The Credit Pros

The Credit Pros Reviews

The Credit Pros Reviews
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Overall Rating
4.8 out of 5
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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.

Pros & Cons


  • 90-day money-back guarantee
  • Free consultation
  • Bilingual service


  • 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.

Featured Reviews

Cape Coral, FL

“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

“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

Reviewed Dec. 5, 2023

I referred a friend who was unable to erase, but I was not aware of the numerous warranties offered by The Credit Pros. After almost three months as a member, she got in touch with them and was offered the choice to either stay or get her money back. I thought it was great that she wouldn't be in risk if nothing happened. I was hesitant to recommend someone because I thought if they had a bad experience, they would always blame me for recommending them. With me, this company has always acted professionally. That being said, I would consult it once more.

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    Reviewed Oct. 28, 2023

    I'm writing this review because, after seeing an old neighbor of mine at Home Depot, I decided to take a chance and trust The Credit Pros. He told me that he'd just moved into a new house, and that his mortgage payment was less than the rent on his rental unit. I was jealous because I had the same wish. I enrolled in The Credit Pros two weeks ago after Louis gave me the details. I'm excited to see my initial outcomes. Already, their service has satisfied me.

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    Reviewed Oct. 11, 2023

    My experience with Credit Pros has been great thus far. My advisor, Jalisa, urged me to express how happy I was with the service. My advisor at The Credit Pros is wonderful and is very happy with me. She has been guiding me in the right direction, and because my credit scores with Equifax and TransUnion have risen by 94 points, I trust what she says. I was seeing things that I couldn't believe. I am rather happy with my credit and don't feel as ashamed as I did just six months ago.

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    Reviewed 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!

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    Reviewed 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!

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    Customer Service

    Reviewed Nov. 27, 2023

    They answered the phone and all my questions to help me through the process of Repairing my credit. After signing up for the service they called me to see if anything else was needed or any other issues that needed addressed.

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    Reviewed Nov. 20, 2023

    Used a few credit repair services and nothing comes close to The Credit Pros! Ease of use, professional, thoroughly knowledgeable, and offers a multitude of other services that can get you on track. Thanks!!!!

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    Customer ServiceSales & Marketing

    Reviewed Nov. 16, 2023

    So I recently contacted a service that helps first time homebuyers with less than stellar credit. The first step was them connecting you to a credit specialist. I spoke with Ryan and advised I know how to raise my score and it's almost where it needs to be. It's just not there yet. Even though I advised it was already in the works Ryan became overbearingly aggressive and went so far as to challenge me on my techniques. Sales without customer service is a tacky tactic. It immediately turned me off of the service and I advised I would not be a good candidate for their services.

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    Reviewed Nov. 9, 2023

    When I bought in they told me upfront that it takes a minimum of 3 months to get it going. And it started on the second month. People have to understand that it's not a wand that they wave around to fix everything. It takes time. Also they send the letters which is a plus.

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    Reviewed Oct. 27, 2023

    I'm glad I joined their program since The Credit Pros are incredibly competent and have treated my wife and me with the utmost respect. I am grateful to have joined their program. I am very pleased. THANK YOU VERY MUCH.

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    The Credit Pros Company Information

    Company Name:
    The Credit Pros
    Company Type:
    Year Founded:
    60 Park Place Suite 200
    Postal Code:
    United States