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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    Page 1 Reviews 0 - 5
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    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!

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      Customer ServiceStaffFollow-Through

      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!

      Customer Service

      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!

      Thanks for your vote!
      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!

      Reviewed April 6, 2025

      Originally, when I started my credit score was very low and I had negative history on my credit. But as soon as I joined The Credit Pros between 4 to 6 months, my credit score started coming up and most of the negative history on my files are being cleared out. Thanks to the credit pros.

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

      Thank you for sharing your positive experience with The Credit Pros! We’re thrilled to hear that your credit score has improved significantly and that negative items are being addressed. We appreciate your trust in us.

      Punctuality & Speed

      Reviewed March 25, 2025

      I appreciate how quickly Credit Pro dives into the details of my account. Immediately sending out dispute letters on my behalf. I am looking forward to every hurdle we accomplish and cannot wait to see my score continue to grow. Thank you Credit Pro. I recommend your company to everyone I know.

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

      Thank you for your kind words! We're thrilled to hear that you're satisfied with our prompt service and support. Your trust and recommendations mean a lot to us. We're committed to helping you achieve your goals and improve your credit score.

      Customer ServiceRefunds & PayoutsStaffTimeliness

      Reviewed Jan. 23, 2026

      Scammers. I was a customer for about a year before deciding to cancel my account. My credit score has barely moved and I was ready to opt out of the service. The customer service representative gave me an extremely hard time canceling my account and demanded that I at least pay a fee of $32 to cancel. When I didn’t pay the $32 Credit pros withdrew $149 out of my account the next day. And then proceeded to send me a cancellation email after they withdrew the money out of my account. I repeatedly called and asked for a refund. Their team has gaslit me and refused to cooperate.

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      The Credit Pros
      Response from The Credit Pros

      Thank you for sharing your concerns. We're sorry to hear that our service did not meet your needs. We were not able to locate your account with the information from your review. Please call us at 973-233-4388 so we can review this matter for you.

      Customer ServiceStaff

      Reviewed Dec. 22, 2025

      I just joined this firm for some very serious issues that I’m having. I would really like to believe that this firm or Company can really stand by what they are saying how they can be a help to me… Please email me some issues that I can request to be mentioned or that I should just end my membership now. Melvin **. 12/22/2025 1:04pm est

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

      Hi Melvin,

      Thank you for sharing your concerns. We understand how important it is to feel confident when addressing serious credit matters. We attempted to reach you by phone and email but were unsuccessful. Please contact us at 973-233-4388 or support@thecreditpros.com so we can review your situation and address any questions. Your success is important to us, and we’re here to help.

      Staff

      Reviewed Dec. 6, 2025

      I am very pleated with The Credit Pros. Each time I have spoken with a member of the Credit Pros team they have been very personable, professional and bring results. The service on my credit reports has been timely and successful.

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

      Thank you for taking the time to share your experience. We’re pleased to know our team has consistently provided professional support and delivered successful, timely results on your credit reports. We appreciate your trust in The Credit Pros.

      Customer ServiceBillingRates

      Reviewed Nov. 12, 2025

      I was with them for a few months. I at first was interested in the rent to own properties. Long story short moved without them. Now I'm paying 149.00 a month for so called credit repair. I make a couple payments no change to my credit. My score going in was 640. I tell them I can't afford it. Now after leaving my score dropped to 560. I can't believe it! I don't know what they did. Never deal with these people. I have more. I'll put it in another review.

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

      Thank you for your feedback Tempey. We understand how important your credit health is and appreciate the opportunity to clarify. As discussed, the recent 60-day late payment reported on 11/7/25 impacted your score, as payment history makes up a significant portion of credit scoring. If you have any questions or need further assistance, please don’t hesitate to reach out to us at 973-233-4388. We’re here to help!

      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

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

      Thank you for sharing your feedback, Adrienne. We sincerely apologize for your experience and appreciate the opportunity to work with you toward a resolution. Thank you for your time, patience, and cooperation throughout this process. If you have any additional questions or require further assistance, please do not hesitate to contact our Client Services Team at 973-233-4388. We’re always here to help.

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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