The Credit Pros Reviews
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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
- 90-day money-back guarantee
- Free consultation
- Bilingual service
- Expensive plans
- Must mail/fax reports
- Only one monthly dispute with the smaller package
Featured Reviews
“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.
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- 4,532,953 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.
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