The Credit Pros Review: 2024 Edition

What You Can Expect From The Credit Pros

TCP offers credit repair, credit building, credit monitoring, and credit education. The majority of these services are included in all three plans. The main ones are:

Credit dispute letters – After you sign up, TCP specialists will start disputing inaccurate and negative items from your credit report. Unlimited disputes are only available with the two top-tier plans.

Cease and desist letters – While you’re trying to figure out the best course of action for improving your credit health and going through the process of improving it, you might benefit from getting rid of the pesky phone calls from creditors. The Credit Pros can’t make your debts go away, but it can inform your creditors that you’d like a break from their collections.

Debt validation letters – If you are at all suspicious of a debt, it might be a good idea to confirm that it actually belongs to you. TCP can draft and send a debt validation letter on your behalf. Until your creditor responds, they are unable to continue their collection activities.

Goodwill letters – Sometimes asking nicely works. Creditors might be willing to remove derogatory events from your credit reports, especially if your credit history depicts a generally responsible attitude toward finances.

One-on-one consultations – The Credit Pros credit specialists are always at your disposal for personalized assistance. These certified FICO professionals can help you devise an action plan and educate you on any credit-related topic you might be unclear about.

ID theft restoration and insurance – It’s rare for credit repair companies to offer ID theft restoration and insurance, so we consider this to be a big plus for TCP.

24/7 access to your client portal – We were also pleased to see that an easy-to-use mobile app is available for both Android and iOS users. All your information will be at your fingertips wherever you go. Aside from displaying updated credit reports, credit scores from credit bureaus, and current credit disputes, this app notifies you about important changes, lets you upload documents from your camera, and grants you access to various finance tools. 

Debt snowball and debt avalanche systems – TCP can assist you in implementing one of its systems for paying off debts. The Snowball method means paying off the smallest debts first and then gradually working your way toward the largest one. The Avalanche method entails doing the exact opposite.

The Credit Pros legal network – As a TCP member, you are provided with a top-notch in-house legal team.

Additional Services

Through its partnership with CreditSentry, IDCover, CashRules, and National Credit Direct, TCP offers several other services:

• TransUnion credit monitoring
• Dark web monitoring
• Change of address monitoring
• Social Security trace monitoring
• Payday monitoring
• Social network monitoring
• Bill reminder
• Budgeting system
• National Credit Direct services

We would like to point out that anyone can schedule a free consultation with TCP experts, in English or Spanish. You don’t have to pay the company to review your financial situation and to receive sound advice.

Educational videos featuring Jason Kaplan himself are posted regularly on TCP’s YouTube channel. Owners of the mobile app can find them in the learning center.

The Credit Pros Prices and Guarantees

The three pricing packages are:

The Money Management package – $119 first work fee + $69 per month

Customers who have a single negative item that they’d like removed should consider this plan. It also adds the Snowball and Avalanche systems and the option to use National Credit Direct services.

The Prosperity package – $119 first work fee + $119 per month

This plan’s main advantage is that it offers unlimited disputes. Additionally, a somewhat unusual but nevertheless useful benefit of the Prosperity package is that you can save up to 80% on medical expenses through TCP’s partnership with Slash. However, National Credit Direct services are excluded.

The Success Plus package – $149 first work fee + $149 per month

All of The Credit Pros credit repair, credit monitoring, and additional services are combined in its final premium plan. Those that need extensive assistance and would like to take advantage of the National Credit Direct’s cooperation with TCP might find this package appealing.

Even though the last two plans are a bit pricey, they do provide a lot of value for money and include a medical expenses discount. As far as other discounts go, we were a bit disappointed to see that, unlike many of its competitors, TCP doesn’t offer any perks for couples.

Guarantee

The website offers a 90-day money-back guarantee if no items are removed from the client’s credit report. Also, if any items that got deleted from the client’s credit report are reinserted, the company promises to reinvestigate those items at no additional charge.

The Credit Pros Speed of Service 

TCP doesn’t promise any miracle credit fixes or unrealistic time frames. Its experts assess every client’s situation separately and act accordingly; there are no one-size-fits-all solutions. Results can vary from case to case.

Some customers won’t have to wait more than a few weeks to see the first improvements to their credit scores, while others may have to be patient for a couple of months.

Judging by customer testimonials, the company’s dedicated staff begins working on your credit reparation within days of signing up, and the first credit boosts can be seen in under six months.

The Bottom Line

The main advantage of TCP is its staff comprising FICO-certified professionals and in-house lawyers. Sometimes, credit situations can get quite messy, so having this team on your side increases the odds of attaining your desired results. 

To round up this review, we would like to note that out of the many credit repair agencies we’ve reviewed, The Credit Pros definitely has a unique assortment of services we’ve seen so far. In line with this, it’s perfect for those who are looking to get a little more bang for their buck.