The Credit Pros Review

By Gerald Dunigan

Our rating: 4 / 5
The Credit Pros highlights
  • Team of FICO© certified experts
  • AI personal management system
  • Identity theft protection
  • Unlimited disputes
  • Amazing value

Searching for the latest The Credit Pros reviews 2021? We have highlighted the credit repair company because it provides the best value at a moderate price. It’s tech-focused with a dynamic team. They go the extra mile to offer identity protection and personal finance tools. Their mobile credit apps are increasingly becoming popular.

Still, questioning whether to choose this service? We’ll go over the key aspects of their offering, including:

  • Company background and how they operate;
  • The Credit Pros cost;
  • Company’s mission, vision, and core values;
  • Their best value affordable plan;
  • Whether they can remove evictions or bankruptcies.

See what other people have said about the service and how they handle customer complaints. You’ll also learn about their limitations and top alternatives. Note that the company offers services in both English and Spanish.

What Is The Credit Pros?

The Credit Pros is a dynamic and tech-focused credit repair company. Credit-expert Jason M. Kaplan and Damon DeCrescenzo founded the company in 2009. They have enjoyed tremendous growth, appearing in the Inc. 5000 Fastest growing companies list for six years in a row (2014 to 2018).

The Credit Pros leverages technology for a faster and more intuitive dispute process. Despite being tech-driven, their services are highly personalized. On startup, each client receives a call from a FICO-certified expert. They provide iOS and Android apps for case tracking and real-time credit monitoring. Their legal network gives clients access to attorneys who may tackle complex issues.

How Does The Credit Pros Work?

Their workflow is quite simple. New clients have to redeem their free consultation. Head over to their homepage and select “Request a Free Consultation.”

Users can select the best hours for the appointment. Alternatively, you may call their number to book a free consultation.

How Does The Credit Pros Work

Following the sign-up, The Credit Pros experts will begin drafting letters to send to CRBs. The bureaus have to investigate each dispute. But they are known for their stone-walling efforts. For instance, they may ask for further documentation or identification. That’s why The Credit Pros ensures they have everything they need from the onset. They also guide customers in filing for redisputes.

After 45 days or so, clients receive feedback from CRBs or creditors. Some of the correspondence is sent in the mail, and The Credit Pros will need to see all communications. They make it easy to submit any messages by permitting customers to fax or upload documents. The Credit Pros also states that clients may receive updated credit reports in 60 days.

For valid debt, the company may send Goodwill Letters to creditors. They will ask them to empathize with the situation and remove negative items. To deal with aggressive debt collectors, they may send Cease and Desist letters. Clients also receive ongoing credit guidance from their credit experts.

Benefits of The Credit Pros

The Credit Pros client reviews reveal a caring and committed company. People have noted the staff for being friendly and providing excellent feedback. One reviewer summed it up by saying that they are not in a hurry to rush callers off the phone.

We also uncovered more highlights of the service, including:

1) Full credit educational resources: The Credit Pros cares about their clients’ education. They offer articles and videos on credit repair. You will find them on their online portal, YouTube page, or mobile apps.

2) Amazing value: The Money Management package at $69 is a fantastic offer. It includes unlimited disputes, creditor interventions, TransUnion Monitoring, and personal finance tools. It’s worth the money.

3) Tech-driven & modern platform: Everything feels intuitive, from the website to the mobile apps. Scheduling free consultations is also a breeze.

4) Transparency: We like that The Credit Pros still feels like a business grounded to its roots. They are upfront about their team members. Their CEO is active and present. They make it a habit of calling clients and informing them of updates.

Limitations of The Credit Pros

The Credit Pros has fewer limitations than its advantages. Some aspects of the service that we were not entirely satisfied with include:

1) Not clear if they issue refunds: The company has a “Guarantee page” but doesn’t mention any money-back programs. It’s even more confusing as some of The Credit Pros reviews mention a refund policy.

2) The website feels like it’s lacking information: They don’t explain their credit repair process in-depth. We found plenty of clickable elements that lead to 404 pages, for instance, profiles of their team.

The Credit Pros Complaints

What complaints have people leveled against the company? Well, we found people voicing complaints about few removals or no removals at all. It’s a common grievance brought against credit repair companies.

Our review focused on how they address these grievances. The customer support team showed genuine care and concern. On their BBB page, the most recent complaint was in November 2020.

The client objected to not having a wrongly reported late payment removed. They called twice asking for a refund, but no one reached out to them. The client highlighted the company’s policy of issuing refunds if there were no removals in 75 days.

We liked the response from the team. The Credit Pros apologized for any wrongdoing. They acknowledged their commitment to customer satisfaction and refunded the money as requested.

There were more refund requests and approvals, and the reps were always willing to help. The Credit Pros ratings may be lower on their BBB page because it’s where people share complaints. But they are higher elsewhere, including the app stores.

The Credit Pros Complaints

What is The Credit Pros Monthly Fee?

The Credit Pros plans for credit repair include Success, Prosperity, and Money Management. At $149 per month, the Success package includes:

  • Credit Sentry – TransUnion credit score, monitoring, and full reports.
  • ID Cover – ID theft protection through the dark web, change of address, social security, and social network monitoring.
  • Cash Rules – Personal finance tools with budgeting and bill reminders systems.
  • Credit repair – Unlimited challenges and creditor interventions such as debt validation letters. Clients also access debt payment strategies (snowball and avalanche).
  • The Credit Pros legal credit repair network – Access to attorneys.
  • Slash Rx – Pharmacy savings program.
  • National Credit Direct – Credit rebuilding merchandise-purchase program.

The Credit Pros pricing

Do you need to pay $149 per month? We have found that the Prosperity Package at $119 has all the features needed to repair credit. It doesn’t include National Credit Direct membership, but it’s not that necessary.

The Money Management package at $69 per month is also sufficient. It includes:

  • Transunion credit score, monitoring, and full reports;
  • Dark Web monitoring, change of address monitoring, and other ID cover services;
  • Unlimited disputes and creditor interventions;
  • Access to National Credit Direct.

We can say that The Credit Pros has the “Best Value” because of the Money Management package at $69. None of the top repair firms offer creditor interventions, TransUnion monitoring, and unlimited disputes at this price point.

Alternatives to The Credit Pros

What’s better than The Credit Pros? We have reviewed some of the best credit repair services. And here are similar companies that help people dispute negative items with the CRBs:

Sky Blue vs. The Credit Pros

Sky Blue has more credit repair experience than The Credit Pros. They are also clear about their 90-day money-back satisfaction guarantee. We also like the one simple pricing package with 15 challenges per dispute cycle.

The Credit Pros has 12 years of credit experience, which we deem enough. They have more services, including ID protection and unlimited disputes.

Will you save money by choosing The Credit Pros? We don’t think so. The $69 Money Management package is $10 cheaper than the Sky Blue plan. But it has a high initial work fee of $119. It’s better to weigh the features when selecting the services.

Sky Blue The Credit Pros
Credit repair experience 32 yrs (1989) 12 yrs (2009)
Guarantee 90-day money-back Not clearly expressed
Pricing range $79 single package $69 to $149
Initial work fee $79 $119 to $149
Estimated 1st-month fees top plan $158 $298
Services Limited challenges

Score analysis & monitoring

Creditor interventions

Credit rebuilding guidance

SOL research

Unlimited challenges

Certified FICO professionals

TransUnion monitoring

Score tracking

Creditor interventions

Personal finance manager tools

Identity protection & insurance

National Credit Direct

Slash RX

Mobile Applications Not available iOS & Android

Credit Saint vs. The Credit Pros

You’ll enjoy more features with The Credit Pros. They offer ID protection and personal finance tools. Tracking the progress of disputes and report changes is also a breeze, thanks to the mobile apps.

The biggest limitation we found is the lack of a clearly stated service guarantee by The Credit Pros. But in reviews, we found them issuing refunds.

Where can I save more money? Comparing the most expensive packages from each provider, we found Credit Saint to have higher first-month costs. But their top package is $30 cheaper. We still think that The Credit Pros Money Management is adequate. Credit Saint’s cheapest package at $99 lacks features such as Inquiry Targeting and Experian Monitoring.

Credit Saint The Credit Pros
Credit repair experience 17 yrs (2004) 12 yrs (2009)
Guarantee 90-day money-back Not clearly expressed
Pricing range $79.99 — $119.99 $69 to $149
Initial work fee $99 — $195 $119 to $149
Estimated 1st-month fees top plan $315 $298
Services Unlimited challenges

Score analysis

Experian monitoring

Creditor interventions

Inquiry targeting

Unlimited challenges

Certified FICO professionals

TransUnion monitoring

Score tracking

Creditor interventions

Personal finance manager tools

Identity protection & insurance

National Credit Direct

Slash RX

Mobile Applications Not available iOS & Android

Lexington Law vs. The Credit Pros

Lexington Law has a team of attorneys and paralegals working on behalf of their clients. The Credit Pros consists of a team of FICO-certified experts. The first-month costs on the top packages differ by a small margin and are well-matched.

You could save some money by choosing the Money Management Package with unlimited challenges. Lexington Law’s cheapest package at $89.95 has limited challenges. It doesn’t include score analysis, report monitoring, or TransUnion alerts. In our analysis, The Credit Pros offers more value.

Lexington Law The Credit Pros
Credit repair experience 17 yrs (2004) 12 yrs (2009)
Guarantee Not offered Not clearly expressed
Pricing range $89.85 — $129.95 $69 to $149
Initial work fee $89 — $129 $119 to $149
Estimated 1st-month fees top plan $275 $298
Services Limited сhallenges

Score analysis

Inquiry target

TransUnion monitoring

FICO analysis

Creditor interventions

Personal finance manager tools

Identity protection & insurance

Credit score coaching

Unlimited challenges

Certified FICO Professionals

TransUnion monitoring

Score tracking

Creditor interventions

Personal finance manager tools

Identity protection & insurance

National Credit Direct

Slash RX

Mobile Applications iOS & Android iOS & Android

Is The Credit Pros Worth It?

In our The Credit Pros review, we have concluded that it is a trusted service. We like their commitment to offering personalized services tailored to each client’s needs. They also strive to offer five-star level support and achieve quality results. Clients have the freedom to cancel the service at any time. Their FICO-certified experts also treat people professionally and courteously.

The company is also upfront about who is in their team. Jason M. Kaplan, founder & CEO, headlines many talks and regularly publishes videos on YouTube. He addresses platform questions and shares his extensive credit repair knowledge. So, does The Credit Pros really work? Yes, it does, and we recommend trying their services.

FAQ

The Credit Pros is a quality service that made it on our list of top 7 credit repair firms. Clients enjoy a modern website and feature-rich platform. For instance, it only takes 90 seconds to get started. The one-on-one credit consultations with FICO certified experts provide enormous value. Their services are affordable with lots of positive client testimonials.

The Credit Pros can only dispute inaccurately reported items. They will remove charge-offs, repossessions, bankruptcies, collections, late payments, or unauthorized hard credit inquiries.

But if you owe a lot, we recommend debt consolidation and payment strategies. It’s hard to remove judgments if they are legitimate.

The Credit Pros begins working on the client’s reports within three business days of signing up. But they don’t have a defined timeline where they will have fully fixed your credit.

Clients may start seeing results between 45 to 60 days. That’s because creditors and CRBs have about 30 days to carry out investigations or start correspondence. Time is also taken for processing and mailing communications.

Their contact number is (800) 411-3050. The mailing address is 7750 Okeechobee Blvd Suite #4-765, West Palm Beach, FL 33411.

Gerald Dunigan
Gerald Dunigan

Gerald is the founder and editor-in-chief of CreditFixed.com. Over 13 years of experience in credit repair companies and finance. Each text is published after its detailed proofreading