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The Credit Pros Credit Repair Services

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AI-Driven Credit Repair Solutions
The Credit Pros provides credit-related education and helps customers identify and remove damaging errors on their credit reports.
Minimum Package Amount
$69 per month
Dispute Letters Per Month
Money-Back Guarantee
90 days from sign-up
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Best For

Individuals with damaging inaccuracies on their credit reports

Getting Started

Quick 90-second sign-up process to schedule a free phone consultation

Pricing Plans

Three (starting from $69/month)

Dispute Letters

Unlimited dispute letters to all three credit bureaus

Identity Protection

Credit monitoring and ID theft insurance at no extra cost

Available Loans

$5,000 line of credit and credit-builder loan

Established in 2009, The Credit Pros is an AI-driven, Inc.5000 credit repair company that helps Americans eliminate errors in their credit reports and even build their credit score from scratch if needed. It can provide you with a wide range of credit-education resources and credit-building tools, some of which we’ll talk about in The Credit Pros review below.

About The Credit Pros

Founded by Damon DeCrescenzo and Jason M. Kaplan in 2009, It makes use of an AI-driven personal credit management system to help customers identify and remove damaging errors on their credit reports.

Additionally, it offers credit monitoring services, identity theft insurance, and one-on-one consultations with certified FICO© professionals. The company also provides information and educational resources to clients who want to better understand their credit reports and score.

In order to get started with The Credit Pros, you simply have to complete a quick 90-second sign-up process, which involves providing some basic details such as your name and email address. After this, you’ll be able to book a free phone consultation with one of their credit specialists in English or Spanish, depending on which language you’re more comfortable in.

What is Credit Repair?

Credit repair is the process of improving your credit standing, especially if it has been negatively impacted by inaccurate or unverifiable information on your credit reports. Identity theft is another reason why credit repair might become necessary.

Many credit repair organizations help individuals improve their credit by disputing erroneous information on their credit reports with the three major credit bureaus in exchange for a fee.

The Credit Pros is one of the leading organizations in this sector, and some of its credit repair services include:

  • Unlimited dispute letters to all three credit bureaus every month.
  • Credit-builder loans and lines of credit.
  • Identity theft restoration and insurance at no extra cost.

On behalf of their clients, the company also sends cease and desist letters to debt collection agencies and goodwill letters to potential new creditors. These measures are aimed at making the client’s life easier while the credit repair process is underway.

In this The Credit Pros review, we’ll try to find out the efficacy of these services and how they can actually help you achieve your credit-repair goals.

How Does Credit Repair Typically Work?

The time-tested, AI-driven credit repair process implemented by The Credit Pros has helped more than 100,000 people in the U.S. improve their credit scores. Some of the steps involved in the credit repair process include the following:

  • A free phone consultation with an experienced credit specialist from The Credit Pros, followed by a thorough online credit evaluation.
  • An analysis of the client’s credit report to find any inaccurate or unverifiable items which might be damaging the credit score.
  • After this, The Credit Pros will contact each credit bureau and dispute all the erroneous items as many times as necessary.
  • The dispute process will continue until all the erroneous items have either been removed or duly updated to match the current status.
  • The Credit Pros also provides practical and actionable advice to improve clients’ credit scores through effective budgeting and timely bill payments.

Will a Credit Repair Program Really Improve Your Credit?

While no credit repair program can guarantee a specific improvement in your credit score, a well-designed program can certainly help with certain aspects of your credit, such as:

  • Dispute errors and inaccuracies on your credit report
  • Help protect against ID theft
  • Monitor your credit to help you stay focused on your credit-repair goal
  • Extend a credit-builder loan and report timely payments to the credit bureaus

So, while a high-quality credit repair program can certainly be helpful for large sections of the population, it will be most useful for those who have major inaccuracies or errors on their credit report.

How Long Will It Take to Repair Your Credit?

After you sign up with The Credit Pros, their experienced credit specialists will begin working with you within 3 to 5 business days.

Receiving Your Credit Reports

You should receive a copy of your credit report from all three credit bureaus (Experian, TransUnion, and Equifax) within 60 days of signing up with The Credit Pros. If you do not receive your credit reports by this time, you can contact the company for an update via phone or email.

Once you’ve received all three of the updated credit reports, you must mail or fax them to The Credit Pros office in West Palm Beach, Florida. Again, the credit specialists working on your account will be the only ones to see your credit reports.

Disputing Inaccurate and Outdated Items

Once you’ve submitted the credit reports and all other necessary documentation, the credit repair process can get off the ground. The Credit Pros will begin disputing the inaccurate and outdated items on your credit reports.

The credit bureaus will then have 30 days to investigate the dispute, during which they’ll decide whether or not the dispute has merit. If the dispute is successful, it’ll help improve your credit score as the negative item is removed from your credit report.

The Credit Pros can send an unlimited number of such disputes every month. The exact amount of time needed to repair your credit will depend on the types of negative or inaccurate items on your report as well as the overall complexity of your credit situation.

The Credit Pros Credit Repair Services

The Credit Pros offers three pricing tiers (or plans) to suit all budgets. These are as follows:

Money Management

At $69 per month (plus a first work fee of $119), the Money Management Plan is best suited to those who are new to building their credit and don’t have any major errors on their credit reports. It is designed to help you develop good credit habits that will help improve your credit score over time.

With the Money Management Plan, you can only monitor your TransUnion credit report, which may hinder your ability to spot future errors on the Equifax and Experian credit reports, which are just as important. A credit specialist from The Credit Pros will evaluate your credit report and help you create a customized plan for building credit.

The Money Management Plan will also give you access to certain other features, such as:

  • Identity theft insurance
  • Monitoring and alerts for your TransUnion credit report
  • Budgeting system
  • Bill reminders
  • Goodwill letters to potential new creditors


At $119 per month (plus a one-time first work fee of $119), this plan offers score updates and credit monitoring for your TransUnion credit report. It also offers unlimited disputes with all three credit bureaus, making it ideal for customers who have verifiable errors on their credit reports that are negatively affecting their scores.

It’s a good option if you want to improve your credit standing and remove inaccuracies from your credit reports on a budget. It can also help you with other credit-related problems, such as constant calling and harassment from debt collection agencies. In such cases, The Credit Pros will send cease and desist letters to the debt collectors on your behalf, providing you with some reprieve until you’ve improved your credit standing. If necessary, the company will also send goodwill letters to potential new creditors and debt validation letters to your existing creditors.

Aside from this, the Prosperity Plan also offers all the benefits included in the Money Management Plan, such as bill reminders, a robust budgeting system, and 24/7 access to your client portal.

Success Plus

This plan is ideal for those who have a more substantial budget and are serious about repairing their credit or building their credit up from scratch.

At $149 per month (plus a one-time first work fee of $149), this might be the best option for you if you have numerous errors or inaccuracies on your credit reports. One of the main benefits of the Success Plus Plan is that it’ll provide you with full monitoring coverage (along with alerts) of the three major credit bureaus rather than just TransUnion.

As a result, you’ll be able to keep track of any changes or updates on your credit reports, allowing you to always stay on top of the progress you’ve made on your credit-repair journey. You’ll also know immediately if any dispute has been successful or if any errors have been removed from your credit report.

Additionally, customers on the Success Plus Plan also have access to a credit-builder loan, which can help them improve their credit score even faster. Making timely payments on the credit builder loan will add another positive item to all three of your credit reports, further speeding up the credit-building process.

Aside from this, Success Plus users will also have access to all the benefits offered in the Money Management and Prosperity Plans.

Pros of The Credit Pros Credit Repair Services

The Credit Pros are one of the most popular credit repair service providers in the U.S. Here are a few reasons why so many people trust The Credit Pros with their credit-building needs.

AI-Driven Credit Repair Program

The Credit Pros offers a high-quality, AI-driven personal credit management system that helps customers stay on track with their credit-building goals. The system uses AI and business intelligence techniques to evaluate and analyze your credit reports and find the best ways to help you repair your credit.

Money-Back Guarantee

The Credit Pros offers a 90-day money-back guarantee, providing new customers with a risk-free way to try out their services. If you’re not happy with the value they provide, you can cancel your subscription within 90 days of signing up and receive a full refund, as long as you haven’t hired any other credit repair firms within the last 180 days.

Credit-Builder Loan

The Credit Pros offers customers on the Success Plus Plan access to a credit-builder loan. Customers can improve their credit score faster by making timely repayments on this loan. These timely repayments are reported to all three of the credit bureaus, thus adding a positive account to the customer’s credit reports.

Credit-Monitoring Facilities

Customers on the Success Plus Plan can monitor their credit score with all three credit bureaus, which can help them spot inaccuracies and avoid identity theft. The Money Management and Prosperity plans also offer credit monitoring facilities, but these plans will only monitor your credit on TransUnion.

FICO-Certified Credit Professionals

Signing up with The Credit Pros will give you the opportunity to have one-on-one consultations with a FICO-certified credit professional. This expert advice can help you repair your credit and increase your credit score much faster than you could have accomplished on your own.

Unlimited Disputes

If you have a number of damaging errors or inaccuracies on your credit reports, then The Credit Pros will send an unlimited number of dispute letters to all three credit bureaus on your behalf. This will help you to get the inaccuracies removed from the credit reports faster, which will, in turn, improve your credit score.

Budgeting System and Bill Reminders

Lastly, The Credit Pros also offers a robust budgeting system and bill reminder alerts to help you build better financial habits and maintain a high credit score in the future.

Cons of The Credit Pros Credit Repair Services

Despite their popularity, the credit repair services from The Credit Pros do have certain drawbacks. And our The Credit Pros review wouldn’t be complete until we’ve told you exactly what these cons are and how they might affect you if you choose to purchase their services.

High Initial Costs

The costs associated with starting your credit repair journey with The Credit Pros can be quite steep, especially with the one-time first work fee they charge on top of their monthly subscription fee.

Additionally, the first pricing tier (Money Management) doesn’t help you remove inaccuracies from your credit reports, so you’ll have to choose the Prosperity Plan, at the very least, if you have any verifiable errors on your credit reports.

Limited Availability

Another limitation of The Credit Pros is that it doesn’t provide credit repair services in all U.S. states. For instance, Maine, Georgia, Kansas, Minnesota, California, and Oregon are some of the states where The Credit Pros services are not available.

Time Requirement

While The Credit Pros can help speed up your credit repair journey with their credit monitoring and unlimited disputes, the time requirement can vary significantly depending on the complexity of your credit situation and the types of items on your credit reports. If you have a complicated credit history or many complex credit issues, then the process of credit repair might take much longer for you.

How Much Do the Credit Pros Credit Repair Services Cost?

In order to make their services accessible to a wide cross-section of people, The Credit Pros offers three different pricing tiers.

  • The most affordable tier, known as the Money Management Plan, is best suited for beginners with a limited budget and no major errors on their credit reports. It costs $69 per month (plus a one-time $119 first work fee).
  • The middle tier is called the Prosperity Plan and is a good option if you want to remove some damaging errors on your credit report without putting a major dent in your wallet. It costs $119 per month (plus a one-time $119 first work fee).
  • The most expensive tier is known as the Success Plus Plan and is designed for those who are serious about repairing their credit and have allocated a substantial budget to this goal. It costs $149 per month (plus a one-time $149 first work fee).

Can You Cancel Your Credit Repair Services with The Credit Pros?

Yes, you can cancel your Credit Pros subscription at any time without having to pay any cancellation fee. Typically, customers cancel their subscription once they’ve achieved their credit repair goals (such as improving their credit score and removing errors from their credit reports).

If you’re unsatisfied with the quality of the service and end up canceling your subscription within 90 days of signing up, you may even qualify for a full refund. However, only customers who’ve purchased the Prosperity or Success Plus plan are eligible for a full refund.

Request a Free Consultation with The Credit Pros

Want to learn more about The Credit Pros and their credit repair services? All you have to do is schedule a free consultation with one of their credit specialists, who will evaluate your credit situation and help you understand what kind of credit repair services will be the most beneficial for you.

To make sure their customers can communicate their credit-related problems in the language they’re most comfortable in, The Credit Pros offers this free phone consultation in English as well as Spanish.

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