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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- 4,659,245 reviews on ConsumerAffairs are verified.
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- 4,659,245 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 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.
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!
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 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.
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!
Reviewed April 26, 2025
Khojika wAs very helpful and understanding and they have gotten all my negative items off my credit report and I have my life back again. Credit Pros is the best! The credits pros is very caring and helpful.
Thank you for your wonderful feedback! We're thrilled to hear that Khojika and The Credit Pros team were able to assist you effectively and help improve your credit report.
Reviewed April 18, 2025
This is a terrible company. They will take your money and make you promises and then deliver absolutely nothing. Then, as a bonus, after you’ve terminated your contract, they will continue to bill you and tell you they have no record of you terminating the contract. If this all sounds great to you, then you have found your match.
Thank you for your feedback. We’re sorry to hear about your experience. Our records show no cancellation request prior to April 18, 2025. Your billing date was the 17th, and no charges were made after cancellation. We attempted to reach you by phone and email without success. For further assistance, please contact us at (973) 233-4388.
Reviewed April 7, 2025
They're a wonderful company that helped me with my credit repair issues. Their customer service was polite, and easy to work with. They handled everything in a timely manner. Their website is great to use. Very detailed and on point. I'd recommend The Credit Pros to help with your credit needs.
Thank you for your positive feedback! We're thrilled to hear that you had a wonderful experience with our credit repair services and appreciated our customer service. Your recommendation means a lot to 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.
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.
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
