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The Credit Pros

The Credit Pros Review: Are They the Credit Repair Company for You?

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The Credit Pros Review: Are They the Credit Repair Company for You?

The Credit Pros is a well-known credit repair company founded by Jason M. Kaplan in 2009. Kaplan is a distinguished credit expert and lawyer who specializes in the Fair Credit Reporting Act. The company provides hope for those who want to improve their credit scores. But is it the right choice for you? Keep reading to find out.


Bilingual services available
Financial management tools are included with all credit repair packages
Credit monitoring comes as a standard service
AI-based credit management tools


No 24/7 phone support
Basic credit repair package only includes one credit dispute
High initial fees

Quick Stats

BBB Rating
You can cancel at any time
Customer Service
Phone, email, live chat, mobile app, help guides
Initial Fees
Starting from $119
Money-back guarantee
Monthly Fee
Starting from $69/month

The Credit Pros in Brief

The Credit Pros in brief

The Credit Pros is one of the top credit repair companies and stands out for its AI-driven services, employing machine learning to assess data, identify patterns, and make informed decisions. Their offerings include clear credit reports, personalized score insights, and valuable tools for better comprehension and progress. With multiple budget-friendly packages, their team boasts acclaimed counselors and FICO experts.

The company has received mostly positive reviews from clients, with very few complaints. However, there have been some complaints filed with the BBB regarding the company's inability to remove certain elements from clients' credit score history. Despite this, the company's customer service is reliable, with friendly and helpful representatives available to discuss credit scores, lines of credit, debt consolidation, and more. 

The services offered by the company are the following:

  • One-on-one action plan with a certified FICO Professional
  • ID theft restoration and insurance
  • Cease and desist letters to collection agencies
  • 24/7 access to the client portal
  • Debt validation letters to creditors
  • Goodwill letters to creditors
  • Unlimited dispute letters

How Does the Credit Pros Work?

To get started, just visit their website and select your preferred language. They offer consultations in both English and Spanish. You can then schedule a free consultation session with their team at a time that suits you. During this session, you'll have the chance to meet with a specialist and have a one-on-one conversation. It's a simple process that can help you get the information you need.

These are the five main services that the company offers:

  • Identifying inaccurate credit items and getting them removed to increase your credit score
  • Credit counseling
  • Credit education resources and tools
  • Outline of written material that covers credit scores and other valuable info
  • Informing you of your legal rights according to the law

After the free consultation session, you will have the option to select a plan that suits you and begin making payments. Once the payment is processed, the company will start working on your behalf to remove harmful items from your credit history, such as:

  • Negative payments
  • Inaccurate payments, including late charges
  • Collections
  • Foreclosures
  • Bankruptcy
  • Library fines
  • Charge-offs
  • Medical bills

After signing up with The Credit Pros, the company will take the next step of contacting your creditors and credit bureaus to correct any inaccurate information. This will be achieved through the issuance of dispute and validation letters and providing proof where necessary. The company will also release cease, desist, and goodwill letters to the relevant collection agencies. The cease and desist letters are crucial in asking the agencies to stop any collection process while the matter is still in dispute. Additionally, the company offers a plan called the Prosperity Plan, which provides unlimited disputes with all three credit bureaus each month, as well as access to cease and desist letters and creditor interventions.

You can easily track the progress of your case by logging into the company's online portal, which is accessible through either their website or mobile app. This portal offers finance tools, as well as 24/7 case tracking. If you need assistance with anything, you can reach out to their support team through their support portals.

The Credit Pros Pricing

Their monthly fees may be a bit higher than other companies. However, the number of services that they offer with each package is much more than those of any other company. Here are the packages that they offer and their prices:

Money Management: $69/month

The Money Management plan is available at a monthly cost of $69, with an initial work fee of $119. This plan includes essential tools that can help improve your credit score, such as credit and identity monitoring, unlimited monthly disputes, and planning tools. Additionally, you can benefit from debt management services that are designed to assist you in becoming debt-free and maintaining good credit long-term.

They also offer various debt-related solutions, including avalanche and snowball methods. However, please note that this plan only includes one debt repayment account. If you require multiple accounts, you will need to opt for a more expensive package.

Prosperity Package: $119/month

The Prosperity Package is ideal for those with debt from multiple sources. It costs $129 per month plus a $129 setup fee and includes the below-added benefits:

  • Credit bureau challenges
  • Creditor interventions
  • Cease & desist letters
  • Letter of reference

Success Plus Package: $149/month

The Success Plus plan is available for $149 per month, along with a $149 first work fee. It includes all the features of the previous plans, plus additional benefits such as financing through National Credit Direct and a credit loan builder line of credit. This program is designed to assist customers with little or no credit in purchasing household items while simultaneously improving their credit.

Customer Service

The company strives to provide their customers with the best service and support possible. They offer phone, email, and live chat customer support, along with a FAQs section and blog articles to learn from. Their phone support is available from Monday to Friday, 9:00 AM to 8:00 PM EST, and you can also contact them via email at [email protected].

If you prefer live chat, you can always contact their support team during their working hours. Additionally, they offer a great mobile app for both iOS and Android smartphones. The app lets customers track their progress, view reports, and receive push notifications when score changes are detected. 

Company Reputation

While there are mixed customer reviews for this company, the good news is that there haven't been any regulatory or legal actions filed against the company, according to the Consumer Financial Protection Bureau, the government agency that oversees the industry. This means that the company has a good track record of providing quality services to consumers. However, some customers have filed complaints through unofficial channels, and there are a few things to be aware of.

They have an A+ rating with the Better Business Bureau but have received close to 100 customer complaints and reviews. Complaints against The Credit Pros on the Better Business Bureau (BBB) include issues like poor customer service, unmet promises, high fees, and difficulties in canceling services. While some customers have faced these problems, others have reported positive outcomes, experiencing credit score improvements with the company's assistance.

The average review score is a decent 3.91 stars. On Google, they have a 2.3-star rating. The most common complaint from customers is a failure to see any negative items removed from their credit report. However, when it comes to customer reviews on Trustpilot, the company fares much better. With an average rating of 4.5 stars across hundreds of reviews.

Credit repair companies do their best to remove inaccurate information from your credit report and guide you through the credit repair process. However, no company can promise a specific result. That is why they offer free repair consultations where you can ask the company beforehand which items on your report are likely to be disputed and which are not. If you're considering working with The Credit Pros, conducting thorough research is crucial, and it's important to be aware of potential concerns, such as customer service issues, unfulfilled promises, high costs, and challenges with canceling services.

Contract Duration

This company offers monthly plans that do not require a contract. You can cancel your subscription at any time, but you must contact the company before your next payment is due. If you fail to do so, you'll have to wait an additional month to cancel your subscription.

Final Verdict

The Credit Pros is a reputable credit repair company that offers a variety of services to help clients improve their credit scores. The company's AI-assisted credit repair services, transparent pricing, and money-back guarantee make it an attractive option for those looking to repair their credit. The Credit Pros has a range of packages to choose from based on your budget, and its team includes some of the most well-known counselors and FICO experts in the industry. The Credit Pros' big selling point is its variety of services, but these do come at a somewhat higher price point than simpler packages by competitors.

The Credit Pros is a good choice for those who are looking for a credit repair company with a record of success in credit monitoring services and positive customer reviews. Additionally, The Credit Pros offers a 90-day money-back guarantee if they are not successful in removing inaccuracies from your credit report within 90 days or sending credit disputes in the first 30 days of the new service. Customers also have the option to cancel within five days of enrolling and receive a full refund. For those seeking AI-assisted credit repair, transparent pricing, and a money-back guarantee, The Credit Pros is a solid choice.

If you would like to continue your search to see what else is out there, we recommend you do your own research through our online comparison tool and visit our reviews page and blog to find the best credit repair company for you.

Claim Your Free Credit Repair Consultation Now

How long does it take after I sign up to receive my credit reports?
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Does Credit Pros offer any discounts for couples, families, or military service?
Can deleted items reappear on your credit report after a seemingly successful repair?
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