Wednesday, September 22nd
2021 Credit Repair Company Reviews
The Credit Pros
- Cost: Enrollment fees of $179/$279 (individual/couple) and monthly fees of $99/$159 (individual/couple)
- Pay-for-Results plan with enrollment fees of $379/$579 (individual/couple) and per-deletion fees of $100-$150
The Credit Pros advertise themselves as "a financial technology firm dedicated to improving the lives of [their] clients". They do this through helping them remove inaccurate, unverified, and/or erroneous information from their credit history and by offering education to help prevent similar mistakes going forward.
Introductory action plan
If you'd like to get a feel for what to expect from The Credit Pros, you can get a free credit score and summary, along with an action plan, by entering your name, number, and email address. You'll then be contacted for your free initial consultation. We found some customers who described that experience as frustrating, with representatives who spoke too fast and didn't take the time to answer questions - but since it's free, there's no risk for you to give it a try for yourself.
Expensive services
Their services are definitely not free - and are actually some of the highest in the industry. Here's what you should expect, depending on which plan you choose:
- Monthly enrollment: initial fees of $179 for an individual or $279 for a couple, plus monthly fees of $99 or $159, respectively
- Pay For Results enrollment: initial fees of $379/individual or $529/couple, then fees of $100 for each confirmed deletion per bureau or $150 for deletions from public records
1-on-1 consultations
All plans include 1-on-1 consultations with a certified FICO professional, unlimited disputes, letters to creditors, and pulling your credit report. You should expect it to take up to 60 days to receive your credit report - which also means that you may not see any changes to your credit history for the first two months that you're a client. Keep that in mind as you decide whether you want to be a per-month or pay-as-you-go customer
Good reputation
The Credit Pros have some indicators of a good reputation: an "A+" rating as an accredited business with the BBB, along with some positive customer comments. We also like that they offer a solid satisfaction/refund policy: you can cancel your service at any time, and you can get a full refund if they don't force the removal of any errors on your credit history within the first 90 days of your service.
Keeping current
The Credit Pros also have a very current website. Unlike some of our lower-ranked credit repair services, this provider keeps their blog updated with helpful information and articles, which means that they stay aware of current trends in consumer credit, changes to the law, and so forth.
Mixed customer reviews
On the other hand, we found that their client reviews were not all positive. You pay a lot for this service, so you expect to have measurable results and competent customer service, but many of the complaints we found said that the attention received after signing on the dotted line was very different from the sales pitch beforehand. Company reps seemed to respond almost exclusively to compliments online, but we didn't see the same attention given to address problems or complaints.
The Credit Pros are more trustworthy than some credit repair services that you may consider, but their high fees and mixed reviews may lead you to choose another provider.
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Who's the Best Credit Repair Company?
Most Americans know that a good credit score and credit history are important. That one number, your credit score, can determine your ability to get a loan for school or for a car, be approved as a tenant, or to qualify for a credit card.
Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.
Credit Repair Company FAQ
Continued from above...
Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.
With so many services advertised in the media and online, how can you tell if a credit repair company is reputable and effective? As you compare the various providers, here are several criteria to keep in mind:
- Reputation. What do past and current users of the credit repair service have to say about the experience? Is the company accredited and/or rated by the Better Business Bureau?
- Cost. What will you pay to fix your credit history? Should you expect a one-time fee or a monthly payment structure? How do the costs compare with other providers'?
- Guarantee. Does the credit repair service guarantee that they will improve your credit score and/or history? Can you get a refund if you are unhappy with their service for any reason?
TopConsumerReviews.com has reviewed and ranked the best credit repair companies available today. We hope this information helps you find the right credit repair program that meets your needs and gets you on your way to an improved credit history!
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