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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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9%

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Don Dallas, TX

Was told that they only work on your credit file every 60 days but was being charged every 30 days. They do not automatically do all 3 bureaus and even though I had an all 3 bureau report and gave them the username and password I would have to contact support to get them to upload my report every month. When I decided it was too much to keep up with and wanted to cancel they would never cancel me.. they kept telling me that they never received my cancellation and would keep charging me. Then they would put a "Retention specialist" on the phone to try to persuade me to stay with the service and even after I told her "No" they still wouldn't cancel me. The only way was to cancel my debit card. Once they get the 3 bureau thing fixed and decide to work every 30 days i would be glad to go back to them "With a Prepaid Debit Card" lol. They did get things removed but just took forever cause of the 60 day thing.

5 years ago

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Karyn Casner Scottsdale, AZ

My credit has been low since I can remember and I never used to worry about it when I was younger. Over night it seemed like I turned 50 and here I am still with bad credit. I heard about credit pros online and now in just over a month my scores have jumped almost 30 points because of Credit Pros and it continues to rise. I am so excited because my main goal is to own a home of my own within the next couple years. I know with you guys I am on my way to reaching my goal. THANKS!!!

8 years ago

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Jesse Matthews Alexandria, VA

I am very happy with the different payment options available. I have only been working with the Credit Pros for roughly 40 days, so I the only accurate thing I can say is everyone I spoke to on the phone support line was very knowledgeable and having different ways to send in the letters from the collection agencies and credit bureaus is very nice because I do not have a fax machine so I just take pictures of the letters with my phone and upload it to my portal.

8 years ago

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hancock Charlotte, NC

Pay 149 they wait a week before they actually charge you. reason for that is because after a month goes by they charge another 99 dollars. Here's the bs so you've paid 250 before you see any results..they tell you it take 45 days to see results do u paid 250 going on 350 before the results. As of today I been with them for 3wks and yesterday they just started disputing everything. So july 20 I started August 12th another payment. 36 days before I start receiving letters and guess what. Another payment. So be prepared to kick out 450 bucks. Before you start

9 years ago

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Eugene Liekhus Monterey, CA

The company has deleted some bad credit information but it seems to me the will draw this out longer than they stated originally so they will make more of a monthly profit!

8 years ago

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James McCoy Philadelphia, PA

I have been with the Credit Pros for about (2) months, I have received many letters from this company, I have no problems as of this date.

9 years ago

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richard C Methuen, MA

So far so Good in 2 months they have been able to remove approx.: 40% of the negative items in my report. So I have no complaints

9 years ago

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James Hendrix Webb City, MO

They are very good at keeping me informed and about what they are working on. They are very friendly people that you get you get to talk to.

10 years ago

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Precioust Garner, NC

The staff have been very helpful. I received emails and phones about my account. and given tips about what to do

5 years ago

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timothy Minden, LA

Well credit pros did remove some negative items..but my score drop 43 points on experian from when I started

9 years ago

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Claudia lomeli Coachella, CA

The credit pros are very knowledgeable and helpful. I have gotten good results in a short time.

9 years ago

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pauaaviles Brooklyn, NY

It's great

10 years ago

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Sherry Brown Calera, AL

I was not impressed of what they were offering for the price

3 years ago