The Credit Pros was ranked by Inc. Magazine as one of America's 5,000 fastest growing companies. The company provides services that assist clients with repairing their credit score through the removal of negative, inaccurate items on credit reports. The Credit Pros' staff consists of Certified FICO professionals who provide high-quality credit repair services to all of its clients. The firm claims it is "the company that is fixing America's credit." Some of the services that The Credit Pros offer at no additional cost includes ID theft restoration and insurance, 24/7 client portal access, debt validation letters sent to creditors, pay-per-deletion monthly plans, cease and desist letters sent to collection agencies, and the creation of a one-on-one action plan with a FICO professional.
- 24/7 Access
- In-House Licensed Attorneys
- Transparent Payment Options
- Money-Back Guarantee
Not only do The Credit Pros provide a free consultation with certified FICO professionals, the credit repair company also provides unlimited disputes and goodwill letters to creditors at no additional cost to the client. The Credit Pros also promises that each client's information will be protected and kept secure (limited risk of identity theft). In addition to these perks, The Credit Pros has several other features to note, such as:
The Credit Pros provides clients with an online client portal that can be accessed 24/7. In addition, clients have 24/7 access to a case manager. The Credit Pros strive to ensure transparency throughout the credit repair process. Since the company works to get clients' credit scores up, they believe clients should be able to see results at any time of day.
In-House Licensed Attorneys
The firm has licensed attorneys on staff, providing a level of expertise to clients' credit cases. Also, the president of The Credit Pros is a Certified FICO Professional. The Credit Pros staff helps clients with the deletion of "erroneous credit damage", help clients "set realistic, reachable credit goals", "provide practical, honest credit advice when you need it", etc. The Credit Pros also strive to educate all clients on credit scores and provides tools to help clients avoid bad credit in the future.
Transparent Payment Options
The Credit Pros has all of their pricing information and plan options on their website for everyone to see. The firm offers three different plans for clients to choose from: the Individual Monthly Enrollment plan that costs $179 for enrollment and $99 per month, the Couple Monthly Enrollment plan that costs $279 for enrollment and $159 per month, and the Pay For Results plan that charges $379 per individual and $579 per couple for first payments as well as $100 per deletion of an item per bureau and $150 for public records. All of this can be easily found on The Credit Pros website.
The Credit Pros offer a 100 percent money-back guarantee if they cannot improve a client's credit within the first 90 days of the client using their services. Credit repair results can vary depending on the client's credit situation and the removal process. In order to remove negative items, credit repair companies must work with credit bureaus which can be challenging at times. The Credit Pros realize that credit repair results can be unpredictable and have implemented their money-back guarantee for that very reason. The Credit Pros also allow customers to cancel their services at any time.
- High Setup Fees
In 2012, the Attorney General found The Credit Pros guilty of unlicensed credit repair activity in Idaho. The company was ordered to pay $1,000 in restitution fees. The Credit Pros have since worked on rebuilding reputation, however, there is still an aspect of the company that potential clients may want to consider before signing up:
High Setup Fees
The Credit Pros does charge $179 per individual for a setup fee and/or $279 per couple. The setup prices for the pay-per-deletion option also are high as individuals are charges $379 and couples are charged $579. Overall, This credit repair company is pricer than many other companies in the credit repair industry.