The Credit Pros Review

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Reviewed by: Ricky Ingram
  • Provides an AI-Driven credit management system
  • Staffed by FICO® certified experts
  • Unlimited disputes on all credit repair packages
  • BBB Accredited Business
  • Plenty of extra features with each package
  • 90-day assurance
BBB Rating: B+
Setup fee: $119-$149
Monthly fee: $69-$149
  • Launches more disputes during each billing cycle
  • All plans include access to their legal network
  • Facilitates credit building thru National Direct
  • Personalized help at all stages
  • Book a convenient time to receive the free call
  • Provides mobile apps and personal finance tools
  • Charges a setup fee of $119 for their $69 plan
  • Few credit education resources
  • Lacks a clear website and performance stats

There are several credit repair companies on the internet and while they all claim to be the best, they’re not made equal. In this The Credit Pros review, we’ll have a look at one such company and gauge if it’s worth a try or not.

Credit repair involves identifying issues with your credit report, getting in touch with the relevant authorities, and requesting corrections. Despite sounding simple on paper, the process can get very complicated, especially for someone who doesn’t understand how a credit repair company works.

While you can do most of the tasks yourself, it’s not always worth it since the process can be very lengthy, taxing, and time-consuming. It’s best to get in touch with a credit repair company that understands the process and can help improve your credit score.

Our unbiased review includes The Credit Pros cost, plans, and more. We’ve written it after using the service, going through other The Credit Pros reviews on the internet, checking out The Credit Pros ratings from different platforms, and reading testimonials. So, is The Credit Pros worth the money? Let’s find out.

What is The Credit Pros?

Founded in 2009 by Jason M. Kaplan, The Credit Pros is a credit repair firm that offers a variety of services. Its owner is a well-known credit educator and attorney with a specialization in the Fair Credit Reporting Act. This gives The Credit Pros great authenticity and makes it one of the best credit repair firms in the business.

Kaplan is a certified FICO Consultant and Credit Counselor. He started the business to use his knowledge and experience to help people lead a secure financial life.

It didn’t take the company too long to leave a mark as it hired some of the most well-known counselors and FICO experts. This is a major reason why The Credit Pros client reviews seem to be positive. There are no official complaints filed against the company with the Consumer Financial Protection Bureau, a government watchdog that looks after the credit repair industry. However, The Credit Pros BBB has some complaints. It has a rating of A- and an average rating of 2.63 stars. Most people seem to be unhappy due to the company’s inability to remove some elements.

the credit pros bbb reviews

The Credit Pros firm customer service is quite reliable and agents are friendly during usual office hours to discuss complaints, line of credit, credit score, debt consolidation, etc.

You can also ask them how to remove evictions, charge-offs, judgments, late payments, etc.

What is the company’s location? The company’s corporate offices are in West Palm Beach Florida. However, they don’t offer in-person services or walk-ins.

How Does The Credit Pros Work?

The process is very straightforward. Go to the website and set up a free consultation with the team. You can choose from two languages – English and Spanish – and pick a date according to your schedule.

The company offers five main services:

  • Identifying incorrect credit items and getting them removed to boost your credit rating.
  • Credit counseling so you can improve your rating.
  • Credit education resources and tools so you can have a better understanding of how credit works.
  • Provision of written material that covers credit scores and other such items.
  • Apprising you of your legal rights according to the law.

We think the free consultation option is great as it gives you a chance to have a one-on-one conversation with a specialist.

After a free consultation, you will have the option to choose a plan and make payments. Once done, the process will start. The company can help remove a variety of items including:

  • Negative payments
  • Inaccurate payments including late charges
  • Collections
  • Foreclosures
  • Bankruptcy
  • Library fines
  • Charge-offs
  • Medical bills

The company will get in touch with your creditors and bureaus to correct the issue. It does so by issuing dispute and validation letters and providing proof. In addition to this, the company also issues cease and desist and goodwill letters.

how does credit pros work

These latter ones are of huge importance. Cease and desist letters, for example, are sent to collection agencies requesting to stop the process while the matter is in dispute.

As a user, you can access your account by logging into The Credit Pros customer portal through the website or app. It offers access to personal finance tools and 24/7 case tracking.

If you have any inquiries or need help with any aspect of the service, you can contact the support team using the phone number 1-866-853-0478. The team works from Monday to Friday, 9 a.m. to 8 p.m. (EST).

Pros vs Cons of The Credit Pros

Here are some of the main benefits of working with The Credit Pros:

  • The company offers a free consultation to all new users. This can be a great way to know more about your financial standing and if you truly need the help of a credit repair firm.
  • You can get access to your data on the go thanks to a free app that works on both Android and Apple devices.
  • All packages come with unlimited disputes, this means you will not have to make additional payments or wait for another month to clear your disputes.
  • Customer service is available in two languages (English and Spanish), making it a great option for a wide variety of people.
  • The company offers a broad range of services including credit disputes, credit monitor, debt management, identity theft, etc.

These were some of the main pros of The Credit Pros, but it doesn’t come without some negatives. Let’s have a look at some cons:

  • The company does not offer a money-back guarantee despite advertising a service guarantee.
  • The upfront fee is pretty high starting at $119 per month.
  • Educational resources available on the website are not very detailed.

Good Reviews of The Credit Pros

Customers can find several independent sources for The Credit Pros reviews written by past customers. One of the best places to check is TrustPilot. The credit restoration service has averaged a 4.8 score with over 85% of reviewers leaving an excellent rating.

In the most recent review, the customer said that working with Credit Pros was the best thing she did to fix her credit. She noted that they responded quickly to her calls and emails.

The Credit Pros reviews trustpilot

The Credit Pros app has similarly attracted great reviews, with their Android app averaging a 4.7 rating. The most recent reviewer expressed that with most credit repair agencies customers don’t get any results. He liked that The Credit Pros offered various credit purchase programs for credit rebuilding.

The Credit Pros app review

You can also download and test their iOS app. It comes with intuitive features such as real-time credit alerts and credit report updates. The app has averaged a 4.6 score.

From our analysis, we have deduced that most reviews on The Credit Pros are positive with customers generally expressing high satisfaction with the service.

The Credit Pros complaints

The Credit Pros BBB review page currently cites that the business has had 13 complaints in the last three years. Most of the Credit Pro complaints revolve around the quality of the products. Generally, credit repair companies cannot guarantee results because they have no control over how credit bureaus may respond to challenges.

The Credit Pros seemed to have stopped advertising its service guarantee for a while, but it’s now back. It allows customers to claim their money back if there have been no deletions in 90 days.

The Credit Pros Pricing

The Credit Pros is known for offering an expansive range of services, hence it shouldn’t come as a surprise that The Credit Pros monthly fee is a little on the higher side. Here’s a complete The Credit Pros cost breakdown.

You can choose from three packages:

the credit pros packages

CreditSentry package

The CreditSentry Monitoring package goes for $19 per month. It’s not one of the main Credit Pros’ Credit repair packages as it lacks features such as bureau challenges and creditor interventions. However, it comes with many other features that make it worthwhile for customers that need enhanced protection of their identity and access to monitoring services. For instance, it offers access to TransUnion credit monitoring, VantageScore updates, and regular full credit reports.

The Credit Pros will enroll customers in the IDCover program, with features such as Dark Web monitoring, change of address alerts, social network monitoring, and payday monitoring. You will still need the money management plan if you want the company to work on your report and get inaccuracies removed.

Monthly Management

The cheapest plan covers basic tools needed to improve credit including identity and credit monitoring, unlimited monthly disputes, and planning tools. In addition to this, you’ll get to enjoy debt management services designed to help you get rid of debt.

The company can help you address debt-related issues via the avalanche or snowball method. However, this plan comes with one debt repayment account and you will need to choose a more expensive package if you wish to have multiple accounts.

Prosperity Package

The mid-level package comes with additional benefits including unlimited debt repayment accounts. This can be a good option for users who need to deal with debt from several sources.

In addition to this, you will get a free Slash RX subscription, a program that allows users to save up to 80 percent on prescription drugs.

Success Package

The premium plan comes with everything the other two plans come with but includes some additional benefits in the form of financing through National Credit Direct.

The program is designed to help customers with no or poor credit to purchase household items and improve their credit.

You will have to pay a first work fee with every package. It starts as low as $119 per month and goes as high as $149 per month.

The Credit Pros Alternatives

If you don’t like The Credit Pros for any reason, you can try one of the alternatives we have listed here.

Lexington Law vs The Credit Pros

Lexington Law offers an edge over The Credit Pros with its attorney-led credit repair process. It doesn’t operate as a typical credit repair company but as a legal firm with clients receiving help from a team of paralegals.

Now, this is not a big drawback. The Credit Pros similarly offers access to a legal network to help customers deal with complex challenges involving uncooperative information furnishers.

For customers looking for the cheapest plan with the most features, The Credit Pros may be the ideal choice. That’s because their money management package at only $69 per month includes extra features such as debt validation letters, debt management systems, budgeting tools, ID protection, and credit monitoring. The Credit Pros services are also backed by a money-back guarantee while Lexington Law does not have any such program. Unlimited credit disputes are also available in select programs for The Credit Pros.

For anyone looking for a robust and well-rounded package from the most reputable credit repair brand of the two, they might as well consider Lexington Law’s top plan at $129.95 per month. The law firm also has an edge over The Credit Pros in that their website contains a lot of resources, covering all aspects of the credit repair process with handy guides and sample letters.

The Credit Pros Lexington Law
Year Founded 2009 2004
Upfront Charges Yes $0
Guarantee 90 Days No
Starts As Low As $69 per month $89.95 per month
Most Expensive Plan $149 per month $129.95 per month vs The Credit Pros is one of the most well-recognized companies in this niche. Its cheapest plan, the Direct package, starts at $69.95 per month with a corresponding work fee. That means that customers will pay about $140 for the first month of service.

The money management package from The Credit Pros goes for $69 per month but it has a higher work fee at $119. So, customers will end up paying about $188 for The Credit Pros services in the first month.

While the Credit Pros may seem to suffer a setback in terms of affordability, it’s important to know that its cheapest plan often contains features that offers on its mid-range and top packages. You also get a money-back assurance with The Credit Pros.

Customers can claim a refund after enrolling in the program for 90 days but not experiencing any change to their credit history. In terms of educational resources, has an edge over The Credit Pros and their website is more well-developed and informational.

The Credit Pros
Year Founded 2009 2012
Upfront Charges Yes Yes
Guarantee 90 Days No
Starts As Low As $69 per month $69.95 per month
Most Expensive Plan $149 per month $119.95 per month

Sky Blue vs The Credit Pros

Sky Blue is an experienced company, which is one of its greatest strengths. The brand has operated since 1989. Customers only get one package at $79. Some consumers may appreciate the simple pricing because they don’t have to compare features across different packages. But it may be a hindrance for those who want to spend less on their credit repair.

In addition, the money management package goes for $69 per month, but the high initial setup fee may not translate into much savings throughout the membership.

The Sky Blue credit repair package limits customers to 15 challenges every 35 days, while The Credit Pros offers packages with unlimited disputes. Both platforms offer a money-back guarantee but Sky Blue Customers can redeem their refunds even after experiencing a single deletion.

The Credit Pros Sky Blue
Year Founded 2009 1991
Upfront Charges Yes Yes
Guarantee 90 Days 90 Days
Starts As Low As $69 per month $79 per month
Most Expensive Plan $149 per month $710 per month
BBB Rating: B+
Setup fee: $119-$149
Monthly fee: $69-$149


The company doesn’t sign long contracts and you have to make monthly payments. According to most users, it takes the company about three months to repair credit, but it can be longer for complicated cases to show positive results. It is best that you ask for an estimated timeline when you sign up. Across the industry, the average time customers sign up for monthly services tends to be six months.

The company can help remove negative payments, inaccurate payments, late charges, collections, foreclosures, bankruptcy, library fines, charge-offs, medical bills, and more. They can’t challenge legitimate items. Repair specialists go after errors or information reported without following due process.

The Credit Pros legal credit repair network is vast and includes a variety of issues. Get in touch with the company for a complete list.

Yes, The Credit Pros does work. It seems to have a long list of satisfied customers. However, we must mention that it might not be able to remove all kinds of issues.

Take advantage of their free consultation to speak to their certified credit repair experts. It’s important to order copies of your credit reports to check for potential errors. That way, you’ll have a lot of things to discuss.

Yes, it’s a legit company that follows the provisions of the Credit Repair Organizations Act. For instance, they don’t require customers to pay an advanced fee. Even the work fee is deducted after 5 – 7 days. That’s when the company has sent the first batch of disputes. The company has a physical address and works with FICO-certified experts.

Is The Credit Pros a Good Credit Repair Company?

As we conclude this TheCreditPros review, we can say that it is one of the best credit repair service providers. In simple words, if you ask us ‘does The Credit Pros really work?’, we’ll say that it does. It offers exclusive features that many credit repair brands lack such as access to credit rebuilding products through National Credit Direct. Note that the platform doesn’t offer traditional credit products such as credit cards or lines of credit.

The packages are quite balanced with the money package at $69 per month offering more than customers could bargain for. The company has enhanced trust in its services by making its service guarantee clear.

Customers enjoy extra benefits, including Goodwill Letters, debt validation letters, and cease and desist letters. Additionally, most reviews for The Credit Pros reveal a general satisfaction with the service. Of course, there has to be some discontent, but the company is not a scam.

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