While The Credit Pros is relatively new to the industry, they have come onto the credit repair company scene quite fast.
The company features the use of FICO specialists dedicated to working on each customer’s case file.
In the following review of The Credit Pros’ services, we’ll go over the firm’s pros & cons, what you can expect from their service, and a few frequently asked questions.
What We Like About The Credit Pros
The design of the website is clean, simple, and generally user-friendly. Contacting them is easy via a pop-up menu in the lower right corner of the website.
We appreciate founder Jason Kaplan’s desire to be a transparent and engaged owner. His name, contact information, and biography are readily available on the site for potential clients to evaluate.
A simple google search returns generally positive reviews of the business, including the BBB A+ rating (as of this review, June 30, 2019).
The amount of time it takes for each individual to have their credit fully repaired will vary based on circumstance.
What We Dislike About The Credit Pros
The Credit Pros now appears to have moved to a more traditional, monthly-fee approach (rather than their old model of ‘fee for service’). So, the below paragraph no longer applies.
The Credit Pros services can be expensive. Because one option of The Credit Pros system is ‘fee for service’, a customer with a substantial amount of items they want to remove from their credit report could end up paying exponentially more than they would on a monthly plan. Additionally, there doesn’t appear to be any limit or cap on the amount of money one could end up paying.
Although we love the simplistic design of the website, the business should expand the text of the site to allow for a better and more thorough explanation of The Credit Pros’ services. Additionally, we would like to see them list the names and profiles of their team of FICO experts that they will assign to individual customers.
The Credit Pros do not report the results that an average consumer receives after using their service.
The Credit Pros has only been in business since 2009. It is possible that their strong reputation could be the result of not being in operation long enough to accumulate blemishes.
There are two distinct disadvantages associated with The Credit Pros:
- Customers may be ‘oversold’ on services. While The Credit Pros does offer a wide variety of services, customers may find themselves being enticed to pay for services that they would not otherwise need.
- The Credit Pros do not list the process by which negative credit items are deleted. This information is helpful for customer reassurance and serves to empower customers in the instance that they wish to take independent action. We would like to see The Credit Pros implement learning modules and feature information on what actions an individual may take on their website like other comparable credit repair agencies.
Credit Pros Reviews
When to Use The Credit Pros
The Credit Pros service is intended for anyone who needs to have negative, inaccurate items removed from their credit report.
What Can Be Removed from Your Credit?
The Credit Pros can remove anything legally allowable from your credit. These items range from negative & inaccurate late payments, collections, charge-offs, foreclosures, bankruptcy, medical bills, library fines, and more.
How Much Do The Credit Pros’ Services Cost?
The Credit Pros offers several packages, including:
- Money Management: $69/month & a $119 first-work fee
- Prosperity Package: $119/month & a $119 first-work fee
- Success Package: $149/month & a $149 first-work fee
See more about what’s included in each package on their website here.
What Results Can You Expect from The Credit Pros?
Although results vary for each individual, most clients can expect at least some items to be removed from their credit report. Correspondence with the FICO expert that will give them a greater understanding of their own credit and their rights vis-a-vis creditors.
The Credit Pros state on their website their customers can expect:
- Assistance with the deletion of erroneous credit damage.
- Practical and honest credit advice.
- Help with setting realistic and reachable goals.
- Education on credit scores and consumer rights.
- Tools to help avoid credit problems in the future.
He is a certified Credit Counselor and FICO Consultant. Kaplan created The Credit Pros with the desire to use his understanding of the law to help others repair their credit.
He build the company by employing experienced FICO experts and credit counselors to help clients navigate the complicated process of credit remediation.
Frequently Asked Questions
Are there any discounts for Couples, Families, or Military Service?
No. The Credit Pros does not currently offer discounts for any of the above scenarios.
Can deleted items reappear on your credit report after a seemingly successful repair?
Deleted items can always reappear on one’s credit report due to error or unethical practices by the creditor.
The Credit Pros and other firms design their services to combat this potential problem with necessary follow-up for those who continue their subscription.
Where Are The Credit Pros Located?
The Credit Pros
60 Park Place Suite 200
Newark, NJ 07102
What is their phone number/hours?
Telephone number: (844) 257-4696
Hours of availability (phone) 9 a.m. – 8 p.m. (EST) M-F
How Do You Cancel The Credit Pros Membership?
You must contact the company directly via phone or email.