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The Credit Pros: Guaranteed Debt Relief for the First 90 Days

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The Credit Pros: Guaranteed Debt Relief for the First 90 Days
A review of the debt relief service of The Credit Pros.

Published On: July 4th, 2024

For many people who struggle with their finances, and who face the hassle of debt collection calls, it can be hard to find a company that can help them get rid of burdening debt and manage their credit adeptly. This is, however, exactly what The Credit Pros claims to do. Since 2009, they have managed to build a large foundation of over a million customers through their credit repair assistance and the later addition of debt relief services.

In this review, we'll delve into the many services they offer with a particular focus on their debt-relief program. We will also explore the company's pricing, highlight the benefits of their services, and consider any potential drawbacks. Additionally, we'll examine their customers’ opinions of them, so you can get a hands-on view of what to expect from them.


90-day money-back guarantee
Free consultation
No upfront fees
User-friendly mobile app


Debt relief fees not disclosed
No IAPDA accreditation
Not available nation-wide


Quick Stats

Credit Score Impact
Program may lower score temporarily
Average Net Savings
BBB Rating
Minimum Debt Required
Money-Back Guarantee
Available within 90 days
24 to 48 months
Money-Back Guarantee
Trustpilot Score
Customer Experience

Overview of The Credit Pros

The Florida-based company first opened in 2009 with a declared mission of helping regular people improve their credit scores by disputing errors on their credit reports. In the last decade, they succeeded in reaching out to over a million Americans, across 46 states and Washington, D.C., who needed to repair their credit history and increase their credit scores. 

The company used to only provide credit repair, identity theft protection, and credit monitoring services before venturing into providing debt relief, debt consolidation, and budgeting services as well. Their debt-relief program typically involves a thorough assessment of your financial situation through a free consultation session, followed by a personalized debt-relief plan tailored to fit your needs, all the while providing you with financial support and education. 

It's worth mentioning that the company has faced legal challenges related to business practices. They have been involved in several lawsuits, including allegations of violating the Telephone Consumer Protection Act (TCPA) by sending unsolicited text messages and making auto-dialed calls to consumers without their consent. 

That said, they have earned an A+ rating from the Better Business Bureau (BBB) although they are not accredited by the Bureau. Their team of credit specialists is also certified by the National Association of Credit Services Organizations (NACSO). Keep in mind, though, that the company lacks accreditation from the International Association of Professional Debt Arbitrators (IAPDA), which is often seen as a mark of professional training and adherence to industry standards.

Types of Debt Covered by The Credit Pros

Their debt-relief efforts are directed at the following types of unsecured debt:

  • Credit card debt
  • Medical bills (with a maximum 30% in medical debt)
  • Personal loans
  • Private student loan debt
  • Business debt
  • Repossessions
  • Lines of credit
  • Payday loans
  • Collections

If you’re wondering whether you qualify for their debt-relief program, you must owe a minimum of $7,500 in one or more of the debts mentioned above. For most of their client base, the program typically lasts between 24 and 48 months. 

Services Offered by The Credit Pros 

The company offers multiple debt relief options, which we detail in this section. They also offer many credit repair services, which we expand on in our dedicated credit repair review. Their debt relief services are as follows:

  • Free debt consultation: They provide everyone who reaches out for their support with an initial consultation session to assess their financial situation. This will help you get acquainted with their process and debt-relief options, and thus decide the best course of action for your needs
  • Debt settlement: Here they negotiate with your creditors, like the credit card companies, to reduce the amount you owe them by convincing them to lower your overall debt load and make payments more manageable
  • Debt consolidation: Through this service, they can help lower your financial burden by combining multiple debts into a single manageable payment with a lower interest rate. That said, they don't seem to help you get a debt consolidation loan. This would likely be something you must secure on your own by approaching applicable financial institutions, like credit unions, and discussing your needs and loan payment options
  • Budgeting assistance: Their services include financial counseling and providing you with budgeting advice to help you manage your finances more effectively, to prevent future debt accumulation

Pricing & Fees at The Credit Pros

The company follows a success-based fee structure for their debt relief services. Such performance-based fees mean that you only incur fees when the company successfully negotiates a reduction or a consolidation in your debt. They would take an amount of your debt payments, which you would typically feed into an escrow account through monthly payments.

They, however, do not clearly disclose the exact costs of joining their debt-relief program. Instead, they declare that you will get savings and fee estimates instantly during your initial free debt consultation appointment. They also stress that you will not be charged any fees until your accounts are settled. Additionally, our research shows that they don’t request upfront fees.

Conversely, each of their credit repair plans is advertised with its own cost structure. The Money Management plan costs $69 per month with a one-time first-work fee of $119. The Success Plus plan is priced at $149 per month with a $149 first work fee, while the Prosperity plan costs $129 per month with a $129 first work fee. These fees cover the services provided within each tier, ensuring you have access to credit-building tools, dispute services, and credit monitoring.

Advantages & Disadvantages of The Credit Pros

In this section, we break down the main advantages and disadvantages you need to know before considering The Credit Pros.


  • Money-back guarantee: The company guarantees you will get your money back within the first 90 days of enrolling in any of their programs. This means you will get a full refund if they fail to consolidate or relieve your debt
  • Free consultation: They promise a free initial debt consultation and credit review allowing you a closer look into their options and to receive expert advice without any obligations on your part
  • Credit-building tools: They offer a range of credit-building tools, including a credit-builder loan, which can help you repair the damage that your credit score is likely to take due to the debt relief
  • Innovative technology: They emphasize their commitment to technological innovation by adopting the latest technology, as evidenced by their AI-powered platform and client dashboard 


  • Fees undisclosed: While they operate on a success-based fee structure for their debt relief programs, they do not disclose specific percentages or fee ranges on their website. This lack of transparency makes it challenging for you to fully understand the costs involved 
  • Limited state availability: Even though the company offers services in 46 US states in addition to Washington, DC, they are not available to residents of Maine, Minnesota, Kansas, and Oregon
  • Mixed reputation: As previously stated, the company is not accredited by the International Association of Professional Debt Arbitrators (IAPDA), which may raise questions about their adherence to industry standards. Further, they are, as yet, not accredited by the Better Business Bureau (BBB), and have had their TrustPilot score removed over allegations of fake reviews

The Credit Pros Client Experience 

The company has mixed reviews across various online platforms overall. On the BBB, they hold an A+ rating with a customer review rating of 3.5 out of 5 stars. Their rating on Google reviews, however, is higher at 4.2 out of 5 stars. As for their Trustpilot page, they currently have no review score due to suspicions of fake reviews.

Positive feedback

Many reviewers complimented the attentiveness of the company’s customer service and their knowledgeable staff when seeking their debt relief services. Many noted that they had received personalized care. Another common feedback is the company’s dedication to educating clients on various financial matters. 

Critical feedback

Despite the positive experiences mentioned above, negative reviews cited issues such as unexpected fees, slow program progress, and challenges with communication. Some clients voiced concerns over the handling of funds and a lack of transparency regarding the fees associated with their services. Others expressed dissatisfaction with the outcomes, mentioning that they did not see the expected results within the promised timelines. 

Customer Support at The Credit Pros

There are several ways to contact them. For phone support, call 800-411-3050, and for emailing, send to

Their office is located at:
7754 Okeechobee Blvd, #765, 
West Palm Beach, FL 33411.

Their business hours are 9:00 AM to 8:00 PM EST, Monday through Friday. They also offer a live chat feature on both their website and app, allowing you to interact with a representative in real-time for immediate queries or concerns.

They provide extensive training materials and resources to help you better understand finance in general and their services in particular. These resources include educational articles and credit-building tools, which are tools provided to you by the company’s affiliates. They also have a dedicated Numbers page where they list debt collector and spam caller numbers, along with a support hotline at 888-488-5855 for assistance on these matters.

Final Thoughts 

In conclusion, The Credit Pros’ specialties are diverse and far-reaching. They strive to address the average person’s concerns and life struggles and offer to help them lighten some of their weight. Since 2009, they have operated in as many as 46 states and Washington, DC; their services are not available in Maine, Minnesota, Kansas, and Oregon. Their offerings are spread between debt relief services, including debt consolidation, and the credit repair services they offered at their founding.

Their notable features are the free initial consultation and a 90-day money-back guarantee. However, their fees for debt relief services are not transparent, which may be a concern for prospective clients. On the other hand, their credit repair costs, although disclosed, are priced comparably higher than some competitors. Their clients share mixed feedback, highlighting both positive experiences with customer service and effective credit repair alongside criticisms like communication issues, unexpected fees, and delayed outcomes. 

For further insights, visit our debt-relief reviews page and use our comparison tool to see which company best meets your needs. You can also read our blogs for interesting articles on debt relief topics and more.

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