
About The Credit Pros
Established in 2009, The Credit Pros is a credit repair company that helps clients improve their credit scores by disputing credit reporting errors to the three credit bureaus (Experian, TransUnion and Equifax). Depending on the level of service you sign up for, you can get unlimited credit dispute letters and credit counseling from certified credit experts. Free credit monitoring is added to every plan level to protect you from identity theft.
Overall Satisfaction Rating
- 5 stars
- 4 stars
- 3 stars
- 2 stars
- 1 stars
Pros
- 90-day money-back guarantee
- Free consultation
- Bilingual service
Cons
- Expensive plans
- Must mail/fax reports
- Only one monthly dispute with the smaller package
Bottom Line
For those seeking to repair prior damage to their credit history, The Credit Pros offers three different plans to help. It offers a free consultation in English or Spanish and a 90-day guarantee.
Top The Credit Pros Reviews
- 4,214,734 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
For more information about reviews on ConsumerAffairs.com please visit our FAQ.
“They are so professional. I’m so happy to select your services to fix my credit. I could see the results very quickly. Good job. I recommend you. I recommended my family because ...
Read full review“I started the program for my daughter and myself in May 2018. So far my score has improved by approx. 30 points! My daughter has some ID theft issues and they are working on hers...
Read full reviewWhat is The Credit Pros?
The Credit Pros disputes negative marks on your credit score on your behalf. It has three monthly packages that range in features, with the top-tier plans offering creditor interventions, cease and desist letters, letters of reference and goodwill letters. You can get a free consultation, which will not affect your credit score.
Once The Credit Pros successfully removes an item from your report, the company will reinvestigate for free if the negative mark gets reinstated to your credit report.
The company uses secure sockets layer (SSL) security technology to encrypt sensitive information. When you browse The Credit Pros website, you do so anonymously, and your personal data is not collected. Your information is then maintained with industry-standard safeguards.
How does The Credit Pros work?
Once you are a client of The Credit Pros, a specialist will begin sending letters to the three credit bureaus addressing inaccurate items on your credit report. It takes about 60 days to see improvements on your credit report. When you receive updated credit reports, you then mail or fax them to The Credit Pros. You will continually send updated copies throughout the process.
The Credit Pros products and services
The Credit Pros offers three different packages:
- The Money Management Plan includes one bureau dispute per month. This plan also comes with a credit report and scores from one bureau, but no cease and desist letters.
- The Prosperity Plan: Get unlimited disputes with all three credit bureaus each month as well as access to cease and desist letters and creditor interventions.
- The Success Plus plan: This top plan comes with everything mentioned above, plus all three credit bureau reports and monitoring. Clients also have access to a credit-builder loan, which helps you report timely payments to the bureaus.
The Credit Pros fees
The Credit Pros offers three tiers of service at different monthly rates:
- The Money Management Plan costs $69 per month and has a $119 first-work fee.
- The Prosperity Plan costs $119 per month and has a $119 first-work fee.
- The Success Plus plan costs $149 per month and has a $149 first-work fee.
You can cancel your service at any time.
The Credit Pros FAQ
Does The Credit Pros have a money-back guarantee?
The Credit Pros has a 90-day money-back guarantee. However, its refund policy also comes with a lot of fine print. For example, the 90-day guarantee is only available if you see no results after you have been enrolled in the program for 90 days. Additionally, refunds are limited to 90 days, so if you are enrolled in the program for 150 days, you will only receive a refund for your fees for 90 days of service.
Do I need a hardship to use The Credit Pros?
Anyone can use The Credit Pros to dispute misinformation or negative marks on their credit reports. A free consultation is the best way to see if the company can help in your situation.
Will using The Credit Pros hurt my credit score?
Working with The Credit Pros should help your credit score, especially if you are able to remove negative marks on your credit report that aren’t supposed to be there. While working with The Credit Pros, you must continue to make on-time payments to creditors to avoid further issues.
Is The Credit Pros legit?
The Credit Pros is a legitimate company that has helped over 100,000 clients, according to the company. In 2021, it helped clients remove tens of thousands of questionable items from their credit reports. It can take longer than expected to dispute issues on your credit report, but there is a 90-day money-back guarantee if you are unhappy with the service.
The Credit Pros Reviews
A link has directed you to this review. Its location on this page may change next time you visit.
I cannot recommend this credit repair service enough! The team was knowledgeable, responsive, and most importantly, effective. They were able to remove several negative items from my credit report and improve my overall score. Thanks to their hard work, I was able to secure a loan with favorable terms. I am so grateful for their help!
Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

I call TCP my stress relief program. Took a lot of pressure off my wife and I boy do I feel good. Weeee. I on my way to better living. I thought I would get my credit back in control. I would highly recommend.

Within the first few weeks my credit score has risen 30+ points. It is well worth it and would recommend to everyone who is having credit card debt that you can't work through on your own. I am very satisfied so far.
I signed on with The Credit Pros and within a couple of short weeks, there were more than 6 disputes that were showing up on my credit reports. They keep you informed through their easy to use app. I would recommend anyone needing help to hire The Credit Pros.
I signed up for credit repair through this agency. I had just 1 negative collection I needed removed. I chose this colony because of the 90-day money-back guarantee. My item was never removed and it seemed my credit score kept going down. When I contacted them for my money back they told me it was too late and refused to refund me. They told me of certain stipulations that were never communicated to me and said they are communicating them now. They refused the money back “guarantee” and did nothing for my credit. Not only am I out hundreds of dollars but I still have this collection on my report. Please shop elsewhere!
They help me, and this link gave me a lot of information. **. Love Credit Pros. Credit Repair Kit provides step-by-step instructions and 2021 credit letter templates to raise credit scores at home in months.
I was a member for a little over three months. My goal was to clear up a few creditors that should not be on my report. One in particular I discussed several times at length. That one was never addressed. They reported that my score improved from 715 to 805. When I went to apply for refinance the broker explain that there are several scores that are given, depending on the creditor request the score and my mean score ended up being 715. And the primary reason was the account that I had asked them to resolve in the beginning. Now I will just have to try to do it on my own. Not really impressed with results.
My story is simple, I joined in December with a credit of 679 and 30 days after in January my score dropped 70 point with no reason other than these so-called Credit Pro guys had no clue that sending blind inquiries to credit agencies can refresh their status of your old delinquent accounts and the new algorithms can penalize you for those drop your score. I worked so hard to raise my score from 540 to 679 over 2.5 years and these INCOMPETENT so-called Credit Pros had no knowledge of this and caused me to lose 2.5 years of hard work.
I called them so many times they run me around. The agent Gene ** constantly promises to call me back NEVER did. Why in the hell I signed up?? It was their misleading sales tactics that got me. Their sales agent told me, "We do not send just generic letters. We have lawyers on staff, they write letters specifically based on your situation and according to legal loopholes." THEY DID NOT. They lied to me and send a generic letters without spending few minutes to tailor it to my situation. AVOID THIS COMPANY OR YOU MAY REGRET AS I DO NOW.
They are so professional. I’m so happy to select yours services to fix my credit. I could see the results very quickly. Good job. I recommend you. I recommended my family because I can see the results. They are the best.
The Credit Pros were extremely professional, and hard-working. They understood that my priority was to improve my credit and refinance my home. The Credit Pros went in and repaired so much that at the end of the year I was able to do exactly that, refinance my home. I highly recommend The Credit Pros.
The Credit Pros Company Information
- Company Name:
- The Credit Pros
- Company Type:
- Private
- Year Founded:
- 2009
- Address:
- 60 Park Place Suite 200
- City:
- Newark
- State/Province:
- NJ
- Postal Code:
- 07102
- Country:
- United States
- Website:
- thecreditpros.com