputes
• Debt verification letters
• Foreclosure disputes
• Goodwill removal request letters
• Hard inquiry disputes
• Late payment disputes
• Method of verification letters
• Personal information error letters
• Repossession disputes
• Section 605B letters (identity theft letters)
• Section 609 letters (credit dispute letters)

Other Credit Pros Services

• Credit monitoring: The Credit Pros provides some level of credit monitoring with each plan; the cheaper credit-building plan only includes one credit bureau, while the two credit repair plans include three-bureau credit monitoring.
• Identity theft insurance: According to a customer representative, The Credit Pros offers identity theft insurance with all of its plans. But, based on the website, this may be more like a simple monitoring system, not actual insurance.
• Debt management program: The Credit Pros can help you figure out a plan to tackle your debt, perhaps using the 澳洲幸运5官方开奖结果体彩网:debt avalanche or debt snowball repayment methods.
• Business credit repair services: The Credit Pros is one of only a couple companies in our research to offer help with 澳洲幸运5官方开奖结果体彩网:business credit repair.
  

Customer Service

The Credit⛄ Pros also offers an iOS mobile app so customers can check the pr💦ogress of their credit repair disputes on the go.

Company Reputation and Legal

Reviews of The Credit Pros are generally positive across sites like the Better Business Bureau and Google Reviews. On the Better Business Bureau (BBB), The Credit Pros has a decent star rating of 3.86 out of 5 with over 150 reviews. The Credit Pros has a star rating of 4.5 at Google and a 4.9 at Trustpilot, both sites have over 1,200 reviews.

We suggest searching the 澳♏洲幸运5官方开奖结果体彩网: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.

How to Enroll With The Credit Pros

1. The Credit Pros begins with a free consultation with a FICO expert, who will go over a summary of your Equifax credit report with you to determine if credit repair is a good fit. You can initiate the process by phone or by filling out an online form.
2. If you decide to proceed, you'll get access to an online portal where you can select credit report items to dispute.
3. The Credit Pros will dispute those items on your behalf. You can check the progress of disputes in the portal.
4. If you need additional help building credit, The Credit Pros has a variety of tools that may be able to help.
   

Alternatives to The Credit Pros

The Bottom Line

The Credit Pros is a solid choice for most people looking for credit repair. The company offers an extensive variety of extra services in addition to basic credit repair, including business credit repair, which is quite rare. It's easy to get ahold of, with several customer service channels and an Apple app. But keep in mind The Credit Pros is suspended on Trustpilot under suspicion of buying fake reviews, so all of its ratings may not be authentic.

Methodology

Investopedia’s list of the best credit repair companies is based on comprehensive🐷 research of 17 credit repair companies. 

In August 2024, we surveyed 500 people who used a credit repair company within the last three years to help establish a strong foundation for our research. We then identified 17 credit repair companies based on Investopedia’s prior research, a competitive analysis, and public interest through Google se☂arch trends. We evaluated each company on 69 criteria, collecting over 1,200 data points on plan fees, dispute types, consumer ratings, complaints, and more. Data was collected between Sept. 6 and Sept. 30, 2024, and sourced from company webpages, customer service calls, media representatives, government agencies, and consumer review sites (e.g., CFPB, FTC, BBB). The overall research process for this project 👍occurred from July 1 to Oct. 7, 2024.

💧 We categorized the 1,200 data points into five categories and scored 799 data points, using the others for background and to improve content quality. We then scored and weighted each criterion to develop our overall star rating for𝕴 each company. The categories and their weights for this project are: 

• Cost and Fees: 27.50%
• Customer Experience: 16.00%
• Reputation/Customer Satisfaction: 18.50%
• Services: 28.00%
• Stability/Availability: 10.00%

Read our 澳洲幸运5官方开奖结果体彩网:full methodology for more information.