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Why The Credit Pros?

The Credit Pros has been helping people like you repair their credit score by updating or removing inaccurate items (especially debt collection brands) on credit reports for over a decade.

Our commitment is to making sure that everyone has a fair shot at good credit. Founded by a team of credit law experts, The Credit Pros wants to make sure that everyone has access to the same information and can learn what it takes to build good credit for a lifetime.

Not only do we offer credit repair and improvement services, we also provide financial and credit building tools and education resources to help our clients understand what’s on their report (e.g. like specific negative items, etc.) and how their credit score works. With this education and our AI-based credit management tools, our clients can work to take control of their financial future and live a life without credit worries.

With The Credit Pros, you get

What Is A Credit Report?

A credit report contains information about an individual’s credit history and financial background. Your credit report will include your full name, any aliases, current and previous addresses, date of birth, Social Security number, phone numbers, and employment.

It will list all types of credit accounts, such as credit cards, loans, and mortgages. Also included are public records (such as tax liens, legal judgements, bankruptcy and foreclosures), credit inquiries from credit applications and soft inquiries for pre-approved offers, and accounts sent to collections for overdue debts.

Credit reports do not include checking or savings account details, income, investments, or criminal records. Credit reports are essential for lenders and others assessing creditworthiness and are used to calculate credit scores.

What Is A Credit Score?

Your credit score is a 3-digit number between 300 and 850 that shows how creditworthy you are. Lenders use your credit score to decide whether or not you qualify for loans. They also use your credit score to determine your interest rate.

Credit scores are calculated using a 5-part formula, calculated based on the following factors: payment history, amounts owed, length of credit history, mix of types of credit, and amount of new credit.

Good Credit Runs in the Family

Good credit is crucial for family members living in the same household as it directly influences financial opportunities and stability for everyone involved. 

Enrolling a partner or spouse in a credit-building program while building your own credit can be beneficial for several reasons. First, having strong credit scores for both partners is crucial when applying for joint financial products like mortgages or car loans, as lenders often consider the lower credit score to determine eligibility and interest rates. This means that even if one partner has an excellent credit score, a lower score from the other can result in less favorable loan terms. 

When you join The Credit Pros, you will have the option to enroll a ‘family member’ for free ($0 enrollment fee) and get 50% off their monthly plan rate!

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