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.
Overall Rating
Summary
The Credit Pros is a credit repair service founded in 2009. Its Prosperity and Success Plus plans offer unlimited disputes with all three credit bureaus, a dedicated Credit Specialist, and creditor and collector contact. The entry-level Money Management plan does not include disputes — it is a build-credit plan with on-time payment reporting, a one-bureau credit report and score, bill reminders and budgeting tools, and dark-web identity protection. Plans cost $69, $129 or $149 per month, plus a one-time first work fee of $119, $129 or $149.
-
Credit repair tools
4.2
-
Extra features & customer service
4.5
-
Pricing
4
-
Ease of use
4
Pros
- Free initial consultation
- Unlimited credit disputes (Prosperity and Success Plus plans)
- Real-time score updates
Cons
- One-time first work fee
- No money-back guarantee
- Free TransUnion reports only
Table of Contents
What is The Credit Pros?
The Credit Pros is an online credit repair service that has been helping people fix their credit scores since 2009.
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?
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 does not offer a money-back guarantee. Instead, if after 60 days you are not satisfied, The Credit Pros extends your service up to the number of months you have paid for, at no additional cost. Results are not guaranteed.
Fix Credit Report Errors
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, $129 or $149. You will also pay a one-time first work fee of $119, $129 or $149, depending on the plan. There are no other fees. Credit repair services aren’t cheap, but you’re paying an expert to repair your credit. The first work fee pays for your Initial Credit Action Plan, which may include TransUnion credit monitoring, your TransUnion credit report and score, a line-by-line review of your credit reports, a written action plan, corrections to inaccurate personal details, a review of your budget and goals, steps to opt out of the Do Not Call list and junk mail, and education on using the client portal and tools.
While the first work 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 a $119 first work fee. This is the build-credit plan: The Credit Pros reports your on-time monthly payments to help you build a positive payment history on your credit reports.
You will enjoy these benefits:
- One-bureau credit report and credit score
- On-time payment reporting of your Credit Pros payments
- Bill reminders and budgeting tools
- Dark-web identity protection
This plan is the most affordable option, but it does not include credit report disputes — it is designed to help you build credit, not to challenge errors on your reports.
However, you might upgrade to another plan if you want help disputing errors on your credit reports.
If you only need help building a positive payment history, this plan may be enough on its own.
Prosperity
The mid-tier Prosperity plan costs $129 per month, plus a $129 first work fee.
This is the cheapest plan with unlimited disputes with all three credit bureaus. You also get a dedicated Credit Specialist who contacts your creditors and collectors for you, plus credit reports and scores from all three bureaus.
Success Plus
The Success Plus plan offers the most benefits and costs $149 per month plus a $149 first work fee.
In addition to the Prosperity perks, Success Plus also reports your on-time monthly Credit Pros payments to the credit bureaus, and includes the Money Management features — bill reminders, budgeting tools and dark-web identity protection.
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
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.
Legal Support
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
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.
Satisfaction Guarantee
The Credit Pros does not offer a money-back guarantee, and results are not guaranteed. Instead, if after 60 days you are not satisfied, The Credit Pros extends your service for up to the number of months you have paid for, at no additional cost.
Credit Pros Reviews
This credit repair agency has overall positive ratings across various ranking websites.
| Company | Rating | Reviews |
| Trustpilot | 4.9 | 4,370 |
| Apple | 4.6 | 250+ |
The Credit Pros has a 4.54 out of 5 rating from 454 customer reviews on the Better Business Bureau (BBB). The company is not BBB accredited and holds a B+ BBB rating, with 151 complaints in the BBB’s three-year reporting period.
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.
FAQs
Are you still on the fence about using The Credit Pros? These questions can help you understand if the service is right for you.
Yes, The Credit Pros is a legit credit repair agency that has many positive customer reviews. The company was founded in 2009 and has a 4.9-star Trustpilot rating from 4,370 reviews. The free initial consultation lets you check whether its services fit your situation before paying. Note that it is not BBB accredited (it holds a B+ BBB rating) and it does not offer a money-back guarantee.
You pay month-to-month and can cancel your service at any time, by phone or in your account. It’s possible to downgrade your plan if you change your mind about a more expensive option.
You can reach The Credit Pros by phone at (800) 411-3050 or by email at info@thecreditpros.com. Live chat support is also available. There is even an online FAQ database and informational videos available on the website or mobile app.
Summary
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 (Prosperity and Success Plus plans) make it easy to fix your credit report. However, the average cost is higher than many competing credit repair services.
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.
