The Credit Pros 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:

• 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
• 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
• 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
• 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
• Available discounts:
  • Family member discount
  • Competitor discount
  • Military discount
  • Fixed income discount
• 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.