April 25, 2024

The Credit Pros Review

Read more about The Credit Pros
Ad Disclosure: This article contains references to products from our partners. We may receive compensation if you apply or shop through links in our content. This compensation may impact how and where products appear on this site. You help support CreditDonkey by using our links. (read more)

Credit woes? Discover if The Credit Pros can truly turn your scores around and pave your way to financial freedom—all through this detailed review.

5-point scale (the higher, the better)

Pros and Cons

  • Unlimited disputes
  • Credit monitoring features
  • $5000 tradeline
  • Expensive plans
  • Pricey first work fees
  • Guarantee terms and conditions

Bottom Line

Credit repair company that works with specialists but charges the highest fees

The Credit Pros has been in the industry for more than a decade. It can help you repair and build your credit over time.

That said, its monthly fee is more expensive compared to other credit repair companies. And its first work fees—the initial fees you have to pay for—are just as expensive.

So the question is, is The Credit Pros worth trying out? Keep reading to find out.

What is The Credit Pros?

The Credit Pros is a credit repair company established in 2009 and is ranked as one of the fastest-growing companies in America (by Inc. Magazine). It has helped over 1 million clients since it started.

If you apply for an account, experienced attorneys and trained specialists will work with you to help build and repair your credit. In fact, one of the company's founders, Jason Kaplan, is an attorney with over 15 years of experience in the credit repair industry.

These professionals will challenge and communicate with the credit bureaus to remove the inaccurate items from your credit report. Over time, this can help improve your credit.

Did you know?
The Credit Pros is a member of NACSO (National Association of Credit Services Organizations). It's a trade association that advocates for the best practices and ethical standards of the credit repair industry.

Who is it best for?

The Credit Pros is ideal if you have the budget for an expensive service that includes credit repair and credit building. The highest plan costs $149/month, which is more expensive than the highest plan of other credit repair companies.

In addition, you get a $5,000 tradeline you can use to shop in National Credit Direct. It's a good option if you're into online shopping. You can improve your payment history by paying for your purchases on time.

Having said all this, in the next section, you'll find reasons why it may not be worth it.

Read our list of most experienced companies that have removed millions of negative items for its clients.

How did you find your past experiences with credit repair companies?

Who should skip it?

The Credit Pros may not be the best option if you have just a few negative items for dispute. Using a cheaper credit builder can add on-time payments to your credit history for a fraction of the cost.

In addition, it's better to look for a different credit repair company if you live in ME, KS, MN, and OR. The Credit Pros is not available in these locations.

Pros and Cons


  • Solid track record (15 years of experience)
  • 90-day money-back guarantee
  • Work with lawyers and certified specialists
  • Unlimited disputes
  • Credit building features
  • Free credit monitoring
  • ID theft protection and insurance
  • Cancel anytime with no fees
  • iOS app available


  • Most expensive credit repair service
  • Pricey first work fees
  • Limited credit building features
  • Guarantee comes with a lot of terms and conditions
  • Not BBB-accredited
  • Fewer reviews and ratings despite business longevity

Regardless of the cons, however, does the credit builder actually work? Scroll down for the answer to that.

What's your top concern with credit repair services?

Do The Credit Pros Work?

Yes, The Credit Pros works and can be effective. The Credit Pros will analyze your credit reports and list down negative items dragging down your credit. Then the credit specialists will send dispute letters to the respective credit bureaus.

In addition, The Credit Pros offers a credit builder program, where the company can report your account payments to Equifax, Experian, and TransUnion. This lets you add positive transactions that can build your payment history.

Here's how much you need to shell out.

How much does The Credit Pros cost?

The Credit Pros cost $69–$149 monthly. But you need to pay the first work fee, which is around $119–$149, at the start of your subscription. Plans include Money Management, Prosperity, and Success Plus. [1]

Price (per month)$149$129$69
First work fee$149$129$119
Credit bureau challengesEquifax, Experian, and TransUnionEquifax, Experian, and TransUnion
Credit reports and credit scoresEquifax, Experian, and TransUnionTransUnion onlyTransUnion only
Creditor interventions
Cease & Desist Letters
Letters of reference
Credit builder loan ($5,000 tradeline)

Here's how you can choose a plan:

  • Choose the Success Plus plan if:
    You want to opt for a credit builder loan. This can help you rebuild your credit and add more positive transactions to your credit history.

  • Choose the Prosperity plan if:
    You prefer to focus on disputing negative items on your credit reports. The Credit Pros offers unlimited disputes in its credit repair plans.

  • Choose the Money Management plan if:
    Monitoring your credit is your priority over aggressive credit repair. It lets you track your credit and offers minimal credit bureau disputes.

If any of your disputed items aren't removed, The Credit Pros will dispute them again with no extra charge.

Here's a more detailed explanation of what you're going to get from each plan.

The Credit Pros Features

Note that only the Success Plus plan offers all the features. That said, knowing what these features actually mean can help you decide which plan is essential for your needs.

  • Credit bureau challenges
    The Credit Pros challenges and sends dispute letters to the main credit bureaus: Equifax, Experian, and TransUnion. Lawyers and specialists will dispute on your behalf.

  • Credit reports and scores
    You can view your credit scores and credit reports from the credit bureaus after signing up.

  • Creditor interventions
    The Credit Pros will correspond and intervene with creditors who may come after you.

  • Cease & Desist letters
    The Credit Pros will send a formal letter to creditors who may be coming after you for your unpaid debts or other issues.

  • Letters of reference
    The Credit Pros will assist and advocate for you by writing a letter to credit card issuers and lenders you are applying to.

  • Credit builder loan
    This is a $5,000 tradeline you can use to purchase items at National Credit Direct. You can slowly build your credit by paying off your dues every cycle.

All plans include limited credit monitoring features like ID Cover dark web monitoring and TransUnion alerts. The Credit Pros also includes a budgeting system you can use to manage your finances.

Don't know if these features will actually help? The Credit Pros offers a money-back guarantee in case you're unsatisfied.

Which credit repair service feature matters most to you?

The Credit Pros Money-Back Guarantee

Your subscription comes with a 90-day money-back guarantee, provided you opted for a Success Plus or Prosperity plan. A Money Management subscription does not offer this guarantee.

That said, take note of the other conditions you should meet.[2] You are entitled to a refund if:

  • You have no pending balances
  • A dispute letter has not been sent within 30 days of starting your subscription
  • No items were removed from your credit report within 90 days of starting your subscription
  • You have not been enrolled in any credit repair program within the last 180 days since the start of your service

Note that you can only redeem the guarantee after 90 days. And you can only refund for up to 90 days' worth of service. This means that if you've been paying for 150 days, The Credit Pros will only refund 90 days' worth of payments.

Furthermore, you can get a full refund if you cancel within five days of signing the agreement.

State laws can limit the money-back guarantee.
Keep in mind that your state can affect and prohibit the guarantee. If you request a refund, The Credit Pros will review your account based on this limitation and process the request as needed.

The possibility of a refund can make it tempting to sign up. So what's the judgment? Should you try for The Credit Pros?

Is The Credit Pros worth it?

The Credit Pros can be worth it if you have the budget. You'll be entrusting your credit to experienced professionals, who have helped over 1 million Americans improve their credit.[3]

Plus, The Credit Pros includes credit monitoring in its plans. Not all credit repair companies offer this. And you typically need to spend more for this feature or for a credit monitoring app.

That said, The Credit Pros can get really expensive (up to $149/mo). In comparison, other reputable credit repair companies, like Sky Blue Credit and The Credit People, cost less than $100/mo.

If you're convinced it's worth it, here's how you can sign up.

How to sign up for The Credit Pros

The Credit Pros has a simple sign-up process:

  1. Go to the sign-up page.
  2. Fill in your first name, last name, phone number, and email.
  3. Select your plan and add a payment method.
  4. Confirm your account.

Once you confirm your account, you will be charged your first work fee ($119 to $149). Then, you can view your credit reports in your online account.

How do I cancel my The Credit Pros account?
You can cancel your The Credit Pros account by calling customer service at (800)-411-3050 or sending an email to info@thecreditpros.com. You can also log in to your online account and submit a cancellation request.

Is The Credit Pros legitimate?

Yes, The Credit Pros is a legitimate credit repair company. It has been in the industry for more than 15 years. And it has helped over 1 million clients improve their credit.

The company also has an A+ rating from BBB.[4] Plus, it's accredited by the National Association of Credit Services Organizations (NACSO)—an association that certifies and trains professionals on the highest credit repair standards and expertise.

The Credit Pros Information Security
The Credit Pros takes every precaution to keep your data safe. For example, its website uses an industry-standard Secure Sockets Layer (SSL) encryption on all pages where your personal information is collected. Only employees who need to know your information can access them.

To back up the company's legitimacy, you can check out its customer reviews.

Customer Reviews

Ratings SourceAverage Rating
Google Reviews4.1 out of 5 ★ from over 400 reviews
Trustpilot4.8 out of 5 ★ from over 300 reviews
Better Business Bureau (BBB)3.96 out of 5 ★ from over 100 reviews
ConsumerAffairs4.9 out of 5 ★ from over 100 reviews

Despite being around for more than a decade, The Credit Pros has fewer reviews than other credit repair companies. However, it generally has positive ratings from several platforms. And it has no recorded complaint in the CFPB database as of March 2024.

In Daisy's case, the experience was a positive one.

"I was in a bad financial situation and started 'trying' to fix it myself. It wasn't working, so I [checked out] The Credit Pros...They worked with me for 6 months, [then] I got approved for some of the best credit cards out there... I can [now] apply for mortgage loans as well." (From BBB review)

On the other hand, Elizabeth's experience with The Credit Pros isn't too great. The company barely improved her husband's credit without giving refunds.

"…We were sold on the 90-day money-back guarantee that they offer. [We] thought surely they must know what they are doing if they can offer a guarantee. Well after 5 months, my husband's FICO score only went up 4 points. They were only able to remove a few of the inquiries on our account.

None of the major accounts were touched. They sent out two letters just stating the fact that they were working with us but none of the creditors even responded back to the letters they sent out. We called to cancel and ask for our money back and they refused to give us back our money…" (From BBB Review)

Note that results vary per individual. All your credit cards, paid bills, or debts affect your credit. Signing up for credit repair companies like The Credit Pros doesn't guarantee anything.

If you encounter issues of your own, here are ways you can contact The Credit Pros.

Customer Service

If you have any questions or concerns regarding your plan, you can contact or visit The Credit Pros at:

  • Phone: (800) 411-3050
  • Email: info@thecreditpros.com
  • Address: 7754 Okeechobee Blvd Suite #765, West Palm Beach, Florida

The Credit Pros also features a live chat on their website where you can send inquiries or ask about the cancellation process.

But if you're not sold on the company's services, here are some alternatives and how they compare with The Credit Pros.

How The Credit Pros Compares

The Credit Pros vs Sky Blue Credit
Sky Blue Credit beats The Credit Pros in longevity, having been in the industry since 1989. It offers 2 plans ranging from $79–$99 per month for individuals.[5] If you sign up for couples pricing, it can cost you almost half the price of The Credit Pros.

In addition, Sky Blue Credit specializes in mortgage preparation. It's the better option if you plan to apply for a home loan or refinance your mortgage.

That said, both companies offer a guarantee in case you're dissatisfied with the service.

The Credit Pros vs The Credit People
Like The Credit Pros, The Credit People offers 3 plans. There are 2 monthly plans, costing $99 and $119/mo, and a flat-rate plan that costs $599 covering 6 months of service.[6]

Both companies offer a money-back guarantee. So you can request a refund whether you're dissatisfied or want to cancel the service.

If you choose The Credit People's flat-rate plan, the satisfaction guarantee covers the entire 6 months of your service. You get a more extended guarantee with The Credit People compared to The Credit Pros which covers only up to 90 days of service.

The Credit Pros vs Credit Saint
Credit Saint is another established credit repair company. It offers 3 plans costing $79.99 to $139.99/mo.[7] Just like The Credit Pros, Credit Saint offers a 90-day money-back guarantee.

In addition, Credit Saint offers a discount so you can save on first work fees. Credit Saint waives the first work fee when you add another member like your spouse or children to your account.

Regarding features, you won't feel like you're in the dark thanks to the credit score tracker and real-time alerts for account changes. This way, you'll know by the end of 90 days if it's time for a refund.

Bottom Line

The Credit Pros is an established credit repair company, where certified professionals challenge the credit bureaus on your behalf to improve your credit.

You can also use the tradeline to build a better payment history—all while The Credit Pros works on your disputes.

That said, The Credit Pros is not cheap. So if the pricing just doesn't seem to be worth it, you can try repairing your credit yourself or look at affordable alternatives instead.


  1. ^ The Credit Pros. Pricing, Retrieved 12/25/2023
  2. ^ The Credit Pros. Refund Policy And Limited Money Back Guarantee, Retrieved 12/25/2023
  3. ^ The Credit Pros. About Us, Retrieved 12/25/2023
  4. ^ BBB. The Credit Pros, Retrieved 12/25/2023
  5. ^ Sky Blue Credit. Member Pricing, Retrieved 03/12/2024
  6. ^ The Credit People. Plans and Pricing, Retrieved 03/12/2024
  7. ^ Credit Saint. Packages, Retrieved 03/12/2024
The Credit Pros

Get a Free Consultation Today

  • Plans start at $69/month and $119 first work fee
  • 90 day money back guarantee
  • Cancel service anytime
  • Free Credit Monitoring
Lexington Law

Free Online Credit Assessment

  • Free Credit Score
  • Free Credit Report Summary
  • Free Credit Recommendation
  • 5 Minutes to Check Your Credit

Build Credit & Earn Rewards

  • No credit check
  • Instant approval
  • 0% APR / $0 fees

Get up to $250 in minutes with Instant Cash

  • No interest, late fees, or tipping
  • No credit check
  • Just $9.99/mo. Cancel anytime

Get up to $500

  • No interest, credit checks, or late fees
  • No lengthy application process or waiting period
  • Sign up in minutes

Write to Alex Mambaje at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.


Leave a comment about The Credit Pros Review?

Build credit and save money. Sign up to get our FREE email newsletter.
DCU Credit Builder Loan Review

DCU Credit Builder Loan Review

DCU's Credit Builder Loan aims to give your credit a boost in just 12 to 24 months. But does this member-only service deliver? Read on to find out.

About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2024 CreditDonkey Inc. All Rights Reserved.