The Credit Pros

The Credit Pros

 4.3/5 (49 reviews)
The Credit Pros
4.3(49)
Author picture
Written by
Author picture
Edited by

Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Overall Rating4.3 out of 5
See all 49 reviews

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 & Cons

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

Bottom Line

For those seeking to repair prior damage to their credit history, The Credit Pros offers three different plans to help. It offers a free consultation in English or Spanish and a 90-day guarantee.

Top The Credit Pros Reviews

Verified

“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 ...

Read full review
Verified

“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...

Read full review

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

Top reviews
  • Top reviews
  • Recent
  • Oldest
  • Most helpful
Any
  • Any

A link has directed you to this review. Its location on this page may change next time you visit.

How do I know I can trust these reviews about The Credit Pros?
  • 4,243,660 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.
Page 1 Reviews 0 - 5
Verified Reviewer
Original review: May 4, 2023

I am so grateful for this credit repair service. They were able to remove several negative items from my credit report and improve my score. The team was professional, efficient, and effective. They kept me informed throughout the entire process and made me feel confident in their abilities. Thanks to their hard work, I was able to qualify for a credit card with a low interest rate. I would recommend this service to anyone looking to improve their credit!

Be the first one to find this review helpful

Not sure how to choose?

Get buying tips about Credit Repair Companies delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Verified Reviewer
    Original review: May 4, 2023

    I had a fantastic experience with this credit repair service. The team was knowledgeable, patient, and understanding. They took the time to explain the process to me and were always available to address my concerns. Thanks to their efforts, my credit score has improved significantly. I would recommend this service to anyone looking to improve their credit and financial well-being!

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: May 3, 2023

    I cannot express how grateful I am for this credit repair service. They were able to remove several inaccurate items from my credit report that were negatively impacting my score. The team was professional, efficient, and compassionate. They truly cared about my financial well-being and went above and beyond to ensure my success. Thanks to their hard work, I was able to secure a mortgage with a competitive interest rate. I would recommend this service to anyone looking to improve their credit!

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: April 21, 2023

    The Credit Pros are an amazing company. They do great work repairing people's credit. They are very nice people who understand and listen to your needs. Thanks to them my family and I might actually be able to eventually obtain a loan to get our own place going. Thank you Credit Pros!

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: March 30, 2023

    I cannot recommend this credit repair service enough! The team was knowledgeable, responsive, and most importantly, effective. They were able to remove several negative items from my credit report and improve my overall score. Thanks to their hard work, I was able to secure a loan with favorable terms. I am so grateful for their help!

    Be the first one to find this review helpful
    profile pic of the author
    Verified Reviewer
    Original review: May 20, 2023

    Never new it exist, great to pick them up to help me deal with my credit score which I have no clue that is why I've been rejected all along my application. I am thrilled to have something like this to walk us through unfamiliar territory like this.

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: April 17, 2023

    This company is it really wonderful. They're helping me get my credit back in line. They are always there to take my calls and my questions. Very knowledgeable, very kind of considerate. I would recommend this company for everybody.

    Be the first one to find this review helpful
    profile pic of the author
    Verified Reviewer
    Original review: March 27, 2023

    I call TCP my stress relief program. Took a lot of pressure off my wife and I boy do I feel good. Weeee. I on my way to better living. I thought I would get my credit back in control. I would highly recommend.

    Be the first one to find this review helpful
    profile pic of the author
    Verified Reviewer
    Original review: March 26, 2023

    Within the first few weeks my credit score has risen 30+ points. It is well worth it and would recommend to everyone who is having credit card debt that you can't work through on your own. I am very satisfied so far.

    2 people found this review helpful
    Verified Reviewer
    Original review: March 12, 2023

    I signed on with The Credit Pros and within a couple of short weeks, there were more than 6 disputes that were showing up on my credit reports. They keep you informed through their easy to use app. I would recommend anyone needing help to hire The Credit Pros.

    Be the first one to find this review helpful
    Loading more reviews...

    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