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The Credit Pros

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6.7

Overall Score

Author: Kaitlyn Short

LAST UPDATED: November 2nd, 2024

The Credit Pros was ranked by Inc. Magazine as one of America's 5,000 fastest growing companies.

The company is BBB accredited and provides services that help clients repair their credit scores through the removal of negative, inaccurate items on credit reports.

The Credit Pros' staff consists of certified professionals who provide high-quality credit repair services to all of its clients. The firm claims it is "the company that is fixing America's credit."

Some of the services the business offers at no additional cost include identity theft restoration and insurance, 24/7 client portal access, credit reports, credit monitoring services, and more.

Potential clients should keep in mind that The Credit Pros do not provide credit repair services in these states: Kansas, Maine, Minnesota, and Oregon.

Those interested in The Credit Pros services should also note that the firm offers a complete money-back guarantee and lets clients cancel services at any time.

Read on to learn more about The Credit Pros' credit repair services and to view The Credit Pros reviews. 

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The Good

  • 24/7 Access
  • In-House Licensed Attorneys
  • Transparent Payment Options
  • Money-Back Guarantee

Not only do The Credit Pros provide a free credit consultation service with certified FICO professionals to each customer, but the credit repair company also provides unlimited disputes and goodwill letters to creditors at no additional cost to the client.

The Credit Pros also provides consumers with credit report copies from all three major credit bureaus and promises that each client's information will be protected and kept secure (limiting the risk of identity theft).

In addition to these perks, The Credit Pros has several other features to note, such as:

24/7 Access

The Credit Pros provides clients with an online client portal that can be accessed 24/7. In addition, clients have 24/7 access to a case manager.

The Credit Pros strive to ensure transparency throughout the credit repair process. Since the company works to get clients' credit scores up, it believes clients should be able to see results at any time of day.

Clients can also use the company's mobile app to check their account status, upload documents, track their credit score, and contact company support. 

In-House Licensed Attorneys

The firm has licensed attorneys on staff, providing a level of expertise to clients' credit cases. Also, the president of The Credit Pros is a Certified FICO Professional.

The Credit Pros staff strives to provide quality customer service; they help clients with the deletion of "erroneous credit damage", help clients "set realistic, reachable credit goals", and "provide practical, honest credit advice when you need it", etc.

The Credit Pros also strive to educate all clients on credit scores as well as credit restoration and provide tools to help clients avoid bad credit in the future.

Transparent Payment Options

The Credit Pros has all of their monthly payment information and plan options available on their website for everyone to see.

The business offers four different plans for consumers to choose from: the CreditSentry Monitoring plan, the Money Management plan, the Prosperity Package plan, and the Success Package plan.

The Credit Pros are more transparent when it comes to pricing and plan options than many other companies in the credit repair industry. 

Money-Back Guarantee

The Credit Pros offer a 100 percent money-back guarantee if it cannot improve a client's credit score within the first 90 days of the client using its credit repair services.

Credit repair results can vary depending on the client's credit score/situation and the removal process. In order to remove negative items, credit repair companies must work with credit bureaus which can be challenging at times.

The Credit Pros realize that each credit situation and credit repair results can be unpredictable and have implemented this refund policy for that very reason. The Credit Pros also allow clients to cancel their services at any time with no financial consequences.

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The Bad

  • High Setup Fees
  • Limited State Availability

High Setup Fees

The Credit Pros does charge a rate of up to $149 as a setup fee for its repair services. Overall, this repair company's setup services are pricier than many other companies in the credit repair industry.

Limited State Availability 

Like many other credit repair companies, The Credit Pros only provide repair services to certain states.

The states that the company does not cover include Kansas, Maine, Minnesota, and Oregon.

Those who are interested in The Credit Pros' services should take this into account.

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The Bottom Line

The Credit Pros clearly has more good features to its services than drawbacks.

Unlike other repair companies, The Credit Pros' president is a Certified FICO Professional and has a team of Certified FICO Professionals on hand to assist each customer.

In addition, The Credit Pros offer cease and desist letters, credit report copies from all three major credit bureaus, a free credit consultation, and a credit restoration ebook, along with working to remove negative credit items from your credit reports. 

The Credit Pros also believe in providing quality customer service and strives to educate clients on credit repair. Clients can not only contact the company's support 24/7, but can also use The Credit Pros' mobile app to track their credit score, check their account status, and more. 

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Customer Review: Mark from Aliquippa, Pennsylvania

"The Credit Pros are a great company! They go up and beyond to help you from the beginning to the end! Whenever you call, e-mail, or need them in any way, they always respond very quickly and are always very helpful!"

The firm provides helpful tools to make sure clients learn what affects their credit (credit cards, credit history, debt consolidation, credit limit, a loan, late payments, etc) in order to avoid bad credit in the future.

Combine these positive points with a customer satisfaction guarantee and The Credit Pros is a great option for credit repair services.

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5.0

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517 Reviews

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Craig Atlanta, GA

The Credit Pros were able to get certain items removed however the same items would appear back on my report within a month or two. I found that to be concerning as I would in that case never be able to complete the process or stop paying for the services.

8 years ago

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Gail Dunn Alpharetta, GA

Began in Jan 2015. My score is worse now than when they started. No communication unless I initiated it, but we're eager to take my money. Over promised and definitely under delivered. They string you along saying it will get better. Not trustworthy and definitely not worth the money.

9 years ago

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Abraham olvera Coachella, CA

Good customer service, but slow resluts and monthly fees that come up quickly become expensive really quick as the reaults are mediocre at best. Need work on delivering results where it matters most i.e bankrupcy, repos, or judgements.

9 years ago

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Ariana San Jose, CA

I recently joined and while I haven’t seen any results yet, I’m hopeful I will.

5 years ago

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Tim Cantrell CA

My credit score is not going any where only up 14 points in one credit beauru

1 year ago