Best Credit Repair Companies of March 2023
The Credit Pros
Credit builder loan available
$5,000 line of credit with National Credit Direct available
Mobile app
Offers money-back guarantee
No debt management program available
Higher cost than some competitors
The Credit Pros is the best choice for credit-building tools 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.
The company’s Money Management plan (which doesn't actually include any credit repair services) costs $69 per month. The next level, Prosperity, costs $119 per month and does include credit repair. Customers who need significant assistance can also opt for its Success Plus plan for $149 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 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. And 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
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