This company, which was founded by a credit expert more than a decade ago, charges a flat monthly fee to help individuals monitor, protect, and improve their credit. Read on to learn more about this company and its services.
What are The Credit Pros?
The Credit Pros is a credit repair company with a unique suite of services designed to not only help individuals repair their credit, but also to get their financial lives back in order. The Credit Pros provides some standard credit repair services for those with low credit. But it also includes some unique offerings that can be helpful even for those with good or increasing credit.
Credit Pros Services
The Credit Pros offers a variety of services, which are packaged in a couple of different ways that we’ll discuss below. Their offerings include:
These TransUnion credit reports are available to Credit Pros customers on a monthly basis, so you can see exactly what is happening with your credit and where you still need to approve. You’ll get not only your numerical score, but also your full credit report and alerts of things that could potentially be concerning on your report.
This technology helps The Credit Pros keep their services affordable but still ensures that they work well. The technology helps figure out the best ways for you to improve your credit score so that you can partner with The Credit Pros to improve your score. The artificial intelligence system drives the TCP Secret Sauce, a multi-channel dispute strategy that helps resolve issues on your credit report quickly and efficiently.
This identity monitoring service ensures that your identity is safe online and alerts you when it isn’t. If even monitors the dark web to ensure your personal information isn’t floating around where you don’t want to it be.
TCP Legal Network
The Credit Pros have a network of attorneys who specialize in credit and consumer-related issues, so you can get access to an attorney as soon as you need it.
This budgeting system, which is in beta at the moment, offers some great budgeting features to help you stay on track financially. These features include a bill reminder system and a budget tracking system that allows you to set and monitor budgets for various spending streams. It also syncs with your spending account in real time so you never lose track of your expenses.
Guaranteed Line of Credit
When you pay for The Credit Pros subscription, you can start rebuilding your credit with a guaranteed $1,500 merchandise card for Hutton Chase. This may not seem like much, but it’s a way to start using revolving credit wisely, which can increase your credit score quickly in some situations.
Video Training and Blog Portal
When you’re a member of The Credit Pros, you can access 10+ years’ worth of blog posts that include tips and tricks for financial management and credit improvement. And you can get access to a video portal that includes loads of videos on various financial topics. Plus, members can get access to exclusive informational webinars with industry experts on a variety of credit and personal finance topics.
Pricing of Credit Pros
The Credit Pros currently offers four different plans. The most basic Credit Sentry program, which includes Credit Sentry and ID Cover is $19 per month.
If you want to go beyond the basics of credit monitoring, though, you can choose from three plans:
- Money Management: For $69 per month, this plan includes Credit Sentry, ID Cover, CashRules, and The Credit Pros standard services, including three-bureau credit restoration, snowball and avalanche debt systems, the TCP Legal Network, and debt validation letters to creditors. This plan also comes with the Hutton Chase line of credit.
- Prosperity Package: This package runs $119 per month and includes everything listed above plus a membership with Slash RX, which could save you 80 percent of your medication costs.
- Success Package: This package costs $149 a month and comes with the full suite of services and memberships available through The Credit Pros.
Applying for The Services
To get started with The Credit Pros, it helps to know your credit score. They help individuals with a score of 640 or below. But you have to meet certain other qualifications with your credit and income situation, so the best option for getting started is to schedule a free consultation with The Credit Pros.
You can go on their website to schedule an appointment in just a minute with some basic personal information. At this appointment, you’ll dive more into your credit and financial information with a representative, and then you can find out whether or not you’re a good fit for The Credit Pros and their services.
Credit Pros Security
Obviously, in order to work with The Credit Pros, you’ll need to give them access to a variety of sensitive personal information. They’ll collect information through their app or website, or when you talk with a representative personally. The Credit Pros says they may share some of your information with outside companies who may be able to offer you services, as well. The information you provide to The Credit Pros is protected by industry-standard SSL encryption.
Mobile Support and Accessibility
The Credit Pros is one of the only credit repair organizations that offers its customers access to a fully functional mobile app, which is available for Android and IOS. With the app, you can manage your interactions with The Credit Pros, see your credit report, and use their services like the CashRules budgeting system.
The Credit Pros has multiple options to get in touch with its customer service department, including phone, chat, and email. As a credit repair agency, they tailor their services to meet your specific credit-related needs. And they have pretty good reviews on online review sites when it comes to their customer service.
Pros and Cons of Credit Pros
- 90-Day Guarantee: The Credit Pros wisely doesn’t make any promises about how quickly or how much your credit score will improve. But they do offer a 90-day money back guarantee if you see absolutely no changes in your first three months of working with them.
- Full Transparency: The Credit Pros will give you copies of every letter, file, document, and conversation they have on your behalf when they’re working to repair your credit. This is helpful because you can see how they’ve done things, but it also allows you to document everything in case a creditor tries to get you back on the hook in the future.
- Wraparound Services: With its full suite of services, The Credit Pros can be a good place to look if you need services for multiple pieces of your financial life. They’re primarily about repairing your credit score. But they also help walk you through budgeting and other issues that may have gotten you into a bad-credit situation in the first place.
- Great Resources: Again, The Credit Pros isn’t just about pushing you to consolidate your debt or get creditors to lower your balances. It’s also about helping its customers change their financial habits and achieve freedom from debt, and it offers a host of excellent resources to meet that goal.
- Potentially Expensive: The Credit Pros could get pricey if you pay for a premium membership for several months. However, since you know the cost up front, you can decide ahead of time whether or not it’s worth your money.
Credit Pros Alternatives
Many credit repair services are little more than scams to get you to consolidate your debt with a high-interest loan. But The Credit Pros actually does help people repair their credit over time in ways that make sense for their particular situations.
With that said, you can do most of what The Credit Pros offers on your own. It just takes more time and effort to get it done. So if you want to spend less time thinking about your credit or potentially see results more quickly, The Credit Pros could be a good option.
Who is Credit Pros For?
The Credit Pros only works with those who have a credit score of 640 or lower, so if you’re not in that category, they’re not for you. But if you do have a low credit score and a source of regular income, you could consider Credit Pros. They can help you get your credit on track and your financial life in order for a set monthly fee you know about ahead of time.
How to Get Help with My Credit?
A low credit score does not only make loans costly or inaccessible. It may affect your employment, and even prevent you from renting the best apartment. As an indicator of creditworthiness, it is checked by lenders, insurers, employers, and landlords. If the total is far from perfect, there are several ways to fix it. The best repair companies will do it on your behalf.
Why Scores Go Down
In the US, the most popular scoring systems are FICO and VantageScore. They use a similar combination of factors to assess data on credit reports. Three major bureaus — TransUnion, Equifax, and Experian — document your payments and all events related to borrowing. For example, the three most important elements for FICO are:
- history of payments (35%);
- the total amount of debt (30%);
- age of credit history (15%).
From this, you can deduce the conditions for the best scores. You need to have an impeccable record without missed or late payments, and the total amount of debt should be as low as possible. The longer your history — the better. You may also raise the score by using more credit products (credit mix accounts for 10%) and opening new accounts (10%).
Do You Need Repair?
This term refers to the correction of official records. Today, affordable credit repair services help you clean the reports fast. These measures are not always necessary. The accuracy of the records determines whether you need repair. You may need to rebuild your history, not fix it. For example, you will see the credit score go up after paying debt.
Every year, you may request a copy of your reports. There is no need to contact the agencies individually. Until April 20, 2022, www.annualcreditreport.com allows you to get them for free once a week.
If the documents are accurate, there is nothing to fix. However, you may still raise the score by rebuilding your credit history. There are several ways to do this, such as:
- Increasing limits on credit cards or paying off the balances (this lowers the credit utilization ratio);
- Getting a new credit card (to bring down the same indicator);
- Taking out new loans and paying back diligently;
- Adding more data to your reports through Experian Boost, and more.
How Repair Works
Mistakes on official reports are not uncommon. You may find errors in spelling or completely false entries, such as judgments, evictions, or bankruptcies. These derogatories will tarnish your records for a long time. Most negative entries affect the score for 7 years, and some bankruptcies influence it for a decade, depending on the chapter.
Every consumer has a right to dispute such errors on their own. This is a challenging and lengthy process. Not only should you navigate consumer credit laws. It is necessary to liaise with bureaus, lenders, and collectors. Communication involves formal letters of specific formats. If you lack the expertise, a credit repair company is your best bet.
Overview of Professional Services
These providers have teams of weathered experts. They will collect your data, identify the most damaging mistakes and have them removed. This process involves four key stages and takes several months on average. The company will:
- collect your reports from all major bureaus;
- scrutinize the documents to identify inaccuracies;
- develop a strategy to fix the score as quickly as possible;
- collect evidence to prove that the items are false;
- send formal dispute letters to credit bureaus to have the mistakes deleted.
Most providers offer different tiers of services. The cheapest packages include five disputes per billing cycle on average. The core services are analysis and disputes. In addition, you may access score monitoring tools, personal budgeting apps, identity theft protection, and other extras.
On average, repair takes between 2 and 6 months. This depends on the number of mistakes you want to eradicate. The more derogatories — the longer you (or your hired experts) need to collect the evidence and initiate the disputes.
How to Find a Reliable Provider
In the United States, credit repair is a big industry. Dozens of companies offer to raise your total quickly, but choosing the right one is tricky. Pay attention to the following:
- reputation and BBB rating;
- range of services;
- money-back guarantee.
Your provider may or may not be accredited with the Better Business Bureau. Still, this platform offers crucial insights (e.g., the number of complaints in the past 3 years and any pending lawsuits). Feedback is also available on sites like www.consumeraffairs.com and TrustPilot. In addition, check expert reviews from reputable sources like Investopedia.
In terms of pricing, learn about the ‘first work fee’, or ‘setup fee’. It is paid upfront. Subsequently, the company will charge you every month as long as you need its services. On average, you may pay between $79 and $129 per cycle.
Pay close attention to the refund policy. Some companies will not return your money even if they fail to delete a single item from the records. At the same time, there are unconditional policies. These allow you to get a refund for any reason within the first 90 days.
You need convenient access to progress tracking. Most providers allow you to check the status of your case on their web portal. The biggest companies have proprietary apps. You may reach their office by phone on any weekday, and support is also available during shorter weekend hours.
If you need help with repair, choose trusted providers in your area. Check their reputation, legal status, and feedback from customers. Beware of scammers. With professional assistance, you may see the first results in just over a month.
La Reyna Del Credito Helping People Defeat the Financial System by Improving Their Credit Scores
Financial freedom is somewhat an alien word where Ivonne Arvizu comes from, and she made a solemn promise to make it happen for herself and as many others as possible. With a work rate that has cut across different clients with varying professions such as medicine, entertainment, business, legal, real estate, financial professionals, police officers, and thousands of other people who needed credit report at one time or the other, Ivonne Arvizu has created a strong impression about La Reyna Del Credito. Ivonne acquired her credit repair knowledge a long time before she established her credit repair company, and she started helping people fix their credit while she worked at a bank. The bank was against her offering such services due to a conflict of interest. Ivonne, not willing to let herself get tied down in some banking bureaucracy she didn’t agree with, resigned from the bank and made her company into a full-fledged, official credit repair business.
Ivonne Arvizu has always been about excellence and flying the flag high all her life. Despite coming from a humble background and a poor family that never fulfilled the American dream, Ivonne set out to make a difference. She became a homeowner at the age of 20 and has dedicated more than 18 years of her life helping the Latino community elevate its financial status. Ivonne has been featured in Spanish programs on television networks like Telemundo, Univision, Radio Nueva Vida, Radio Inspiracion, and other broadcast services educating the public about financial freedom. Through La Reyna Del Credito, Ivonne is changing lives and shaking things up in the financial world.
La Reyna Del Credito was established on the premise of “Life happens, and anyone can get into a bad credit situation.” In Ivonne’s words, “Nobody ever hopes to have bad credit. It just happens, and it does not discriminate. There are so many variables that cause people to have bad credit and fortunately for them, ‘La Reyna del Credito’ exists.” Beyond fixing bad credit scores, La Reyna Del Credito helps people get their mortgage credit within days so they can buy their dream homes without stress. The company established a FICO program that ensures this guarantee, and it has boosted La Reyna Del Credito’s credibility in the Latino community.
La Reyna Del Credito has proven to be a game-changer for the Latino community and has pushed its members to focus on becoming more financially stable in their retirement age. With more than 1,087 real estate deals closed in 2018 alone and a money-back guarantee on all credit fixes if the company does not deliver the score, La Reyna Del Credito has given people more confidence in its services as it continues to deliver excellent results. The bulk of the company’s clients are Spanish-speaking Latinos who migrated to the United States without knowledge of how credit scores work, and they need guidance. Ivonne Arvizu has built something outstanding, and she’s willing to see it through till she has fixed the finances of hundreds of thousands of people.
Learn more about La Reyna Del Credito on the company’s official website.
Improve Your Credit Score with a Credit Repair Company
Securing a loan for your home or business investment can turn out to be quite overwhelming for individuals and businesses out there. People with poor credit scores often struggle with their loan applications, as it gets a bit challenging to have your loan application approved at a low interest. In fact, a credit score happens to be the first thing a bank or a financial institution is likely to notice when reviewing your loan application.
Sometimes, simple things such as late payments and irregular bill payments can lower your credit score significantly. Even if you manage to find a private lender who’s willing to approve your loan application, there is a good chance they will charge you a high interest for the loan.
Why Do I Need to Hire a Credit Repair Company?
It isn’t always your utility bills or debt payments that lower your credit rankings, but sometimes, you might end up with a bad credit score because of a small error on your credit report. Regardless of the complexity of the issue you are facing, you can’t deal with the problem on your own. It is important that you seek help from a credit repair company to look into the matter and fix the issue quickly. As the name suggests, the credit repair company is in charge of fixing the errors in your credit report and removing the items that might be lowering your credit score. This includes charge-offs, late payments, liens, debt collections, and so on.
With a large number of credit repairing companies claiming to offer high-quality and cost-effective services, the decision of choosing the most reliable company could be a little overwhelming. Each company offers a set of unique services that are designed to improve your credit score in different ways. You might have to apply for a loan to finance emergency health requirements, your dream home, a startup, business capital, child’s education, and other requirements. Here are a few other reasons why you must hire a credit repair company:
· Fix Inaccuracies on Your Credit Reports
Research shows that more than half the population of the United States report inaccuracies and unnecessary errors in their credit reports every year. These errors occur due to the miscalculation is wrong information. As mentioned earlier, it isn’t always your debts and late payments that affect your credit rankings.
Sometimes, small errors in the report could have a profound impact on your credit score. It is, therefore, important for businesses and individuals to get their credit reports reviewed once in a while. Only a credit repair company has the expertise and skills it requires for reviewing the credit reports thoroughly and fixing the errors. The sooner you get these errors fixed, the faster you will be able to apply for a home loan.
· Job Opportunities
Many reputable companies ask applicants to attach a copy of their credit reports with the job application so that they know their staff is trustworthy. A good credit score increases your chances of getting hired by a reputable company.
· Insurance Policies
You can’t secure the best and low-priced insurance policy with a bad credit score. It’s important to work on your credit score to get the best deals on insurance policies. That’s because a majority of insurance providers offer insurance plans based on your credit reports. A reliable credit repair company will help fix your credit score, saving you a significant amount of money on an insurance policy.
Best Credit Repair Companies
There is no denying that good credit repair companies can help improve your credit reports by erasing the negative items and fixing the inaccuracies. Here are a few popular credit repair companies you can count on for premium services.
· Credit Saint: With more than 10 years of experience in this industry, Credit Saint tops our list of the best credit repair company. The Better Business Bureau has rated it A+ for the variety of services it offers. The company has undoubtedly improved the credit rating of a large number of customers successfully over the past few years. It reviews your FICO credit score, evaluates the negative items, and fixes the damaged credit score.
· Sky Blue Credit: If the price and quality of the services are your main concerns, Sky Blue Credit is your best bet. The company has kept a fixed price, which is $79 a month, for an extensive range of credit repair services.
· The Credit Pros: With over 200,000 customers based across different parts of the world, The Credit Pros is a 12-year old company that has received an A+ rating from the Better Business Bureau. You can enroll in its monthly plan that costs a flat fee of $49 or choose the prosperity package – whatever fits your preference and budget.
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