The Credit Pros Reviews
- We require contact information to ensure our reviewers are real.
- Our moderators read all reviews to verify quality and helpfulness.
- We use intelligent software that helps us maintain the integrity of reviews.
+1 more
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.
- 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
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
Filter by Rating
- (151)
- (6)
- (3)
- (6)
- (20)
Popular Mentions
- 4,879,673 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.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,879,673 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.
Reviewed April 28, 2026
I believed their suggestions initially. But then, without my approval, they took the initiative to withdrawal 40.00 from my bank account. THEN, wanted me to extend an extra 6 mos. to payment plan.
Thank you for taking the time to share your feedback. We’re sorry to hear that your experience did not meet your expectations. As outlined in the electronic service agreement you signed, our month‑to‑month service is billed automatically. We’d be happy to review your account and address any concerns—please contact our support team so we can assist you further.
As per your request, your account has canceled. A confirmation has been sent to your email.
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Reviewed April 8, 2026
I joined April 8, 2026. It was a very easy process and all of my queries were answered properly and concisely.
Thank you for the great feedback! We’re glad to hear the process was easy and that all of your questions were answered clearly. We're here to support you every step of the way!
Original Review: March 14, 2026
This has been the worst experience. I not only paid the initial 149 but tried to cancel 9 days later and got charged more to cancel when I was told I could cancel at anytime. What a joke. Keep looking. This is a scam.
We’re sorry to hear about your experience—this isn’t the impression we want to leave. We understand how frustrating unexpected charges can be, especially if you believed you could cancel anytime. Our goal is transparency, and we regret any confusion. Please contact our support team so we can review your account, clarify what happened, and work toward a resolution.
Reviewed Feb. 28, 2026
This is a Scam, don't convince yourself that it will work for you they tried to charge me $300 for 30 days of my account being active, told me they sent letters, that I can't see or access to know if they've actually sent them. Go on YouTube and figure out how to fix your credit for free yourself.
Thank you for sharing your feedback. We’re sorry to hear about your frustration and understand how concerning unexpected charges can be. Transparency is important to us, and clients can access their dashboard to track progress, disputes, and letters sent on their behalf. Our team is also available to review your account and clarify any charges. Please contact our support team so we can assist you and work toward a resolution.
Reviewed Feb. 28, 2026
This company is a scam. No such thing as having someone repairing your credit, hard inquiries take a bit to rebuild which can only be done personally with proper credit card usage and more. I would never advise to sign up with Credit Pros. It's a waste of money and a ripoff, nothing changes. They roped me into a scam when they said $149 a month. First you have to pay a sign up fee for $149 (which wasn't mentioned) then next month on billing date they will charge you again. I would never ever sign up for these so called Credit Pros.
Thank you for sharing your feedback. We’re sorry to hear that your experience did not meet expectations and understand how frustrating that can be. At The Credit Pros, we strive to be transparent about our enrollment and monthly service fees while providing tools and guidance to help clients improve their credit over time. We take concerns seriously and would welcome the opportunity to review your account and address any questions. Please contact our support team so we can assist you further.
Reviewed Feb. 25, 2026
Jase **, the credit advisor I worked with today, was patient, knowledgeable, and kind. He answered my many questions, walked me through the contract, how the program works, and how to use the customer portal. My credit action plan makes good financial sense; I'm looking forward to strengthening my credit to be in the best shape before a home purchase. I found The Credit Pros through the Sure Path home buyers program. I also found the Customer Care staff to be patient, professional, and genuinely caring.
Thank you for sharing your experience! We’re glad to hear that Jase was patient, knowledgeable, and took the time to walk you through the contract, program, and customer portal. It’s great that your credit action plan makes financial sense as you prepare for a future home purchase. We also appreciate your kind words about our Customer Care team. We’re excited to support you on your journey to stronger credit and homeownership.
Reviewed Feb. 4, 2026
I was told that there was a money back guarantee. I have not even had them helping me for a month more like a week, and they refuse to give me my money back. I am not happy with them at all. I paid $149 then the next day they attempted to take another $149 out of my checking account again! And everyone I talk to acts like they can not understand what I am trying to say. They will not cancel my so called “membership“ and are making me stay enrolled!?! I’m going to make some calls to my attorney and see what I can do about this scamming company….PLEASE DO NOT FALL FOR THE FAST TALKING SALES PITCH. IT IS A LIE!!!!
Thank you for bringing your concerns to our attention. We sincerely apologize for any frustration this situation may have caused. We also appreciate the opportunity to speak with you on the phone and work toward a resolution. We’re glad we were able to address your concerns and provide clarification regarding your account. If you need any further assistance, please feel free to reach out to our support team.
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.
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.
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
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.
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.
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.
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
