Inaccuracies on your credit report can drag your credit score down. The Credit Pros can help you clear those errors. With three plans that can meet your credit needs where they are and a satisfaction guarantee or your money back, The Credit Pros is one of the best credit repair options on the market.
Business Insider's personal finance team compared The Credit Pros to the best credit repair companies and found it to be an industry leader due to its additional services, such as its credit builder loan and its refund policy for the reappearance of deleted items.
The Credit Pros Pros and Cons
Pros
- Credit repair: The Credit Pros can help repair credit by challenging inaccurate or outdated information on credit reports.
- Convenience: Credit experts can help you dispute errors on your credit report.
- Credit building tools: To help users learn how to build credit for the long term.
Cons
- Expensive: The Credit Pros can be more expensive than other credit repair companies.
- Results may vary: It can take longer than expected to dispute issues on credit reports.
- No guarantees: There are no guarantees with credit repair.
Get Debt Relief
$119 monthly fee and $119 first work fee
Pros
Cons
If you have inaccuracies on your credit report, The Credit Pros can help you clear those errors. With three plans that can meet your credit needs where they are and a satisfaction guarantee or your money back, The Credit Pros is one of the best credit repair companies on the market.
The Credit Pros: Prosperity PlanCompare The Credit Pros
Cost: 15-25% of total enrolled debt
Pros
Cons
National Debt Relief boasts an average savings of 25% (after fees) for clients who complete a settlement program, and has extensive positive reviews online. However, the debt settlement process has several potential pitfalls, and there may be other solutions better suited to your needs.
National Debt Relief15-25% of total enrolled debt
Pros
Cons
$7,500 minimum debt required
15-25% of enrolled debt + $9.95 account sign-up fee and $9.95 monthly fee
Pros
Cons
- Must have a minimum total debt balance of $7,500 to qualify (some states have laws setting higher minimums)
- Fee ranges from 15% to 25%
- One-time fee of $9.95
- Monthly fee of $9.95
- Available in these states: AL, AK, AR, AZ, CA, DE, FL, IA, ID, IN, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NM, NV, NY, OK, PA, SD, TN, TX, UT, WI
The Credit Pros Overview
Since 2009, The Credit Pros have been helping folks repair their credit history and increase their credit scores by removing errors and inaccuracies.
Its AI-driven services cost a whopping $69 - $149 per month, depending on which of its three plans you opt for. These plans are as follows: Money Management plan, The Credit Pros: Prosperity Plan, and the Success Plus* plan.
While its Success Plus and Prosperity plans offer unlimited credit bureau disputes, it's worth noting that the Money Management plan doesn't offer credit repair despite its high monthly cost and first work fee. Instead, the Money Management plan offers a budgeting system, credit monitoring, and light identity theft protection. For the price you're paying for these services, the Money Management plan is far from the best credit monitoring service or the best identity theft protection service.
If you're looking for a full credit repair service, you'll need The Credit Pros: Prosperity Plan or Success Plus* plan. Credit disputes aside, these services also provide various letter templates for various credit situations, such as goodwill letter templates you can send to creditors asking them to forgive a late payment and remove it from your credit reports. Again, these are services you can achieve yourself, but it may be nice to have some guidance.
The Success Plus plan also comes with a $5,000 credit builder loan through The Credit Pros' partner, National Credit Direct. If you're not in the market for a credit builder loan, the Prosperity plan should do you just fine. Even if you are looking to improve credit, you're much better off looking into companies that specialize in building credit, like any of our picks for the best credit builder loans.
One highlight of Credit Pros service is a stipulation in its refund policy that covers clients for deleted items that reappear on the client's credit report. In that event, Credit Pros will reinvestigate those items without any additional charge for life. This guarantee is only for those who signed up for the Prosperity or Success Plus plan.
The Credit Pros isn't available to residents of Maine, Minnesota, Kansas, and Oregon.
How The Credit Pros Works
The Credit Pros offer consumers three plans from which to choose: Money Management, Prosperity, and Success Plus. Each plan offers more options than the next, with monthly costs ranging from $69 - $149.
| Money Management | Prosperity | Success Plus | |
| Price | $69 monthly fee and $119 first work fee | $119 monthly fee and $119 first work fee | $149 monthly fee and $149 first work fee |
| Bureau disputes | None | Unlimited | Unlimited |
| Credit interventions | No | Included | Included |
| Cease and desist letters | No | Included | Included |
| Letters of reference | No | Included | Included |
| Credit Builder Loan | No | No | Included |
| Three-bureau reports and scores | TransUnion only | TransUnion only | Included |
| ID CoverⓇ Dark web monitoring | Included | Included | Included |
| TransUnion alerts | Included | Included | Included |
| Real-time account sync | Included | Included | Included |
| Bill reminder | Included | Included | Included |
| Budgeting system | Included | Included | Included |
The Credit Pros Key Features and Services
Wondering what each of these services actually provides? Let's break down The Credit Pros features one by one:
Bureau Disputes, Credit Interventions, and Inquiry Assists
The main feature of credit repair services like The Credit Pros is identifying and resolving inaccuracies on your credit report. While this is something that consumers can do for free, The Credit Pros can gather the evidence on your behalf, which can increase your chances that the credit bureaus strike the inaccuracy from your credit report.
It's also worth noting that the CFPB found that since the beginning of the pandemic, the credit bureaus have been less likely to respond to credit report disputes, especially those filed by third parties on behalf of their clients.
Letter Templates and Letters of Reference
The Credit Pros offer several letter templates you can use while building credit, such as cease and desist letters you can send a debt collector to stop contacting you about an outstanding debt. It also offers goodwill letter templates and letters of reference.
The former is a letter that asks a creditor to remove a negative mark on your credit report that they reported. The latter is a document describing your payment history, from an entity with whom you've done business.
Credit Builder Loan
This option, available exclusively with Success Plus, is a method of forced savings that offers installment loans in low dollar amounts (typically ranging from $500-$1,000) for high-risk borrowers working to improve their credit score.
There isn't much information about the credit builder loan publicly available other than that it reports payments to all three credit bureaus. Additionally, though not advertised on its website, calls with The Credit Pros indicated it provides a $5,000 line of credit for its Success Plus members for online shopping with National Credit Direct.
Note that you're paying $149 initially and an additional $149 per month for this service when there are other services that will help you build credit for less.
ID CoverⓇ Dark Web Monitoring
This identity theft prevention service — designed to limit damage associated with data breaches — allows a company like The Credit Pros to monitor its confidential information on the dark web and take action if/when there is a suspected attack.
It's worth noting that many of the best identity theft protection services offer dark web monitoring and many protection services for less money.
The Credit Pros Costs and Fees
Credit repair services from The Credit Pros come at a steep cost — $129 or $149 per month (the Money Management service doesn't include credit repair). After enrolling, new customers can expect to see another charge: the "first work fee" (or startup fee, if you will), a one-time charge ranging from $119-$149, depending on your chosen tier.
Despite the high cost of services, The Credit Pros advertises a 90-day money-back guarantee if the company is not successful in removing inaccuracies from your credit report within 90 days or sending credit disputes in the first 30 days of new service. Furthermore, customers may cancel for any reason within five days of enrolling and receive a full refund.
The Credit Pros Reviews and Ratings
Client reviews of The Credit Pros are largely favorable but consist of a small sample size. Nearly all (94%) of the customers who reviewed The Credit Pros gave it four or more stars. On Trustpilot The Credit Pros has a 4.9 out of 5 stars based on 965 reviews. Its BBB profile has an average rating of 3.83 from just over 144 reviews. The most common complaints among customers include a lack of results and difficulty canceling the subscription.
One highlight of Credit Pros' service is a stipulation in its refund policy that covers clients for deleted items that reappear on the client's credit report. In that event, Credit Pros will reinvestigate those items without any additional charge for life.
Credit repair companies are under strict regulations, from the language they use in their advertising to when they begin charging for services. Specifically, they cannot guarantee that they'll remove negative information on your credit report. They cannot charge you for any services until they've completed them. As such, lawsuits against credit repair companies aren't uncommon.
While The Credit Pros seems free from legal action surrounding the legitimacy of its charging practices, the company has been the subject of several lawsuits regarding the methods of advertisement. It was alleged — in Champion v. Credit Pros, 2022 WL 3152657 (D. N.J. August 5, 2022) — that The Credit Pros sent the plaintiff 56 text messages advertising its credit repair services even though his phone number was registered on the National Do Not Call Registry. It was ultimately determined that Founder and President Jason M. Kaplan, Esq., could be sued directly and personally for the texts sent by his company.
In 2021, a similar case was brought forward in New Jersey, as evidenced by Hancock v. The Credit Pros International Corporation, which alleged the making of pre-recorded voice sales calls and the sending of auto-dialed text messages to consumers without their consent. Similarly, in 2020, Warren v. The Credit Pros International Corporation alleged the company's violation of the Telephone Consumer Protection Act (TCPA), amended in 1991 to address widespread, and in many cases, unwanted, telemarketing practices.
The Credit Pros Alternatives
Compared to the other companies in our guide to the best credit repair services, The Credit Pros is solidly in the middle ground. It isn't the most expensive service, nor is it the cheapest. However, it does offer the most comprehensive refund policy we've seen with its reinvestigation policy.
Here's how The Credit Pros compares to other credit repair companies:
| Company | Price | Number of Disputes | Refund policy |
| The Credit Pros: Prosperity Plan | $119 monthly fee and $119 first work fee | Unlimited | Yes |
| Credit Glory | $299 setup fee and $99 monthly fee | Unlimited | Yes |
| Dovly Premium | $24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually) | Unlimited | No |
The Credit Pros vs. Credit Glory
The Credit Pros is significantly cheaper than Credit Glory. In fact, paying The Credit Pros' setup fee and monthly fee would still be cheaper than Credit Glory's setup fee alone. However, Credit Glory boasts outstanding customer reviews, receiving an average of 4.7 stars out of five across over 8,700 reviews on its Trustpilot page.
Read our Credit Glory review.
The Credit Pros vs. Dovly
Dovly Free is significantly cheaper than The Credit Pros, costing $24.99 monthly for Business Insider readers (originally $39.99 monthly or $99.99 annually). Dovly doesn't come with all the side features that The Credit Pros offers, but The Credit Pros doesn't offer anything you can't find elsewhere for less.
The main downside to Dovly's service is that it doesn't offer any refunds or money-back guarantees. However, it's worth noting that an entire year of Dovly costs less than The Credit Pros setup fees for any of its services.
Read our Dovly review.
Why You Should Trust Us: How We Reviewed The Credit Pros
We considered numerous factors in our review. First, the Credit Repair Organizations Act (CROA) mandates that credit repair companies cannot demand advance payment, must provide a contract in writing, disclose certain customer rights, and allow cancellation with no penalty for at least three business days.
We heavily weigh reviews, ratings, and customer satisfaction - BBB, TrustPilot, and CFPB complaints, if any.
Finally, we looked at the cost of credit repair. This includes the range of potential fees and how transparently they are disclosed in advance.
We also considered any additional features The Credit Pros may provide, such as credit monitoring and identity theft protection services. However, you can get cheaper, higher-quality services elsewhere. Check out our guides to the best credit monitoring and best identity theft protection services.
See our full breakdown of how we rate credit repair companies.
FAQs
How long does it take to see results with The Credit Pros?
Results will vary with any credit repair company, but many clients see improvements with The Credit Pros within 60 to 90 days.
Is The Credit Pros legitimate?
Yes, The Credit Pros is legitimate. In fact, Business Insider named it one of the best credit repair companies.
Can The Credit Pros remove negative items from my credit report?
The Credit Pros can challenge and potentially remove inaccurate or unverifiable negative items from your credit report. However, remember that no credit repair company can remove negative items that are accurate.
