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      June 18, 2018

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The Credit Pros vs E Credit Attorney

Best Credit Repair

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of The Credit Pros and E Credit Attorney.

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Your credit score and credit history are extremely important pieces of information. They are used to determine how much home you can afford; what your payments will be on your car; whether you qualify for credit cards; and even how much you'll pay for auto insurance.

Many times, however, people find their credit history contains negative information. This can range from late payments or too many credit inquiries, to collection agencies or inaccuracies. This negative information can restrict your purchase options and drive up your costs.

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Best Reviews

2018

Credit Repair Reviews

3 stars
The Credit Pros

THE CREDIT PROS Visit Site

Cost:

$179/$279 set-up fee for individuals/couples

$50 per credit history deletion per bureau

$75 per public records deletion

Monthly credit monitoring: $16.95

In business for more than 10 years and with a solid A rating as a Better Business Bureau accredited company since 2011, The Credit Pros offer help with removing bankruptcies, foreclosures, charge-offs, collections and more from individuals' credit reports. Their pricing structure is unique among credit repair services: users pay an initial fee of $179 for individuals or $279 for couples, and then an additional $50 per confirmed deletion per bureau and $75 for public records. This "Pay For Results Plan" allows clients to only pay for the services they truly need, rather than paying a monthly subscription for processes that may take several months to complete.

Customers can learn more about working with The Credit Pros by calling a toll-free number, completing an online form to schedule a one-on-one consultation with a certified FICO Professional, or by using a live chat function. It's worth noting that, at the time of this review, the Live Chat feature did not appear to be available; the chat page only showing the words "Live Chat" without a link or any sort of connection to that kind of functionality.

We also were slightly less than impressed to find in the fine print on the sign-up page that customers are required to maintain active credit monitoring. While clients can use TCP's services at $16.95 per month or another service of their choice, we would have liked that information featured more prominently as it does add to the customer's costs for credit repair services.

On the other hand, we do like The Credit Pros' 100% Money Back Guarantee, which offers a full refund for any failure to force the removal of any erroneous credit in the first 90 days. This guarantee could be made more robust by offering that guarantee for any reason.

Customer satisfaction with the services offered by TCP seems to be high, with clients reporting positive changes in their credit report in as little as 8 weeks. The Credit Pros does inform prospective clients to expect the process to take up to 12 months, depending on the complexity of their credit issues; however, given that TCP structures its services per removal, not per month, that could be very economical compared with other providers' monthly fees.

We would like to see specific numbers regarding TCP's successes: how many clients have been served, average times to resolve specific credit issues, and so forth. That information would easily move TCP into a four-star rating.

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2 stars
E Credit Attorney

E CREDIT ATTORNEY Visit Site

Cost:

$29 one-time setup fee + $29 monthly charge

E Credit Attorney offers one level of service and one level of satisfaction. Also similar to Veracity, their ultimate goal is financial freedom with a credit report free from inaccuracies and false information. They pride themselves on keeping the cost of credit repair low, and their promise to every client is a full refund if satisfactory services are not completed within 1 year.

A unique feature of their website is a page of information specifically on what a credit report is, what kind of information is reflected in a credit report, and how long negative items are listed, as well as other pertinent information. Although not extensive, it provides basic, necessary information for any consumer who's a little bamboozled by the scope of credit reports, repair, and financial impact.

E Credit Attorney operates with a refund evaluation policy effective after services of one year. Their evaluation is that if the number of deletions multiplied by $55 is not greater than the cost to you in monthly installments, you will be "fully reimbursed" the difference.

Enrollment with E Credit Attorney is available over the phone or online, and for those whose first language is not English, a page of information on credit repair and E Credit Attorney can be viewed en Espanol. Online sign up with E Credit Attorney is also available, but unfortunately there's no seal of secure sign in. Another puzzle piece missing from this otherwise savvy-sounding business is a BBB seal, or a page of information about the "real" attorneys servicing client accounts. Although E Credit Attorney has all the auspices of a trustworthy and reliable source of credit repair, similar services can be provided by higher-rated, more reliably reputable businesses.

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Continued from above

A good credit repair service will take on these negative items in your credit history and work to remove them or reduce their severity. They can work directly with the credit bureaus, your creditors, and collection agencies, and use a variety of tactics to get them to stop reporting negative information.

Unfortunately, there seems to be just as many fraudulent credit repair firms running scams as there are legitimate credit repair services. There are a number of features to consider when comparing credit repair services. Some of these include:

  • Effectiveness.  Do they have a successful track record of improving credit scores?
  • Cost.  How do their fees compare with other credit repair services?
  • Guarantee.  Do they back up their service with a refund policy?

TopConsumerReviews.com has reviewed and ranked the best credit repair programs available today. We hope this information helps you reestablish your good credit right away!

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Published:  Wed, 28 Jun 2017 04:30:00 GMT



Montgomery credit repair company shut down, accused of deception

A Montgomery credit repair company has been permanently closed for deceptive and illegal practices, according to Alabama Attorney General's Office. Attorney General's Steve Marshall's office reached a settlement with Scott's Credit Repair and its ...

Published:  Mon, 30 Oct 2017 21:29:00 GMT



CFPB cracks down on 'credit-repair' companies

WASHINGTON -- You've almost certainly seen or heard pitches for "credit repair" services promising to clean up your credit problems, reduce your debt, or even raise your credit scores by 100 points or more. Come-ons like these can be especially seductive ...

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