The Credit Pros Review 2022 | Fees, Complaints & More

The Credit Pros is not your average credit repair financial technology firm. They help clients remove inaccurate, erroneous, and unverifiable information from their credit history. Read on to learn more about the company background, reputation, services, plans on offer, and fees, among others.

Company Background

Jason M. Kaplan and Damon DeCrescenzo founded The Credit Pros in 2009. This Newark, New Jersey-based financial technology firm has an experienced team of FICO professionals and is dedicated to helping clients avoid credit mistakes. The Credit Pros has served over 100,000 clients. It has been ranked among America’s 5,000 fastest growing financial technology firms by the Inc. Magazine.

Reputation, Complaints & Ratings

There are a lot of online reviews of The Credit Pros on the internet, most of them positive. As of August 2022, over 1,700 customers have posted ratings and reviews on the Better Business Bureau, Google Play store, Trustpilot, Yelp, Google, and the Apple iTunes store. The Credit Pros has maintained a steady rating above 4 stars on all but one of these websites. On Yelp, The Credit Pros only had a 2-star rating with 29 reviews.

  • BBB Rating: A+
  • BBB Complaints: 71 complaints closed in last three years 
  • Trustpilot ⭐⭐⭐⭐⭐ (4.7/5) Based on 284 reviews
  • Consumer Affairs: ⭐⭐⭐⭐ (4.1/5) Based on 39 Reviews 
  • Best Company:  ⭐⭐⭐⭐⭐ (4.6/5) Based on  409 reviews
  • Google Play (The Credit Pros App): ⭐⭐⭐⭐ (4.3/5) Based on 691 reviews, 10K+ downloads
  • Apple iTunes store (The Credit Pros App): ⭐⭐⭐⭐⭐ (4.6/5) Based on 261 reviews
  • Facebook: 7.700  followers 
  • Google: ⭐⭐⭐⭐ (4.0/5) Based on 377 reviews

What Credit Repair Services Do They Offer?

The Credit Pros offers several services that can help with the various aspects of your credit journey. They help repair bad credit by identifying negative items on the credit report and disputing them. They also track the progress of their dispute efforts. The company offers free one-on-one support and consultation from credit specialists. You will get individual help to guide you through the credit repair process.

In addition, you will get access to their free mobile app that allows you to check your progress and account on the go. The company doesn’t just offer credit repair; they also provide you with access to TransUnion alerts and credit monitoring services, such as Dark Web monitoring. You get to keep an eye on your credit health and credit report changes.

The company offers bill reminders and budgeting tools if you are looking to get your financial health back on track. FICO experts at The Credit Pros will educate you on the steps you need to take to maintain long-term credit health during the free initial credit consultation.

The Credit Pros offers personal consultation with certified FICO professional, unlimited dispute letters, goodwill letters, debt validation letters, and 24/7 access to their portal via desktop or mobile app. These are a few tools you can gain access to:

  • The Credit Sentry:
    Credit alerts and monitoring
  • ID Cover: 

    ID monitoring and theft protection


    AI-powered solutions

  • Cash Rules:

    Create a money management plan through a personal finance management application

The Credit Pros also assures clients that:

  • Services can be canceled at any time
  • Nobody at The Credit Pros guarantees a specific outcome or over-promises. There are no guarantees, such as guaranteed deletion of credit card charges or automatic good credit
  • Client’s private information is secured and protected with staff and digital systems
  • You will receive professional, prompt, and courteous responses to your requests

There is a 90-day money back guarantee. You can get your money back if the company is unable to remove questionable items from the credit report within a 90-day period. You can ask for the money back even if the company is unable to send credit disputes within 30-days of you enrolling into their services.

There are certain things that The Credit Pros doesn’t offer. For instance, they don’t offer debt management and debt consolidation services. The company can help you dispute inaccurate or erroneous negative items on the credit report. However, they cannot remove any accurate items. 

You shouldn’t expect The Credit Pros to settle your debt if you have missed several credit card payments or bankruptcy. They won't negotiate on your behalf with credit bureaus either.

Basic Plans

There are three plans offered by The Credit Pros with different services included in them:

Money Management

This is the lowest credit repair plan. It is for people with verifiable errors on their credit reports. However, credit monitoring and score updates are only available for TransUnion.

Prosperity Plan

The Prosperity Plan is a better option if you are serious about repairing your credit. Credit bureau challenges, cease and desist letters, creditor interventions, and letter of reference are a few additional services you get access to.

Success Plus Plan

The Success Plus Plan is the best option if you are serious about building credit. All services offered by The Credit Pros is available with this plan. Again, you get access to only TransUnion scores and monitoring updates. This is a major drawback of the company.

The Credit Pros Fees

There are different rates for the three subscription plans offered by The Credit Pros. These are:

  • Money Management: There is a $119 first work fee and a $69 monthly membership fee
  • Prosperity: There is a $119 first work fee and a $119 monthly membership fee
  • Success Plus: There is a $149 first work fee and a $149 monthly membership fee

The best part about choosing The Credit Pros is that they offer a 90-day money back guarantee if they are unable to remove erroneous or questionable items from the credit report.

What I Like About The Credit Pros

The Credit Pros is an excellent choice for credit repair. I like that they have trained and certified FICO professionals on their team who offer sound advice on building credit instead of just repairing it. They offer useful credit building tools with all three packages, which can prevent you from damaging your credit in the first place. It is hard to come across a company that offers such features, customer support, and comes highly rated.

Other things to like include their 90-day money back guarantee. Other credit repair companies and the closest competitors of The Credit Pros don’t offer this service. You can ask for a refund after 90 days if the company is unable to remove the identified items from your credit report. There is a 30-day money refund clause as well. You will get your money back if credit dispute letters are not sent within 30 days of you enrolling.

What I Do Not Like About the Credit Pros

The packages are a bit expensive. You won’t find credit repair tools at an affordable price. In addition, the tools offered at that price point are not enough. The money-back guarantee comes with strings attached. Make sure you discuss the clauses before signing up during the initial consultation.

Another major drawback is that The Credit Pros doesn’t offer credit monitoring or alert service with Equifax and Experian. They solely deal with TransUnion which doesn’t really provide a wholesome and complete picture. There have been some mixed reviews about the company, especially if you look at Yelp.


Is The Credit Pros Trustworthy and Legitimate?

The Credit Pros operates out of West Palm Beach, Florida with headquarters in Newark, New Jersey. This is a legitimate company which has been around since 2009. They have helped repair the credit of over 100,000 clients and counting since inception.

Have There Been Any Legal Or Regulatory Actions Against The Credit Pros?

There haven’t been any legal or regulatory actions filed against The Credit Pros as per the Consumer Financial Protection Bureau. This doesn’t necessarily mean that the company doesn’t have any disgruntled customers who never chose to come forward. However, the company has a fairly good track record and has received an A+ rating from the Better Business Bureau.

Does The Credit Pros Service All 50 States?

No, The Credit Pros doesn’t offer service in all US states. Their service is not available in California, Maine, Kansas, Minnesota, Oregon, Georgia, and South Carolina.

What Happens After I Sign Up with The Credit Pros?

You will be assigned specialists that will begin working on your credit report within 3-5 business days. They will send letters to address inaccurate items on the credit reports. They will apply for your credit reports, which will be sent to your home. You will be responsible for mailing the reports to The Credit Pros.

Can I Contact the Credit Pros On Weekends?

The Credit Pros cannot be contacted on weekends. They are reachable by phone, email, and live chat feature 9 am to 8 pm (EST) Monday through Friday.

About the author Greg Lorenzo

Greg is a financial expert who has been advising his audience on loans for over 10 years. He has a wealth of knowledge and experience in the area, and he is passionate about helping people get the best possible deal on their loans. Greg is an expert in negotiating loans, and he has a proven track record of getting his clients the best possible terms. He is also a strong advocate for financial literacy, and he regularly gives workshops and seminars on the topic.

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