Frequently asked questions
If the answer you need is not here, call us or send a message. The contact details are at the bottom of this page.
Getting started and your reports
What does The Credit Pros do?
We help you improve your credit. There are two ways to change what your credit report says about you. One is adding positive history. The other is challenging negative items you think are inaccurate, outdated, unverifiable or misleading.
We help with both. Depending on your plan, we also keep watch on your reports and your identity.
How do I get started?
Start with the free credit analysis. It pulls your TransUnion report and score and shows you the items that may be hurting your credit. You decide what to do from there.
You can start your free analysis whenever you are ready.
Why look at all three reports?
Experian, Equifax and TransUnion each hold a different file on you. You will not always know which one a lender will check, so it helps to see all three.
The paths you can take
What are my options?
Most people use one or more of these.
- Build credit, if your file is thin or you are rebuilding.
- Repair credit, if there are items on your reports you think are wrong.
- Keep watch on your credit and your identity.
- Do it yourself, which costs nothing.
Our plans combine these in different ways. The pricing page shows what each one includes.
How do you help me build credit?
On the plans that build credit, we report your monthly Credit Pros payments to the credit bureaus, which adds on-time payment history to your file.
If you are starting with little or no credit, there is more on building credit from scratch.
How does credit repair work?
If there are items on your reports you think are inaccurate, outdated, unverifiable or misleading, we dispute them with the credit bureaus. You choose which items, and we follow what comes back.
Information that is accurate and current stays on your report. A dispute cannot remove it, and you will be told which is which rather than sold a plan around it. There is more on the negative items page.
Do you monitor my credit and my identity?
Depending on your plan, you get your credit reports and scores, alerts when something changes on your report, dark web monitoring for your personal information, and fraud alerts. The pricing page shows what each plan includes.
Working with us and pricing
Which plan is right for me?
There are 4 plans.
- Success Plan. Repair credit (one bureau only).
- Money Management Plan. Build credit.
- Success Plus Plan. Repair and build credit.
- Prosperity Plan. Repair credit.
The pricing page compares them side by side. Not sure? Call us on (800) 411-3050 and we will help you choose.
How much does it cost?
Every plan is a monthly fee plus a one-off first work fee. The plans, and what each one includes, are on the pricing page.
Who will I work with?
On plans that include disputes, you get a Credit Specialist. They explain what we are doing and answer your questions. You can book a call with them to go through your file.
How do I reach a person?
Call (800) 411-3050 or email info@thecreditpros.com. You can also use the contact form, which reaches the same team.
Your emails are going to my spam folder.
It happens, and it is usually fixable in a couple of minutes. There are step-by-step instructions for the main mail providers on how to whitelist us.
Your rights and cancelling
Can I do this myself?
Yes. You have the right to dispute inaccurate, outdated, unverifiable or misleading information with the credit bureaus yourself, for free. You can build credit on your own too, by paying on time on accounts that report to the credit bureaus.
Many people come to us because they want a team to handle it and follow up.
Can you promise my score will go up by a set amount?
No, and neither can anyone else. What is on your file, whether it is accurate, and how the companies that reported it respond are not things we control. If we do not think we can help you, that is what you will hear.
We do have a satisfaction guarantee. If, after 60 days, you are not satisfied with our service, we will extend your service up to the number of paid months at no additional cost.
Can I cancel?
Yes, anytime, by phone or in your account.
Do you work in every state?
No. Credit repair is regulated state by state and we are not registered everywhere. We cannot currently serve people in Maine, Kansas, Minnesota, or Oregon.