Credit Pro
Credit Pro is a privately held San Diego company founded in 2007 that sells authorized user tradelines (Bronze, Silver, Gold tiers at $295-$495) to U.S. consumers and wholesale resellers seeking to build or repair credit profiles via seasoned credit card accounts.
- Company typePrivate
- Founded2007
- HeadquartersSan Diego, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Credit Pro does
Credit Pro, Inc. is a privately held, San Diego-based tradeline services company founded in 2007 that operates a B2B and B2C platform for selling authorized user tradelines to consumers seeking to build or improve their credit profiles. The core service adds individuals as authorized users on established credit card accounts with long, positive payment histories, allowing those seasoned accounts to post to the consumer's credit report and improve their credit scores. Credit Pro sells a tiered product portfolio — Bronze ($295, 2+ years of history, $2K-$5K limit), Silver ($395, 4+ years, $5K-$10K), and Gold ($495, 6+ years, $10K-$15K) — with reported inventory of over 1,000 tradelines including lines up to $80,000 with 25+ years of history. The company also operates a Wholesale Tradeline Program that supplies mortgage brokers, credit repair professionals, and other resellers at pricing 40-60% below retail, plus structured offerings such as Credit Pro Kickstart and Student Tradelines targeting first-time credit builders and young adults.
The business model is transactional: customers pay a one-time fee per tradeline purchased, with a 20% discount applied to multi-item bundles, and resellers transact at wholesale unit pricing. The go-to-market is sales-led, driven primarily through the company website (callcreditpro.com) and customer portal (portal.callcreditpro.com), supported by toll-free phone consults, email support, organic social channels (Facebook, LinkedIn), and an active educational blog used to capture top-of-funnel search demand. The company serves individual consumers across the United States and a distributed network of small B2B reseller partners; it is founder-owned, has 11-50 employees, and reports no institutional funding, parent company, or acquisition activity in the available data.
Credit Pro firmographics
Firmographics- Name
- Credit Pro
- Legal name
- Credit Pro, Inc.
- Website
- https://callcreditpro.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Credit Pro is a privately held San Diego company founded in 2007 that sells authorized user tradelines (Bronze, Silver, Gold tiers at $295-$495) to U.S. consumers and wholesale resellers seeking to build or repair credit profiles via seasoned credit card accounts.
- Ownership category
- akta.pro rank
Credit Pro industry classification
Industry- Product category
- Credit Enhancement Services
- NAICS
- Credit Bureaus (56145)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)
- akta.pro secondary industry
- Credit Repair & Credit Score Advisory (FSAEAFAD)
Keywords
Where Credit Pro is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Credit Pro business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Tradeline Sales (Retail): Credit Pro generates revenue through one-time fees for authorized user tradeline purchases. Customers pay a single transaction fee to be added as an authorized user to an existing credit card account. The pricing varies based on tradeline quality factors including account age and credit limit. A multi-item 20% discount is offered for bulk purchases.
- Wholesale Tradeline Program: Credit Pro offers a wholesale program for resellers and credit professionals, providing tradelines at 40-60% lower pricing than retail rates. This B2B channel allows partners to purchase tradelines for resale to their own clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Bronze Tradeline - Entry-level tradeline for basic credit building needs |
| Unit Pricing | Pay-as-you-go | Silver Tradeline - Mid-tier tradeline with stronger credit profile characteristics |
| Unit Pricing | Pay-as-you-go | Gold Tradeline - Premium tradeline with maximum credit enhancement potential |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Credit Pro product offering
Product offeringCore offering
Credit Pro is a credit enhancement service company that sells authorized user tradelines, adding clients to established credit card accounts to help improve their credit profiles and scores. The company operates a wholesale tradeline program for resellers, brokers, and credit professionals, and offers specialized programs including Credit Pro Kickstart for first-time credit builders and Student Tradelines for students.
Product overview
Credit Pro operates as a tradeline services provider offering a tiered product portfolio centered on authorized user tradelines. The core offerings consist of three tradeline tiers (Bronze, Silver, and Gold) differentiated by account age (2+, 4+, and 6+ years respectively) and credit limits ($2,000-$5,000, $5,000-$10,000, and $10,000-$15,000). Supporting services include Wholesale Tradeline Services for resellers, Authorized User Tradelines as the primary mechanism, Credit Pro Kickstart for credit building, and Student Tradelines targeting young adults. All products leverage the authorized user model where clients are added to established credit card accounts to inherit positive payment history on their credit reports.
Differentiator
Problem solved
Functional benefit
Products and services
- Bronze Tradeline
- Silver Tradeline
- Gold Tradeline
- Wholesale Tradeline Services
- Credit Pro Kickstart
- Student Tradelines Tradeline offering designed for college students and young adults, helping them establish initial credit profiles while still in school.
Quantifiable outcome
- Tradelines can post in as little as 14 days
- +3 more outcomes
Companies that use Credit Pro
Customer profileSegments3 records
Ideal customer profiles2 records
Credit Pro technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Credit Pro partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights5 records
Credit Pro competitors and assessment
Company assessmentEmerging players
- Dovly: Dovly is a digital consumer credit-repair platform that helps users address negative credit-file items. It shares Credit Pro's credit-improvement customer segment and recurring financial need, but uses a different core mechanism.
- Credit Saint: Credit Saint serves consumers seeking credit repair and profile improvement. It is comparable through the same financially distressed or credit-constrained customer base, although it emphasizes credit-repair workflows rather than Credit Pro's tradeline sales.
- Sky Blue Credit Repair: Sky Blue Credit Repair provides credit-repair and credit-profile services to individual consumers. It is an emerging adjacent competitor because it addresses similar customer needs through dispute and repair processes rather than tradelines.
- The Credit Pros: The Credit Pros offers credit-improvement services to consumers and professionals, overlapping with Credit Pro's target market and broader credit-building category. It is an emerging player because its service mix is broader and not limited to the same tradeline-led model.
Direct peers
- Coast Tradelines: Coast Tradelines markets authorized-user tradelines directly to consumers based on account age, limit, and payment history. Its offerings and credit-improvement use case closely match Credit Pro's retail tradeline business.
- Tradeline Supply Company: Tradeline Supply Company is a direct comparable that sells authorized-user tradelines to consumers seeking to improve their credit profiles. It overlaps with Credit Pro in product type, target customer, transaction model, and reliance on seasoned credit-card accounts.
- BoostMyScore: BoostMyScore provides tradeline-based credit-improvement services to individual consumers. It is directly comparable to Credit Pro because both monetize the addition of authorized users to seasoned revolving accounts.
- Superior Tradelines: Superior Tradelines is a direct tradeline provider focused on selling seasoned authorized-user accounts for credit enhancement. Its product, customer, and transactional sales model are closely aligned with Credit Pro.
- eTradelines: eTradelines offers tradelines and related credit-profile enhancement products through an online retail model. It competes in the same authorized-user tradeline category and serves a substantially overlapping consumer audience.
Broad incumbents
- Lexington Law: Lexington Law is an established consumer credit-repair provider serving customers seeking to improve their credit profiles. It overlaps with Credit Pro's customer and credit-improvement category but has a broader, incumbent service offering.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Credit Pro social profiles
Digital presenceCredit Pro financial estimates
Financial estimateRevenue estimate
Valuation estimate
Credit Pro leadership team
Management profileNumber of profiles
Profiles1 record
Credit Pro funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Credit Pro M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Credit Pro
What does Credit Pro do?
Credit Pro is a credit enhancement service company that sells authorized user tradelines, adding clients to established credit card accounts to help improve their credit profiles and scores. The company operates a wholesale tradeline program for resellers, brokers, and credit professionals, and offers specialized programs including Credit Pro Kickstart for first-time credit builders and Student Tradelines for students.
Is Credit Pro a public or private company?
Credit Pro is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Credit Pro founded?
Credit Pro was founded in 2007. It employs 11 to 50 people.
Where is Credit Pro based?
Credit Pro is headquartered in San Diego, United States, in the North America region.
How does Credit Pro make money?
Two revenue lines are on record. Tradeline Sales (Retail) is the primary driver. The others are wholesale Tradeline Program.
Who are Credit Pro's main competitors?
Emerging players on record are Dovly, Credit Saint, Sky Blue Credit Repair and The Credit Pros. Direct peers are Coast Tradelines, Tradeline Supply Company, BoostMyScore, Superior Tradelines and eTradelines. Lexington Law is listed as a broad incumbent.
Does Credit Pro have an API?
No public API is recorded for Credit Pro.
What industry is Credit Pro in?
Credit Pro's product category is Credit Enhancement Services. Its primary akta.pro industry code is FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools, with a secondary code of FSAEAFAD, Credit Repair & Credit Score Advisory. Its NAICS code is 56145 and its SIC code is 7320.