The Credit Pros rates as a solid credit repair company in our review. While the firm is relatively new to the industry, their solid reputation cannot be discounted.
The company features the use of FICO specialists dedicated to working on each customer’s case file.
Perhaps most notably: Credit Pros’ specialized payment program allows customers to pay per credit report removal instead of on a monthly basis.
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 services offered by The Credit Pros are comprehensive, and include credit repair, credit building and credit management. The Credit Pros also give the option to have public records errors deleted.
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 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.
The Credit Pros offer a money back guarantee if disputed items are not removed within the first 90 days of the sign-up. Therefore customers should expect to start seeing results within the first 90 days. The amount of time it takes for each individual to have their credit fully repaired will vary based on circumstance.
In our opinion there are two distinct advantages for customers that decide to sign up with The Credit Pros:
- Credit Pros customers are assigned a FICO specialist. This is a unique advantage over comparable sites, because having access to an individual with specialized knowledge allows customers a greater latitude in what they can contest on their credit reports.
- Customers only pay for results. Unlike other credit repair companies that charge a monthly fee, The Credit Pros charge an initial fee followed by subsequent charges based on the number of negative items removed from the customer’s credit report.
What We Dislike About The Credit Pros
The Credit Pros services can be expensive. Because The Credit Pros system is ‘fee for service’, a customer with a substantial amount of items to be removed 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 text of the site should be expanded 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 will be assigned 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 three distinct disadvantages associated with The Credit Pros:
- Their system of payment could actually end up working against the customer if the customer is in need of extensive credit remediation.
- 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 recommended to anyone who needs to have negative 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 late payments, collections, charge-offs, foreclosures, bankruptcy, medical bills, library fines, and more.
How Much Do The Credit Pros Services Cost?
The Credit Pros require an initial sign-up fee of $149.
The company will then charge on a per deletion basis. For credit report deletions, The Credit Pros charges $50 per deletion per bureau.
For deletions from public record, The Credit Pros charge $75 per deletion.
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 & 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 services are designed 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 for Credit Repair Specialists: 1.800.411.3050
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.