The Credit Pros 2023 Review
Since 2008, The Credit Pros has achieved high credentials: they are a registered member of ethics.net and have been named one of America's fastest-growing private companies by the Inc. 5000 for 5 years in a row. Many of their staff, including the president of The Credit Pros Jason M. Kaplan, are certified FICO® professionals and in-house licensed attorneys.
You can contact The Credit Pros for a 100% free initial consultation and learn more about their numerous credit repair and credit monitoring services. If you decide to sign up, they will pull your credit reports from the three major credit bureaus (Experian, TransUnion, and Equifax) to look for and dispute unverifiable items.
Once you sign up, you will be given 24/7 access to a case manager and an online client portal to check the status of your credit report. Three to five business days after, credit repair specialists will begin working with the bureaus to delete erroneous items from your credit reports. During the process, you must mail or fax updated credit reports so The Credit Pros can continue looking for erroneous items.
Contact The Credit Pros
Phone: 844-812-1365 Hours: 9am to 8pm EST Monday through Friday Email: [email protected] Address: The Credit Pros 60 Park Place Suite 200 Newark, NJ 07102
The Credit Pros Highlights
- Industry accreditations: The Credit Pros is accredited by the Better Business Bureau with an A+ (the highest rating possible).
- Accolades and accomplishments: 10+ years of dedicated service, over 100k clients served, NACSO.org accredited, Inc. 5000 Company ('14,'15,'16,'17,'18), and named one of the NJ Best Places to Work.
- 90-day 100% money back guarantee: In case you are not satisfied with their services, The Credit Pros offers a 90-day money back guarantee.
- Unlimited credit disputes each month: The Credit Pros is able to dispute an unlimited number of inaccurate, obsolete, and unverifiable items from your credit report every month (unlike some competitors which limit the number of items they challenge on a monthly basis). This ultimately means they can produce faster results.
- TCP Legal Network™: On-demand access to credit attorneys is included in your TCP membership.
- Reduce collection calls: The Credit Pros can send cease and desist letters on your behalf to help with reducing future unwanted contact from collection agencies.
- Wide range of removable items: Late payments, tax liens, closed accounts, charge-offs, student loans, foreclosures, collections, negative settlements, and judgments can be removed from your credit reports.
- Fast, legal, and affordable results: You may see initial results within the 90 days, but since each case varies, The Credit Pros reports that it takes around 6 to 12 months to see full results.
- CreditSentry™ Credit reports and monitoring powered by Transunion®
- Real-time credit alerts powered by Transunion®
- ID Cover™ identity and Dark Web monitoring
- Artificial-Intelligence powered dispute methodology - the TCP Secret Sauce™: A proprietary multi-channel dispute strategy (credit bureaus, creditors, collection agencies, municipalities) driving unparalleled results.
- The industry's only fully functional iOS and Android apps
- Support where and when you need it: Live chat, scheduled appointments, phone, or email.
- Full transparency: Every letter, task, file, document, conversation shared with you.
- TCP Audit™: An automated full breakdown of all changes in score and report every month.
- CASHRULES™ personal financial manager (in Beta): Bank integration, set budgets, get alerts, track transactions
- Video training portal: Dozens of informational videos on credit, finance, budgeting, entrepreneurship
- Exclusive resources like custom letter of reference, debt snowball system, resume builder and job search, and more.
- Monthly exclusive member informational webinars with industry experts in credit, tax, investing, mortgage, personal finance and more.
- The Credit Pros blog archive: Ten years' worth of our weekly exclusive blog posts and tips.
- TCP exclusive: Guaranteed Hutton Chase $1500 merchandise card (Money Management Plus and Success Plans).
The Credit Pros Cons
- The initial set-up costs and the monthly fee ($119) of The Credit Pros are on the higher side. However, The Credit Pros also offers unlimited disputes, which means that the average customer may see faster results and thus spend less time enrolled in the program.
- The Credit Pros does not currently offer services in 4 states (Maine, Minnesota, Oregon, and Kansas).
- In 2012, the attorney general found The Credit Pros guilty of unlicensed credit repair activities in Idaho and the company had to pay $1,000 in restitution fees.
The Credit Pros Versus The Competition
The Credit Pros is one of the few companies that reviewed that offers a 90-day 100% money-back guarantee. They are also one of the few credit repair companies that offer both pay-per-deletion and monthly plans. Additionally, The Credit Pros offer extra educational services and complimentary credit monitoring and identity theft services.
The Credit Pros Pricing
After an initial free consultation and credit report examination, The Credit Pros offers different packages for credit repair:
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CreditSentry Monitoring: This plan is $19 for enrollment and $19/month. It includes the following:
- TransUnion credit score, TransUnion credit monitoring, and full credit report from Credit Sentry
- Dark Web monitoring, change of address monitoring, Social Security trace monitoring, pay-day monitoring, and social network monitoring from ID Cover
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Money Management: This plan is $119 for enrollment and $69/month. It includes the following:
- TransUnion credit score, TransUnion credit monitoring, and full credit report from Credit Sentry
- Dark Web monitoring, change of address monitoring, Social Security trace monitoring, pay-day monitoring, and social network monitoring from ID Cover
- Bill reminder, budgeting system, and real-time account sync from CashRules
- Snowball and avalanche debt system, TCP legal network, and debt validation letters to creditors from The Credit Pros
- Guaranteed $1500 line of credit from HuttonChase Department Store
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Prosperity Package: This plan is $119 for enrollment and $119/month. It includes the following:
- TransUnion credit score, TransUnion credit monitoring, and full credit report from Credit Sentry
- Dark Web monitoring, change of address monitoring, Social Security trace monitoring, pay-day monitoring, and social network monitoring from ID Cover
- Bill reminder, budgeting system, and real-time account sync from CashRules
- Snowball and avalanche debt system, TCP legal network, and debt validation letters to creditors from The Credit Pros
- Save up to 80% on medication from Slash Rx
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Success Package: This plan is $149 for enrollment and $149/month. * TransUnion credit score, TransUnion credit monitoring, and full credit report from Credit Sentry
- Dark Web monitoring, change of address monitoring, Social Security trace monitoring, pay-day monitoring, and social network monitoring from ID Cover
- Bill reminder, budgeting system, and real-time account sync from CashRules
- Snowball and avalanche debt system, TCP legal network, and debt validation letters to creditors from The Credit Pros
- Save up to 80% on medication from Slash Rx
- Guaranteed $1500 line of credit from HuttonChase Department Store
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Available discounts:
- Family member discount
- Competitor discount
- Military discount
- Fixed income discount
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100% money back guarantee: If you are not satisfied with the service for any reason, you can cancel at anytime for a 100% money back guarantee.
Summary
The Credit Pros has a great reputation from industry insiders and customers alike. They dispute all negative credit items upfront, which means that they could achieve faster results at a lower lifetime cost. Unlike many of their competitors, they offer numerous credit repair and credit monitoring packages with a multitude of benefits.
Frequently Asked Questions
How does The Credit Pros compare to its competitors?
The Credit Pros has many industry accolades: they are a registered member of ethics.net and hold an A+ accreditation with the BBB. Additionally, The Credit Pros has in-house licensed attorneys that are certified FICO professionals, a 90-day money back guarantee, and they offer both a pay-per-deletion and monthly program.
How long does it take after I sign up with The Credit Pros to receive my credit reports?
Each case varies, but it normally takes 45 to 60 days, which includes processing and mailing time from the credit bureaus. If you don't receive your credit reports within 60 days, you can contact The Credit Pros with your representative or by email to receive an update.
Who is allowed to see my credit reports when I sign up with The Credit Pros?
The specialists from The Credit Pros are the only ones allowed to see your credit reports. However, if you apply for a job or you are trying to apply for credit, your employer or lender may look at your credit file.
How does The Credit Pros back up its work?
The Credit Pros is committed to quality, results, and client support. They make the following promises:
- You can cancel your service at any time
- No one will over-promise or make guarantees
- Your personal information will be kept private and secure
- You will be treated courteously
- Your communication and requests will be responded to in a timely manner
Reviews for The Credit Pros
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Your reviews are a valuable source of insight for us to improve our service as well as improve the offerings. All pros and cons submitted here are evaluated and are responded. We also share these insights with our partners so that they could improve their offerings as well.
User Rating
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(8 Reviews)Rating Distribution
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8 The Credit Pros Consumer Reviews and Complaints
Jose Candelaria, on January 20, 2020
Credit Pros has always been honest and truthful. They make no promises they can't keep even thou they really work to fix your credit. Before I began with them I looked them up in the Better Business Bureau, BBB, and there rating is an A+ ; there are no negative or adverse reports. My wife's credit is almost completely fixed and mine is getting there because it's more complicated. Credit Pros is always in contact and keeping us informed os every step the make. I have faith my wife and I will have our credits fixed in all 3 Credit Bureaus soon.
Mai Bowden, on June 19, 2019
The Credit Pros have removed three negative items from my report within the first month. Which is AMAZING! The service I have received so far has been so helpful. They really have educated me on things I did not know and that’s what I loved most. I highly recommend using their services as it has been beneficial in every way. Thank you for all of your help!
Emily Deveaugh, on August 26, 2019
I've used you in the past and was impressed as to how quickly, and efficient your team was in helping me reach my goal of increasing my credit score, and being able to buy my new house. I'm hopeful you will be able to help me again. I went through messy divorce, and other life changing events that lead to my compromised credit. Thank you in advance
Daniel Ortiz, on June 20, 2019
The Credit Pros helped delete and dispute all inquires that were affecting my credit from increasing, which was holding me back from my ultimate goal of purchasing a home! Fast forward with a couple months being with the credit pros, I was now able to qualify for a home loan and moved my family into our dream home! Thank you credit pros!
Connie Cooley, on June 03, 2019
The reason why I will recommend my family and friends to you guys is because you take the time out to explain everything that we don't know about repairing the credit step by step and always there for us and I thank you so very much for that
Tasia Davis, on June 05, 2019
They helped raise my score over 100 points within a month, they also kept me informed of every step that they was taking as well as sent me copies for my own personal records
Jeffrey Felder, on October 22, 2020
Good
Elaine Schmid, on June 18, 2019
Great service. Is making a huge difference with my credit score. I will stay with this company forever, because it's worth it. There is no way you can keep up with all the details and keep contacting credit reporting companies, fighting off false charges, and ask them to drop really old records, all details that help to increase credit score. When I bought a Toyota Sienna last December, the car dealership said that my credit score is "insanely high", he only saw 1 other person the entire last year, with a score as high as mine!! Let's keep up the "insane" credit score and take it all the way to 850.... :)