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.
- 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
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- 4,628,533 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 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.
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.
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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.
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!
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!!
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!
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.
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.
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.
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.
Reviewed March 14, 2025
Great program. Offers a great credit line as well. Would definitely recommend. Good customer service. Easy to contact. App is easy to use. My score has gone up a little while with this credit company.
Thank you for your wonderful feedback! We're thrilled to hear that you're enjoying our program and seeing positive results.
Reviewed March 12, 2025
Great and affordable company that helps you figure out your credit and how to fix it, and manage it a lot better. Would definitely recommend to anybody struggling to get a loan from bad credit. Also they have a nice feature that acts like credit line to make purchases.
Thank you so much for your kind words! We're thrilled to hear that you found our services helpful in managing and improving your credit. We are here to support you on your credit journey!
Reviewed Feb. 28, 2025
Has been great in repairing my credit along with outstanding customer service. You can really see a difference on your credit report by working with the great people of The Credit pros. Truly could not be more happy.
Thank you so much for your kind words! We’re thrilled to hear that you’ve had a positive experience with us and that our team has been able to assist you in repairing your credit. Your satisfaction is our top priority, and it’s wonderful to know that you’re seeing tangible improvements in your credit report. If you have any further questions or need additional support, please don’t hesitate to reach out. We’re here to help you every step of the way!
Reviewed Feb. 28, 2025
The Credit Pros started fixing my credit reports on day one! Well worth the money spent! Soon I will be on my way to owning my own home thanks to their professionalism! Thank you Credit Pros!! You're completely Awesome! I highly recommend this company to everyone!
Thank you so much for your kind words and for taking the time to share your experience with us! We are thrilled to hear that our team was able to assist you from day one and that you feel confident about your journey to homeownership. Your satisfaction is our top priority. If you have any further questions or need assistance, please don’t hesitate to reach out.
Reviewed Feb. 25, 2025
I was excited to know that The Credit Pros are going to help me fixing my credit report and help building my credit. Credit Pros have awesome customer service and very patient with you. Very knowledgeable.
Thank you for your kind words! We’re thrilled to hear that you're excited about working with The Credit Pros. We appreciate your trust and look forward to helping you achieve your goals!
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
