The Credit Pros Full Review: Services, Fees, and Support!
The Credit Pros is a credit repair company that offers various financial services to help people fix their credit scores. It was founded by a well-known credit instructor and attorney with a specialization in the Fair Credit Reporting Act. This is what gives The Credit Pros authenticity and makes it one of the top credit repair companies in the market.
Founded in 2009 by Jason M. Kaplan, a well-known credit instructor and attorney with a specialization in the Fair Credit Reporting Act, The Credit Pros is one of the best credit repair companies in the market. The fact that its owner is a specialist in the Fair Credit Reporting Act gives it a huge advantage as it makes it more authentic than other competitors on the market.
The Credit Pros owner, Kaplan, is a certified FICO consultant and credit counselor. His knowledge and experience can help customers lead a better, more financially secured life. This is why it didn't take the company long to leave its mark on the industry as they have a few of the most well-known counselors and FICO experts.
The client reviews are positive almost all of the time and there are no official complaints filed against the company. However, The Credit Pros BBB has a few complaints regarding them. It gave them a rating of an A- and an average rating of 2.63 stars. Most complaints were regarding the company's inability to remove some elements from its credit score history.
The company's customer service is reliable and their representatives are friendly and quite helpful. They are always more than happy to discuss complaints, credit score, line of credit, debt consolidation, and more with customers during their office hours. The company’s corporate offices are located in West Palm Beach Florida. However, they don’t offer in-person services or walk-ins.
It's quite simple, all you need to do is go to their website, choose your language (they offer English and Spanish), and set up a free consultation with their team. You can pick a consultation date that suits your time. The free consultation session would give you a chance to meet and have a 1:1 conversation with a specialist.
These are the five main services that the company offers:
- Identifying inaccurate credit items and getting them removed to increase your credit score.
- Credit counseling to help you with your credit score.
- Credit education resources and tools to help you better understand how credit scores work.
- Outline of written material that covers credit scores and other valuable info.
- Informing you of your legal rights according to the law.
Once you've finished your free consultation session, you can have the option to choose a plan that suits you and start making payments. Once that's out of the way, the company will start helping you remove harmful items from your credit history, such as:
- Negative payments
- Inaccurate payments including late charges
- Library fines
- Medical bills
The next step would be for the company to contact your creditors and bureaus to correct inaccurate info. This is done by issuing dispute and validation letters alongside providing proof. The company would also release cease and desist and goodwill letters. These are very important because, for example, cease and desist letters are sent to collection agencies to ask them to stop the process while the matter is still in dispute.
If you would like to track your case, you can do so by simply logging into The Credit Pros portal through either their website or mobile app. There, you will be offered finance tools and 24/7 case tracking. And if you need help with anything, you can contact their support team through their support portals which we will be discussing in detail later on in this article.
The Credit Pros monthly fees could be a bit higher than other companies. However, the number of services that they offer with each package is much more than those of any other company. Here are the packages that The Credit Pros offer and their prices:
This package is not one of The Credit Pros' main repair packages and therefore it lacks features like bureau challenges and creditors interventions. However, for $19 per month, you get many features that make it a valuable package for customers that need the protection of their identity and access to monitoring services. For example, you get access to TransUnion credit monitoring, VantageScore updates, and regular full credit reports.
The Credit Pros also offers to enroll customers in the IDCover programs. This program includes features like a change of address alerts, payday monitoring, Dark Web monitoring, and social network monitoring. Nevertheless, you would need the money management plan if you want the company to work on your report and get inaccurate info removed.
This plan is offered for $69 per month. It covered basic tools needed to improve credit such as identity and credit monitoring, unlimited monthly disputes, and planning tools. Not only that, but you'll also get to enjoy debt management services that are designed to help you get rid of debt.
The Credit Pros can also help you with debt-related issues via various methods like avalanche and snowball. It is worth mentioning that this plan comes with only one debt repayment account and you would need to pay a bit more for a more expensive package if you would like to have multiple accounts.
This package could be a good option for users who need to deal with debt from several sources. For $119 per month, it comes with additional benefits including unlimited debt repayment accounts. In addition, you get a free Slash RX subscription which is a program that allows users to save up to 80% on prescription drugs.
This is the premium plan, it is available for $149 per month. This plan comes with all the features included in the previous plans along with some additional benefits in the form of financing through National Credit Direct.
This program was designed to help customers with no or poor credit purchase household items and at the same time work on improving their credit
The Credit Pros always try their best to offer their customers the best service and support there is. They offer phone, email, and live chat customer support in addition to an FAQs section and a knowledge base.
Their phone support is available from 9:00 a.m. until 8:00 p.m. EST Monday through Friday. You can also contact them via their email: [email protected].
However, if you prefer another method, you can always contact their live chat support which is available during their working hours. But this isn't all, they also offer you a great mobile app that is available on both iOS and Android smartphones. The app allows customers to track their credit repair progress, view their credit reports, and get push notifications when score changes are detected.
This app is reviewed with a 4.5-star average rating in both Google Play and Apple stores and the feedback around it is positive almost 100% of the time.
Customer reviews for The Credit Pros are mixed; while most are positive, there are also a few complaints to know about. The good news is that there are no official complaints on file with the Consumer Financial Protection Bureau, the government agency that acts as a watchdog over the credit repair industry. However, customers have filed complaints through unofficial channels.
The Credit Pros holds an A- rating with the Better Business Bureau but has received 57 customer complaints in the past three years and gets an average review score of just 2.79 stars. On Google, The Credit Pros holds a more impressive 4.0-star rating. The most common complaint from customers is a failure to see any negative items removed from their report.
Credit repair companies do their best to remove inaccurate info from your report. However, no company can promise you a specific result. That is why they offer free credit repair consultation where you can ask the company beforehand which items on your report are likely to be disputed and which are not.
If you have a complaint about the services of a credit repair company, you can file a complaint with the Federal Trade Commission (FTC) or call 877-FTC-HELP.
The Credit Pros don't require you to commit to a contract. All of their plans are monthly and can be canceled at any time you want to. However, if you want to cancel your subscription, you have to contact the company before your next payment is due. Otherwise, you would need to wait another month to cancel it.
The Credit Pros is a reputable credit repair company that has been trusted by many customers over the years. The fact that its owner is a well-known credit instructor and attorney with a specialization in the Fair Credit Reporting Act gives the company an extra layer of authenticity and trust. They've been rated as an A- company by the Better Business Bureau.
The company offers various financial services including credit repair. The catch is that they don't require you to sign a contract with them, which means you can cancel at any time so long as you contact the company before your next payment is due.