The Credit Pros Review

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The credit pros

Repairing your credit score can be a difficult and time-consuming task to complete on your own. If you want help from credit experts, The Credit Pros can provide the support you need.

This company offers several services that can help you clean up your credit, learn more about personal finance and monitor your account for identity theft. 

If you want to know if The Credit Pros is right for you, our review can help.

The credit pros
Overall Rating


You can monitor and fix credit report errors from the three credit bureaus (TransUnion, Equifax and Experian). Each monthly plan offers unlimited disputes, one-on-one credit expert consultations and credit monitoring. However, only your TransUnion report is available at no additional cost.

  • Credit repair tools


  • Extra features & customer service


  • Pricing


  • Ease of use



  • Free initial consultation
  • Unlimited credit disputes
  • Real-time score updates


  • One-time setup fee
  • Multi-month commitment
  • Free TransUnion reports only

What is The Credit Pros?

The Credit Pros is an online credit repair service that has been helping people fix their credit scores for over 12 years. 

This service is best for correcting credit report errors and monitoring your credit reports. However, you can also learn how to implement good credit practices and access money management tools.

For example, your membership benefits may include:

  • Credit monitoring
  • Identity monitoring
  • Debt validation
  • Automated credit disputes
  • Credit attorneys on-demand access
  • Budgeting tools
  • Educational videos

While you could take steps to improve your credit score by yourself, these tools can expedite the process and reduce your stress levels.

Who Can Join?

You can benefit the most from this credit repair agency if your credit score is in the low 600s or less. 

It’s also worth using this service if you don’t want to take the time to dispute credit report errors and contact collection agencies or creditors on your own.

Unfortunately, this service isn’t available in these states:

  • Kansas
  • Maine
  • Minnesota
  • Oregon

You can consider one of these credit repair companies if The Credit Pros doesn’t serve your state.

How Does The Credit Pros Work?

The Credit Pros What We Do

This credit repair service can help you clean up bad credit by reviewing your credit reports from Experian, Equifax and TransUnion.

Free Initial Consultation

You can start the process with a free consultation call. This phone call is available in English and Spanish Monday through Saturday.

The initial consultation can help you decide if The Credit Pros can improve your situation before you spend money. 

You will also choose a monthly plan at the end of the call. There are no long-term contracts, so you can cancel your membership at any time. 

The company also offers a 90-day money-back guarantee that gives you enough time to decide if joining can rebuild your credit.

Fix Credit Report Errors 

The Credit Pros Getting Started

The service automatically tracks your TransUnion report. You must provide your report from the other credit bureaus.

After examining your reports for errors and improvement opportunities, the company will help you make corrections. It can take several months to fix the problems, but you will get regular updates as your score changes.

You get to see each letter and correspondence the service sends on your behalf. This level of transparency helps show that The Credit Pros isn’t a scam.

On-demand legal assistance is also available for complex situations that require more than sending a letter to the bureau or creditor. 

Monitor Your Credit Score

Fixing your credit doesn’t happen overnight. In fact, it can take six to 12 months. The Credit Pros monitors your progress every step of the way.

When the service isn’t helping repair your credit, you can use the budgeting tools and identity monitoring tools to prevent future problems.

How Much Does The Credit Pros Cost?

Three monthly plans are available with a monthly fee of either $69, $119 or $149. You will also pay a one-time setup fee of up to $199.

While the setup fee is relatively high, the monthly cost can be lower than competing services. 

Before subscribing, the company’s free consultation phone call can help you choose the correct plan. 

Here is a closer look at the three plans available to you.

Money Management

You can subscribe to the entry-level Money Management plan for $69 per month after paying the $199 setup fee.

You will enjoy these benefits:

  • Credit report and credit score monitoring
  • Unlimited credit report disputes
  • Debt validation letters
  • Credit lawyer access
  • Identity monitoring
  • Budgeting tools
  • Debt management guidance (up to one negative account)
  • $5,000 credit limit to National Credit Direct

This plan is the most affordable option and provides everything you need to repair your score. 

However, you might upgrade to another plan if you want help managing multiple loans or credit cards that are currently in a negative status.

Aside from this limitation, you get access to the best credit repair features.

The National Credit Direct $5,000 credit line offers interest-free financing, but your purchase price can be higher than other places to buy unlocked phones and other electronics.


The mid-tier Prosperity plan costs $119 monthly, and the setup fee is $199.

This is the cheapest plan to receive unlimited debt management services for accounts with negative marks. The other credit repair, monitoring services and budgeting tools have the same service quality.

One additional benefit difference is that you won’t get a guaranteed credit line to National Credit Direct, which is an online marketplace to buy electronics. 

Instead, you can save up to 80% on prescriptions through SlashRx. 

Success Plus

The Success Plus plan offers the most benefits and costs $149 per month plus the $149 setup fee. 

In addition to the Prosperity perks, one additional benefit worth noting is a guaranteed $5,000 credit limit at National Credit Direct. The entry-level Money Management plan also has this perk.

Choosing this plan can be worth the extra cost if you plan on using the SlashRx prescription savings and National Credit Direct shopping benefits.

The Credit Pros Discounts

It is possible to save on your subscription to The Credit Pros.

You might be eligible for one of these monthly discounts:

  • A family member of an existing user
  • Military member
  • Fixed income
  • Switching from a competitor

You can find out if you qualify during the free consultation call.

The Credit Pros Key Features

Here are some of the best perks the company offers. Each of these features can help improve your credit score and financial habits.

One-on-One Consultations

In addition to the free initial phone consultation, you can schedule one-on-one credit expert phone consultations. You can also receive help by live chat and email.

Hiring a credit repair service isn’t the most affordable monthly expense, but this hands-on help can help you understand the credit repair process and build a personalized plan.

Credit Report Monitoring

The Credit Pros consultation

Your subscription to The Credit Pros comes with credit report monitoring to ensure you stay up-to-date on your credit health.

The credit report monitoring tools include the following:

  • Real-time credit score updates
  • TransUnion credit report updates every 60 days
  • Real-time credit alerts

Unfortunately, you’re responsible for retrieving your Experian and Equifax reports. Despite this downside, the service can monitor your monitors and help repair negative items.

Credit Repair

The credit repair services are the core reason to use The Credit Pros. 

These tools can help you see your score increase:

  • Unlimited dispute letters (Prosperity and Success Plus plans only)
  • Debt validation letters to creditors
  • Goodwill letters to creditors
  • Cease and desist letters to collection agencies

This company primarily uses artificial intelligence to draft the necessary letters and minimize the need to speak with an agent.

You will have on-demand access to credit lawyers. This service can cost extra, but it is beneficial when the creditor or collection agency isn’t honoring your letters.

Identity Monitoring

Built-in identity monitoring with the platform’s ID Cover service is also helpful as these events can damage your score. 

This feature looks for these unusual events:

  • Dark web monitoring
  • Change of address
  • Social Security number
  • Payday loans
  • Social media networks

Credit report monitoring may send alerts for some of these incidents. However, this service is necessary to get extensive coverage.

Budgeting Systems

Practicing good money habits is necessary to prevent future credit damage. 

You can access several budgeting tools, including:

  • Bill reminders
  • Bank account syncing
  • Monthly budgets
  • Debt snowball and debt avalanche payoff strategies

These features can help you make a spending plan that reduces your monthly expenses. 

The debt systems can also help you get out of debt. Paying off your accounts can even help build your score by reducing your credit utilization ratio and establishing a positive payment history.

Training Center

The Credit Pros helps you learn more about credit and other financial topics.

You can watch educational videos about:

  • Credit
  • Finance 
  • Budgeting
  • Entrepreneurship

In addition to these videos, you can also receive employment tools like reference letters, a resume builder and job search assistance.

Mobile App

The Credit Pros mobile app

An Android and Apple mobile app is available with 24/7 access. These platforms can be easier to navigate than the web platform from your phone or tablet.

Money-Back Guarantee

The Credit Pros promises a full refund if they are unsuccessful in getting any questionable items deleted or updated on your credit report. This guarantee makes the service seemingly risk-free.

Credit Pros Reviews

This credit repair agency has overall positive ratings across various ranking websites.


The Credit Pros has a 2.71 out of 5 rating with 42 customer reviews on the Better Business Bureau (BBB). They are also BBB accredited with an “A-” BBB rating and have 68 complaints that were closed in the last three years.

Most of the complaints had to do with the service and billing.

Here are a couple of reviews from customers:

“The Credit Pros have helped to completely remove all the negative items from my credit report. I am so grateful! They also give tips on how to increase your score even more.” – Mina J.

“Disappointed, I requested removal of disputes and was sent to voicemail ! I gave three days to act on my request starting today or I will continue my complaint.” – Lisa C.


Are you still on the fence about using The Credit Pros? These questions can help you understand if the service is right for you.

Is The Credit Pros legit?

Yes, The Credit Pros is a legit credit repair agency that has many positive customer reviews and is accredited with the National Association of Credit Service Organizations (NASCO). 

The free initial consultation and 90-day money-back guarantee are two ways you can verify the service isn’t a scam

What is the Credit Pros cancellation policy?

You pay month-to-month and can cancel your service at any time. It’s possible to downgrade your plan once most of the hard work is complete if you still want their monitoring tools.

What are The Credit Pros customer service options?

You can get live phone support from 9 a.m. to 8 p.m. Eastern Monday through Friday. Live chat and email support is also available during the hours.

There is even an online FAQ database and informational videos available on the website or mobile app 24/7.


The Credit Pros can be one of the better credit repair services as they have many positive ratings and competitive pricing. 

This company’s hands-on credit expert help and unlimited disputes make it easy to fix your credit report and resolve other problems.

Additional services like identity monitoring and budgeting assistance can help you accomplish your other financial goals at the same time, making the service worth considering if you need help with your credit.