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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- 4,837,885 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 Nov. 7, 2025
The Credit Pros really came through for me. They helped clean up my credit after a timeshare issue with my ex-husband and guided me every step of the way. As someone active in the military, they made the process simple and stress-free so I could focus on my duties. Highly recommend — they truly care and deliver results! 🇺🇸
Thank you so much for sharing your experience and for your service! We’re truly honored to have earned your trust and to know our team could support you through that situation. Our goal is always to make the process smooth and effective — especially for those who serve our country. We wish you continued success and are always here if you need us again!
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Reviewed Oct. 22, 2025
I'm having credit issues. I was creating an account with Experian Bureau. The link with experian, directed me to the Credit Pros. I called the number. The agent that answered the phone was Mr. **, I think that's how you spell his last name. He was very informative. He was also patient and, understanding. He took the time! To explain everything to me. He also made sure that I had a good understanding. I could have done the work myself. I did start some of the process on my own. Upon talking to the agent. I began to feel more comfortable about it. They are taking care of all three bureaus altogether. So, that was less stress for me. And, I was stressful!! I feel pretty confident that they are going to do what they said. They also offered me a letter of evidence that they are handling my situation for proof of renting. That's until everything is finalized. They said they will handle it. And I believe they will. So, we will see 👀.
Thank you for sharing your experience! We’re glad our team could make the process clear and reduce stress for you. If you need anything else, we’re here to help!
Reviewed Sept. 23, 2025
I am now highly proud to be a part of this company called "Credit Pros." They have shown me a way out... Much better way of getting those heavy tons of stones off my shoulder... While enjoying their services & my life at the same time! Plus... it's for as little as nothing to do it! Have been looking for months almost a year for company such as them to come to my aid! Thank you, Credit Pros! I will highly recommend as well promote your company!
Thank you so much for your amazing review! We're truly honored to have played a part in your journey and are thrilled to hear how much lighter things feel for you now. Your recommendation and support mean everything to us. Welcome to The Credit Pros family — we’re so glad to have you with 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.
Reviewed March 25, 2025
I appreciate how quickly Credit Pro dives into the details of my account. Immediately sending out dispute letters on my behalf. I am looking forward to every hurdle we accomplish and cannot wait to see my score continue to grow. Thank you Credit Pro. I recommend your company to everyone I know.
Thank you for your kind words! We're thrilled to hear that you're satisfied with our prompt service and support. Your trust and recommendations mean a lot to us. We're committed to helping you achieve your goals and improve your credit score.
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. 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.
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
