The Credit Pros Reviews

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Edited by: Jana Lynch

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.

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

Featured Reviews

Cape Coral, FL
Verified purchase
“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 ...

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Bloomfield, NJ
Verified purchase
“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 more

What 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

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    How do I know I can trust these reviews about The Credit Pros?
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    Page 1 Reviews 0 - 5
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed Oct. 22, 2025

    I'm having credit issues. I was creating an account with Experian Bureau. The link with experian, directed me to the Credit Pros. I called the number. The agent that answered the phone was Mr. **, I think that's how you spell his last name. He was very informative. He was also patient and, understanding. He took the time! To explain everything to me. He also made sure that I had a good understanding. I could have done the work myself. I did start some of the process on my own. Upon talking to the agent. I began to feel more comfortable about it. They are taking care of all three bureaus altogether. So, that was less stress for me. And, I was stressful!! I feel pretty confident that they are going to do what they said. They also offered me a letter of evidence that they are handling my situation for proof of renting. That's until everything is finalized. They said they will handle it. And I believe they will. So, we will see 👀.

    Thanks for your vote!
    The Credit Pros
    Response from The Credit Pros
    Hello Jason,

    Thank you for sharing your experience! We’re glad our team could make the process clear and reduce stress for you. If you need anything else, we’re here to help!

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      Customer ServicePunctuality & SpeedStaff

      Reviewed Sept. 23, 2025

      I am now highly proud to be a part of this company called "Credit Pros." They have shown me a way out... Much better way of getting those heavy tons of stones off my shoulder... While enjoying their services & my life at the same time! Plus... it's for as little as nothing to do it! Have been looking for months almost a year for company such as them to come to my aid! Thank you, Credit Pros! I will highly recommend as well promote your company!

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      The Credit Pros
      Response from The Credit Pros

      Thank you so much for your amazing review! We're truly honored to have played a part in your journey and are thrilled to hear how much lighter things feel for you now. Your recommendation and support mean everything to us. Welcome to The Credit Pros family — we’re so glad to have you with us!

      Verified purchase
      Staff

      Reviewed Feb. 3, 2025

      These people are very thorough and good at their jobs, and I look forward to seeing the results! I love their portal and I can see what is going on! Which is a big plus. I know for sure that they're already working to take some things off my report that are dragging down my credit score.

      Thanks for your vote!
      The Credit Pros
      Response from The Credit Pros

      Thank you for your positive feedback! We’re thrilled to hear that you’re finding our portal helpful and that our team’s efforts are making a difference in your credit repair journey. We’re committed to helping you achieve your credit goals, and we look forward to sharing the results with you soon.

      Profile pic of the author.
      Verified purchase
      Customer ServiceStaff

      Reviewed Jan. 31, 2025

      I have only been working with The Credit Pros for a short time, and my credit score has already gone up 27 points. But the factors we've only just started. When I log into their portal I can read the letters that had they have written support my dispute with the credit card company. I have several mistakes, got arrested on my credit report, which is hurting my credit score. The people at the credit Pros are really putting in the work for me. They call me regularly to keep me informed of the process. I have really nothing but good things to say about these people and the company they work for. I feel confident, in recommending the credit Pros to anyone who needs help with repairing their credit.

      Thanks for your vote!
      The Credit Pros
      Response from The Credit Pros

      Thank you for taking the time to share your experience with our credit repair service! We truly appreciate your feedback and are thrilled to hear that you found our services helpful. Our team is dedicated to assisting our clients in achieving their financial goals, and it’s rewarding to know that we made a positive impact on your journey.

      Staff

      Reviewed Jan. 31, 2025

      They honestly work with you to do all they can. The Credit Pros stay with you til the end. Carlos was great. Natalie was simply awesome, polite, courteous and professional. After only talking to The Credit Pros they helped me increase my score the same day.

      Thanks for your vote!
      The Credit Pros
      Response from The Credit Pros

      Thank you for taking the time to share your positive experience with The Credit Pros! We are thrilled to hear that Carlos and Natalie provided you with exceptional service and support throughout your journey. Our team is dedicated to helping our clients achieve their financial goals.

      Profile pic of the author.
      Staff

      Reviewed Nov. 7, 2025

      The Credit Pros really came through for me. They helped clean up my credit after a timeshare issue with my ex-husband and guided me every step of the way. As someone active in the military, they made the process simple and stress-free so I could focus on my duties. Highly recommend — they truly care and deliver results! 🇺🇸

      Thanks for your vote!
      The Credit Pros
      Response from The Credit Pros

      Thank you so much for sharing your experience and for your service! We’re truly honored to have earned your trust and to know our team could support you through that situation. Our goal is always to make the process smooth and effective — especially for those who serve our country. We wish you continued success and are always here if you need us again!

      Customer ServiceSales & MarketingRefunds & Payouts

      Reviewed Nov. 6, 2025

      I have been with Credit Pros for almost 2 years. Every time I've reached out to them saying why is my credit score not getting improved I get a woman named Tori who is just customer service. She has refused to escalate this to the management team. She refuses to let me go beyond her scope and her pay grade which tells me very clearly she doesn't want her upper management to know the truth. They have made a lot of promises. As far as I'm concerned there are sales organization. They suck your money every single month. They have ripped my husband and I off severely thinking telling me you need a line of credit, you don't have positive credit. I have no other bills except the original ones. I have a very small file on the three credit bureaus. They have done very little for me and I've told them if they don't refund my money then I'm going to join the class action suit there's been several and there's an open one now.

      I encourage anyone who has been ripped off by credit pro to look on the internet and see there are at least two class action suits that are open right now against credit pros. I am definitely joining one of them and I'm very encouraged to right now go to the State of Florida as well as new stations against this company. They need to be exposed for the sales organization that they really are. They do not deliver what they promise

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      Reviewed Oct. 30, 2025

      Was explained and good answering the questions. I understand..and you all do a good job. Good to know what’s going on and reasons for each creditor to be disputed and how to keep the cards dn low … Thank you. Patricia **

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      The Credit Pros
      Response from The Credit Pros

      Thank you, Patricia! We’re so glad to hear that everything was clearly explained and that you found the information helpful. We appreciate your kind words and are happy to have you as part of our program!

      Reviewed Oct. 29, 2025

      This company is a total ripoff, I knew I didn’t have anything on my credit, 2 credit cards, both fairly knew, no money owed on either card, the guy even told me, there wasn’t a lot they could do for me except challenge that bill, so he said one time fee for the one bill, I was & am working on credit, I don’t make enough to pay a $149.00 a month even if my credit were bad. But trying to get ahold of someone to resolve absolute nightmare!!!! If you do businesses with them!! WATCH YOUR BANK ACCOUNT!!!!

      Thanks for your vote!
      The Credit Pros
      Response from The Credit Pros

      Thank you for sharing your experience. We're really sorry to hear about the frustration you've had. This is definitely not the experience we want anyone to have. Please contact at 973-233-4388 with your full name, email address and phone number on the account so we can resolve this matter for you.

      Profile pic of the author.
      MaintenanceStaffProcess

      Reviewed Oct. 3, 2025

      Demetrius explained the program and how it worked as well as appropriately setting the expectations. I love that not only do they help with fixing the past but advise for the future as well. It’s not just repair but understanding how to optimize leveraging credit for a better future

      Thanks for your vote!
      The Credit Pros
      Response from The Credit Pros

      Thank you so much for your thoughtful review! We're thrilled to know that we were able to provide clear guidance and help set realistic expectations. It's great to know you value our focus on both repairing credit and building a stronger financial future. We're here to support you every step of the way!

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      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