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The Credit Pros review

A FICO professional team with a pay per deletion option

Our Verdict

The Credit Pros use a different payment system allowing freedom for those that want to pay per item of bad credit removed. Although there is also a monthly payment plan which could work out cheaper. This includes unlimited disputes, lots of letter types and a handy 24/7 client portal to keep up on progress. Whichever option you go for, it's more expensive than the average.

For

  • Private consultation
  • Cease and desist letters
  • 24/7 access portal

Against

  • Not in all states

The Credit Pros: What you need to know

The Credit Pros, as the name suggests, is a company specifically focused on getting your credit repaired.

Thanks to a team of FICO certified professionals you'll be in good hands right from your initial consultation. The company was rated by Inc. Magazine as one of the fastest growing companies in the in US and has a solid A+ rating from the BBB setting it in very good stead.

The service gives you 24-hour access to your credit report, the full one as opposed to a summary, and lots of online support information too. The monthly paid service puts no limit on the number of disputes sent out and you can even take advantage of cease and desist letters should they be needed.

The Credit Pros uses FICO-certified specialists but also has an in-house team of attorneys who can advise you on any area you need help with. All that and there's a 100 percent money-back guarantee if you're not satisfied with the service.

So is this the credit repair service for you? Read on to find out everything you need to know about The Credit Pros.

Cost: How much does The Credit Pros charge?

  • From $19 per month
  • Up to $149 per month
The Credit Pros: Key figures

Cost: $19 - $149 per month or individual deletions at $100 each

Customer service: 24/7

Contact: Phone, email, text

Credit report: Free

The Credit Pros offers a pretty unique payment plan system. While you do get the usual monthly options, there is also the chance to pay per deletion. This is ideal if you know you only have one or two that need taking care of and want to save money that way – especially if those one or two are expected to take months to fix.

Alternatively you can pay monthly from as little as $19 right up to $149 depending on the services you need. 

Whatever you go for you'll need to pay a start-up fee. It's $379 for an individual doing pay per deletion, $19 for $19 per month, $119 for the $69 and $119 per month options and $149 for the $149 per month plan. There are couples options too.

Looking at the plans it looks like the $19 doesn't have much less than the $149, although you will lose Bill Reminders, Budgeting Systems and Real-time Account Sync, which are also available on the $69 plan. The higher end plans let you save up to 80 percent on Slash RX medications and have access to a line of credit.

The Credit Pros: Professional, personalized

  • FICO-trained professionals
  • Lawyers available

The Credit Pros lives up to its name by employing a team who are very well qualified in the area of credit, specifically credit repairs. That means right from your initial free consultation you're talking to a FICO-certified professional who can answer your questions and clearly show you your situation and how to improve it.

When you get further into credit repairs you can also have access to the dedicated team of licensed attorneys who are well versed in credit as well as legal matters.

The result should be that you can be shown a clear route to fixing your credit.

The Credit Pros: Money-back guarantee

  • 100% money-back
  • In case of unchanged error

You get a decent money-back guarantee if your requirements are not met. Specifically you'll get your money-back in the case of an unchanged error. 

If you don't get at least one negative mark removed from your credit report within 90 days then you're eligible to leave and get your money back too. This is thanks to a service that generally does meet this time limit, so you can expect good results and if you don't get them, well, there's no loss of money at least.

The Credit Pros: How does it work?

  • Free consultation
  • Credit score under 640

Right from the outset you're able to talk with a FICO-certified professional. Simply set up a call via the website to get talking. This lets them assess your credit situation to decide if they're the right fit for you as well as vice versa. 

If you fit the criteria you have the option to pick a payment plan and get started. This does require you to have a credit score lower than 640. There are also state limitations with no access to those living in Oregon, Maine, Minnesota, and Kansas.

Once up and running you'll be able to have unlimited letters sent out challenging bad credit report marks. There are also letters for cease and desist as well as for recommendations which can help your case.

The Credit Pros generally says it should have cases fully fixed with a six to 12 month period. 

Expect the process to be fast, with credit bureaus being contacted within five days of sign-up. At 60 days you should get updated credit reports, all you need to do is mail or fax those in so that new items can be disputed. The company will do the rest with not only the bureaus but also courthouses, creditors and lenders, as needed.

The Credit Pros: What is removed?

  • Late payments
  • Collections

The Credit Pros will remove lots of different types of bad credit items to ensure you get a better score in the long run. While bankruptcies is also an option, this is harder to remove and so the company is up front saying that it has a 35 percent success rate in this are. The more standard items it removes include:

  • Late payments
  • Collections
  • Repossessions
  • Erroneous foreclosures
  • Inquiries
  • Student loan late payments

The Credit Pros: Online support

All your credit reports and personalized score insights are available to access online 24/7. This also means you get access to tools and tips that help you understand that score and the next steps. This should help you keep a high credit score in the future too. 

Credit monitoring is another part of the service which helps you see your situation at a glance. The result should be that you're able to spot potential identity theft more easily. ID theft restoration and insurance are included as part of your plan also. 

Thanks to access to the CreditRepair.ai site you even get artificially intelligent software which helps you repair your credit. Although with access to a real life professional a phone call may be more helpful for anything complicated. 

The Credit Pros: What users say

  • BBB rating of A+
  • Trustpilot score of 3.5

The BBB, Better Business Bureau, gives The Credit Pros a very impressive A+ rating. Although it seems to do this for all its accredited companies. The more telling customer review rating is just over 3 stars out of five based on 19 reviews. 

The Trustpilot score from customer reviews stands at 3.5 stars out of five. This is thanks to 80 percent Excellent reviews, 14 percent Great, two percent Average, one percent Poor and three percent Bad. The Credit Pros have replied on there, offering support for those not happy. 

The Credit Pros: Verdict

The Credit Pros do as the names suggests by offering you access to FICO-certified professionals as well as licensed attorneys to help you repair your bad credit. This means formulating a personalized plan and sending out unlimited letters to challenge issues. The end result is promised to get you at least one bad item removed within 90 days. Failing that you can get all your money back.

The company has good ratings from customer reviews suggesting it does make good on these claims. The addition of a 24/7 online portal to see all your credit progress and changes - coupled with educational information - makes for a really well rounded service. 

The catch is that setup fees can be pricey, but it also has low-end pricing options and that item specific charge facility. Also this service isn't available in all states. But if you can get access this might be the one for you.