Credit Pros Review [2024]: Reconsider Your Options

Who is The Credit Pros best for?

The Credit Pros is designed to help anyone who wants to build or repair their credit. However, given the high price tag and limited services, we don’t think the company is the right choice for someone who wants to build their credit or who wants basic credit-monitoring services.

The Credit Pros could be a good option for someone who needs help repairing their credit. However, there’s no guarantee its services will work. Most of the services, including filing disputes with the credit bureaus or contacting your creditors, are things you could do on your own for free.

Overall, given its high price tag and limited range of services, we don’t necessarily think The Credit Pros is the best option on the market for anyone.

The Credit Pros pricing and plans

The Credit Pros features and services

The Credit Pros offers a variety of features and services, each of which can broadly fit into the categories of credit monitoring, credit building, or credit repair.

Credit monitoring

The Credit Pros offers various services to help you monitor your credit. When you sign up for the Build Credit plan, you’ll receive a credit report and score from one credit bureau. With the Credit Repair and Credit Build + Repair plans, you’ll get reports and scores from three bureaus.

Other credit monitoring services that are available with all three plans include dark web monitoring and fraud alerts from TransUnion.

It’s worth noting that you can get some of these services for free elsewhere. For example, each person can access each of their credit reports for free at AnnualCreditReport.com. Additionally, there are free credit monitoring services that can show your credit score and offer fraud alerts.

Credit building

If you have a thin credit file, The Credit Pros offers services to help you build your credit. For example, you’ll make a monthly payment to The Credit Pros each month, and that payment will be reported to the credit bureaus to help boost your credit score.

This service is available with the Build Credit and Repair + Build Credit plans but not the Repair Credit plan. The company also offers bill reminders and a debt payoff and budgeting system, which could help get your finances in order to boost your credit score.

The monthly fee and first work fee for the Build Credit plan are a bit high for what you get in terms of credit-building services and probably aren’t worth it for most people. There are other ways to help you build credit for far cheaper (and often free) using methods like secured credit cards or becoming an authorized user on someone else’s credit card.

Credit repair

Finally, The Credit Pros offers services that can help you repair your credit. You’d probably consider these services if you’ve defaulted on debts, need help removing damaging information from your credit reports, or need help communicating with your creditors.

First, The Credit Pros can help review your credit report and determine if there are errors that could be hurting your credit score. If there are, The Credit Pros will file disputes on your behalf.

The Credit Pros can also communicate with your creditors, including sending cease and desist letters or asking them to remove negative marks from your credit reports. All of the credit repair services are available with the Repair Credit and Repair + Build Credit plans.

It’s important to note that The Credit Pros’s credit repair services don’t actually address your debt. Unlike debt settlement or debt management plans, they don’t help you reduce your debt burden or create a payment plan with your creditors. And assuming all the debts on your credit report are legitimate, disputes and creditor interventions may not necessarily help get them removed from your credit report.

The Credit Pros customer reviews

Unfortunately, The Credit Pros’s reviews are a bit of a red flag. The company has more than 600 reviews on Trustpilot, the vast majority of which have five stars. However, Trustpilot has added a note to the company’s profile that it's in breach of the platform’s guidelines due to suspicions that it has purchased fake reviews. As a result, there’s no rating available. That’s a huge red flag.

On the Better Business Bureau, The Credit Pros has an average rating of 3.88 out of 5 stars with more than 150 reviews. However, the company has received 33 complaints within the past year and 73 complaints within the past three years.

How to contact customer service

You can call The Credit Pros customer support team at 877-479-6788. You can also speak with a representative via live chat or email the company at info@thecreditpros.com. Finally, you can schedule a meeting to get a free consultation before signing up for a plan.

Alternatives to The Credit Pros

If you need help building or repairing your credit, there are several alternatives that can help you along the way. Here are a few things we suggest.

Free credit monitoring

The best starting point when you want to build or repair your credit is to set up a free credit monitoring service. First, you can get a free copy of each of your credit reports from AnnualCreditReport.com. Then, you can set up credit monitoring with Credit Karma, Credit Sesame, Experian, or even your credit card company.

DIY credit building and repair

Most of the credit building and repair services The Credit Pros offers are things you can do yourself at no cost. For example, anyone can check their own credit report for free and file disputes with all three credit bureaus if there’s negative information. You can also contact your creditors to set up payment plans or ask them to remove certain marks from your credit report.

If you’re looking for ways to build your credit, there are plenty of free methods, including opening a secured credit card or becoming an authorized user on someone else’s credit card. You can also set up a credit-builder loan, some of which are free to use.

Learn here how to get started with DIY credit repair.

Credit counseling

If you’ve tried the DIY route and it’s not working, you might consider credit counseling. A credit counselor can look at your debt and credit situation and recommend steps to help improve your finances overall. Additionally, if you have overwhelming debt, a credit counselor can help set up a debt management plan to make it easier to pay off your existing debt.

Credit counseling can help address the root cause of your credit issues, especially if you’re still struggling with debt. As an added bonus, many credit counseling programs are offered by non-profit organizations, so you may feel more comfortable trusting them.

FAQs

Bottom line

Working with a credit repair company like The Credit Pros could be helpful if you need assistance building or repairing your credit and don't know where to start. However, the hefty price tag likely isn’t worth it for most people. Most of the services The Credit Pros offers are things you can do yourself for free if you’re willing to devote a bit of extra time.

Additionally, given the high number of credit repair scams, we’d be careful of working with any company with red flags, such as the accusations against The Credit Pros of purchasing fake reviews.

Disclaimer: All rates and fees are accurate as of November 12, 2024.

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