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
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
  • 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.

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 will have great peace of mind. Plus, the company offers full and 24/7 access to the portal that can be accessed via a desktop computer or mobile devices.

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.

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

Monthly Management starting at as low as $69 per month

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 starting at as low as $119 per month

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 starting at as low as $149 per month

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 is quite like The Credit Pros as it is also run by qualified lawyers. Here’s a comparison chart that highlights the basic differences between the two credit repair companies:

The Credit Pros Lexington Law
Year Founded 2009 1991
Upfront Charges Yes $0
Guarantee No 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

The Credit Pros is one of the most well-recognized companies in this niche. Its pricing structure is quite similar but it doesn’t offer as exhaustive plans as The Credit Pros. Let’s look at this comparison chart:

The Credit Pros Credit Repair
Year Founded 2009 1991
Upfront Charges Yes Yes
Guarantee No 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 old and experienced company, which is one of their greatest strengths. Plus, it also has the edge of coming up with a guarantee. We have prepared a comparison chart to help you have a better understanding:

The Credit Pros Sky Blue
Year Founded 2009 1991
Upfront Charges Yes Yes
Guarantee No 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.

The company can help remove negative payments, inaccurate payments, late charges, collections, foreclosures, bankruptcy, library fines, charge-offs, medical bills, and more.

The Credit Pros legal credit repair 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.


At the end of this 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. Its debt consolidation services give it an edge since very few credit repair companies get down to helping clients get rid of debt. Most are only involved in identifying and removing amounts, which The Credit Pros does quite well.

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