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...

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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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    Page 1 Reviews 0 - 5
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    Customer ServiceStaff

    Reviewed June 13, 2025

    I have been frustrated for what seems forever, and saw no hope to be treated like the good person that I am. My whole identity became wrapped up in a number known as my "credit score". I didn't need credit for over 20 years, because I married a wealthy man (my first husband). My second husband was irresponsible with money, and he and I both made mistakes. Life took over, as it tends to do, and yada yada; blah blah; trauma, illness etc. Now, for the first time since my life became the property of others; (mostly individuals in positions of authority, who are the least equipped to handle it), I see a glimmer of hope that I will get my life back, and maybe someone will trust and respect me again. I believe that THE CREDIT PROS not only have the tools to help me improve my credit score, but actually care about giving me a better future!

    I stumbled on to them one day, and called. God was watching out for me. Only He knew the number of tears I shed praying over this dilemma. He led me to the best answer, and Chiloe, who He has chosen to be the vessel He performs my miracle through. Thank You! Someday soon I will have my own home, and a garden where I can grow my own flowers, where no one will dig them up, or let their dog shit on them, like they did when I tried to brighten up the alley next to the dumpster at my downtown apartment. If I am lucky enough to have grandchildren some day, they may visit me at my safe residence. My children would not bring their babies to my unsafe neighborhood, and I wouldn't ask them to. But the fear of not holding them on my lap keeps me up at night sobbing. THE CREDIT PROS are going to change things for me. This I know.

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    The Credit Pros
    Response from The Credit Pros

    Thank you for your kind words! We're so glad to hear you had a great experience with our service and team. We're always here to help with your credit needs!

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      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.

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      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.

      PriceStaff

      Reviewed Oct. 3, 2024

      At first, I was worried about using their services because of the cost, but the money-back guarantee gave me confidence. They only charge the rest of the balance after finishing the job, which is a big plus. A coworker had a great experience with them, so I decided to give them a try too. The reviews looked legit, and the BBB ratings were pretty good. I'm really happy with the work they did and highly recommend them.

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      The Credit Pros
      Response from The Credit Pros

      Brian 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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      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. 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!

      Price

      Reviewed June 11, 2025

      I found this company to be very affordable, fair and prompt. They offer two options that are very good and within reach to solve any issue. The essence of the program is very fast, to the point and inexpensive.

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      The Credit Pros
      Response from The Credit Pros

      Thank you for your great feedback! We're glad to hear you found our services affordable, fair, and efficient. We're here to help every step of the way!

      Customer ServiceStaff

      Reviewed June 10, 2025

      Demetrius was very professional and gave me detailed information on my first contact with Credit Pros. I know I’m off to a good start. He advices me on what exactly to do by following the emails and any questions I should reach to him or his teams.

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

      Thank you so much for your kind words! We're thrilled to hear that Demetrius made a great first impression and provided the guidance you needed. We're excited to be part of your credit journey—don’t hesitate to reach out if you have any questions along the way!

      Customer Service

      Reviewed June 4, 2025

      Signed up 2 months ago and nothing positive has happened.. I got more things removed on my own than they have done.. More interested in inquiries than the few negative items they should be working on... After canceling still charged my card 149. We called refused to refund the card... so now have to fight them and cancel my credit card..

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      The Credit Pros
      Response from The Credit Pros

      Thank you for your feedback. We’re committed to helping every client, not just with inquiries, but also by disputing any inaccurate, outdated, or unverifiable items you point out.

      On 5/28/25, we reduced your balance from $149 to $74.50, with your agreement to pay by 6/4/25. Due to an internal error, the full $149 was charged at 1:07 PM, before your cancel request at 6:34 PM EST. We’ve since refunded $74.50 to honor the original arrangement. Thanks again for your patience and understanding!

      Customer ServiceStaff

      Reviewed May 29, 2025

      Taking all of the anxiety and worry out of getting my credit in order is so amazing. The Credit Pros are user friendly, thorough, and the customer service is great! This service is one everyone with low credit should use.

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

      Thank you so much for your kind words! We're thrilled to hear that we could make the credit repair process stress-free and that our team and service met your expectations. Helping people rebuild their credit is what we’re all about!

      Customer ServiceStaff

      Reviewed April 26, 2025

      Awesome customer service and support. They make credit more understandable and interesting. They have help me and my family improve our credit scores and learn valuable money management skills. I am very grateful for their help and expertise. I recommend them to anyone looking to repair their credit.

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

      Thank you for your kind words! We’re thrilled to hear that our team has made a positive impact on your credit journey. Helping you and your family improve your credit scores and financial knowledge is our top priority. We appreciate your recommendation and look forward to supporting you further!

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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