The Credit Pros

The Credit Pros Reviews

The Credit Pros Reviews
4.8(125)
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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 & Cons

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

Verified
Cape Coral, FL

“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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Verified
Bloomfield, NJ

“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...

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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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    • Our moderators read all reviews to verify quality and helpfulness.
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    Verified purchase
    PriceStaff

    Reviewed Sept. 29, 2024

    I'm what most people would call "financially illiterate". I was having a hard time understanding my credit report and what I needed to do to get it back on the positive side. The Credit Pros helped me find things that I didn't know about that was affecting my credit score. The first few days of signing up I was getting positive results and things removed from my report. They really do what they promise and I recommend everyone to try them just once! You will not be disappointed!!! The price for their service is very reasonable for all the results they provide. They also provide other financial services and are very prompt when getting you the answers you're looking for!!

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    The Credit Pros
    Response from The Credit Pros

    William, thank you for your fantastic feedback! We're thrilled to hear that our team made a positive impact on your credit journey. Your recommendation means a lot to us, and we’re here to support you with any financial services you need in the future. We appreciate you choosing The Credit Pros!

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      Staff

      Reviewed Sept. 21, 2024

      Navigating the complexities of credit repair while managing long-standing debt can be quite a challenge. I reviewed their detailed video content and initially engaged with their DIY kit. However, as a Kansas-based driver with a demanding schedule, this approach proved challenging. Despite consistent bill payments, an earlier financial mistake significantly impacted my credit. With their professional assistance, I have observed substantial progress in my credit score and anticipate a brighter future.

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      The Credit Pros
      Response from The Credit Pros

      Thank you for sharing your experience, Anonymous! We’re thrilled to hear you found our support valuable and that you’ve achieved positive outcomes. Your trust means a lot to us, and we’re here to continue helping you on your journey!

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      Staff

      Reviewed Sept. 18, 2024

      Encouraged by a representative to provide my sincere feedback, I am pleased to report my satisfaction with The Credit Pros. My credit score has shown considerable improvement, and each interaction with their representatives has been informative. They provide additional advice and tips not covered in their online resources. The effective service I’ve received is a testament to the quality of training and management provided to their staff.

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      The Credit Pros
      Response from The Credit Pros

      Thank you, for your fantastic feedback! We're thrilled to hear that you found our services helpful and that your experience has been so positive. Your success is our priority, and we're glad to have been part of your journey. Looking forward to your continued growth with us!

      Customer ServiceStaff

      Reviewed May 15, 2024

      From the start to completion of the application, the representative was efficient and knowledgeable. She made me feel very comfortable and she was able to answer all questions and then also give her own personal experiences. My decision for signing up for The Credit Pros was the best decision ever. The resources provided was very helpful and my credit score went up 5 points in a matter of a day.

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      The Credit Pros
      Response from The Credit Pros

      Hello Dawn, thank you so much for sharing your positive experience with us! We're thrilled to hear that our team was able to provide you with the friendly and informative service you deserve. We truly appreciate your recommendation and look forward to serving you, your friends, and family in the future.

      Customer Service

      Reviewed April 4, 2024

      I am old but the kids are quite amazed that I still read reviews from here to decide if I want to work with a brand or company. I don't know if that's a compliment or an insult to call that I am old but I still trust what people say in here! So when I wanted to work with a credit repair company, I searched and found The Credit Pros. I looked them up here and made sure they weren't trying to trip me, and so I was able to make my own decision and called them and gave them a try. I just sometimes wish that I've known better about how important my credit repair was years ago, and currently, I'm satisfied with my progress and I appreciate the value of everyone's work in improving my credit score.

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      Response from The Credit Pros

      Asa, thank you for sharing your positive experience with The Credit Pros! We're thrilled to hear that our team has been helpful and informative. We appreciate your feedback and are glad to hear that you're seeing positive results. We'll be sure to pass on your kudos to our training team.

      Staff

      Reviewed Nov. 4, 2024

      Nicole from The Credit Pros was amazing and so very helpful, I just recently signed up and already they have started to send letters out to the creditors. I am Excited to know that I can rebuild my credit by removing items from my credit score.

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      Reviewed Nov. 2, 2024

      Been trying to find a rent-to-own home, but the process is exhausting! Credit Pros really came through and got me linked with Divvy Homes. My Experian score helped me get approved! Waiting till after school’s out to make the move so my daughters don’t have to transfer mid-year.

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      Customer ServiceStaff

      Reviewed Nov. 1, 2024

      Credit Pros had letters sent to the credit bureaus within a day after I enrolled. I truly think they will be able to help me. Within a week I had a representative call me to make sure I was following my progress.

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      Reviewed Oct. 31, 2024

      I’m a new client and been with Credit Pro for 2 months now. Happy to say the experience has been good. All those bad reviews seem like people want instant miracles. I get it, my credit wasn’t great 'cause I’d missed some payments due to my work hours bein’ cut. Credit Pro explained how collections work and gave advice, which I followed. Already seen some positive changes in my credit score. Do your own research before taking negative reviews seriously, 'cause they actually care about their clients.

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      Staff

      Reviewed Oct. 28, 2024

      So, at the end of 2023, my wife and I went for their family plan because we wanted to buy a home by the end of this year. My wife’s had more success with her credit improvements than I have, but that’s okay. I didn’t have as many problems on my report, so I’m not too worried. I’m looking forward to seeing how things go in the next few months. The Credit Pros team has been awesome so far, and I’ll share an update once we’re further along!

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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