:fill(white):max_bytes(150000):strip_icc()/The-Credit-Pros-Logo-ceaf77533ae648c58f7aed4834c7ba9e.jpg){kind=logo}
Jessica is an Associate Finance Editor on the Performance Marketing team at Investopedia and The Balance. She's been editing financial and business content for over a decade.
Updated September 03, 2024 Reviewed by Reviewed by Michael J BoyleMichael Boyle is an experienced financial professional with more than 10 years working with financial planning, derivatives, equities, fixed income, project management, and analytics.
Fact checked by Fact checked by Maddy SimpsonMaddy Simpson is an experienced data journalist and fact-checker with a background in financial analytics.
Credit repair companies work on your behalf with creditors and the three major credit bureaus to help remove questionable items from your credit reports and improve your credit score. You can always try to repair your credit yourself; however, depending on your financial situation, working with a reputable credit repair service may save you time and provide a better outcome in the long run.
In addition to disputing errors on your credit report, a good credit repair company will also offer services like credit score tracking and identity theft insurance as an added bonus, all at an affordable price. Ideally, you'll also want to work with a credit repair company that has a reasonable cancellation policy and provides a money-back guarantee. Fortunately, the best credit repair companies will be easy to locate due to their excellent track records with prior clients.
According to our research, Credit Pros is the best overall credit repair company due to its credit builder loan and line of credit offerings, money-back guarantee, and mobile app. To choose the best credit repair companies, we evaluated 17 credit repair services on 39 factors, including costs and fees (40.5%), services offered (34%), customer experiences (22.5%), and stability (3%). Some credit repair companies only work with one or two of the major credit bureaus, but each company on our list works with all three—Equifax, Experian, and TransUnion.
The Credit Pros is our choice for Best Overall thanks to its credit builder loan and line of credit, along with being top-notch for most of the other criteria we reviewed. Prospective clients get a free credit repair consultation to help them decide which of the company's three packages is best for them.
While Credit Pros doesn’t clearly outline the types of letters it will send to the credit bureaus or creditors on your behalf, it does get to work quickly. New customers can expect this company to start working on their credit just three to five business days after signing up, and you can track progress through the Credit Pros mobile app or online portal.
The Money Management plan offered by Credit Pros (which doesn't actually include any credit repair services) costs $69.00 per month. The next level, Prosperity, costs $129.00 per month and does include credit repair. Customers who need significant assistance can also opt for its Success Plus plan for $149.00 per month.
To be eligible for a credit builder loan you'll need to sign up for the Success Plus plan, and then apply. Credit builder loans are a bit like reverse loans—you make the payments first, and then you get the money. Make all your payments on time, and you'll wind up with a loan account on your credit reports in good standing, which can help improve your credit. Credit Pros' credit builder loan reports to all three major credit bureaus.
According to customer support, the $5,000.00 line of credit is available with the Money Management plan; this is less useful than the credit builder loan because it only reports to Experian. That means it won't show up on your TransUnion and Equifax credit reports. This line of credit is quite limited, as it can only be used for purchases with the National Credit Direct store.
As a Credit Pros customer, you’ll get access to TransUnion credit monitoring, so if there are changes to your report you’ll be alerted quickly. All packages also come with budgeting and bill payment tools, in addition to identity theft protection. With its Success Plus plan, you’ll get unlimited credit bureau disputes, creditor interventions, access to your credit reports and scores with all three bureaus, as well as a credit builder loan.
Originally founded in 2009, Credit Pros is headquartered in West Palm Beach, Florida. For more information, see the full Credit Pros Credit Repair review.
