the credit pros logo the credit pros review

Monthly Fee


$119 - $149 / month

Additional Fees



Credit Evaluation



Service Speed


Within 60 days

Editorial Rating

The Credit Pros Review

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Monthly Fee


$119 - $149 / month

Additional Fees



Credit Evaluation



Service Speed


Within 60 days

In Business Since



BBB Rating



Guarantees / Warranty



ID Protection



the credit pros logo the credit pros review

Editorial Rating

Are you looking to improve your credit

Credit cleaners like The Credit Pros provide affordable and effective credit repair services to help you reach your financial milestones. The Credit Pros reviews online praise the ease-of-use and personal, customer-centric approach.

But do the Credit pros really the best credit repair services? Let’s find out:

The Credit Pros Review: Everything You Need to Know 

Poor credit scores come with many repercussions — from pricier credit cards to higher insurance costs, worse rates on mortgage and auto loans, and even trouble finding a job (29% of employers check your credit rating.) So, it’s never too early to improve your credit. 

The Credit Pros portal can give you personalized insights and practical strategies to improve your credit report.

What Is The Credit Pros Best For? 

A lot of information goes into your credit score, and different strategies will work for different people. The Credit Pros is an AI-powered website and app that provides personalized advice to improve critical factors like your payment history and credit utilization rate.

It’s an easy-to-understand and beginner-friendly service, perfect if you want to improve your credit but you aren’t well-versed in credit laws and rules and therefore can’t make your own debt management plan. Note, however, that they don’t offer debt consolidation loans.

How to Get Started

To begin your journey toward better credit, go to, and schedule a free consultation. The expert will go through your report to find any inaccurate items. This is an essential step to improve payment history — some of the most damaging credit items on your account might be removable.

Once you’re a user, you can log in to your profile to keep track of your credit score and get insights and tips to improve it. The Credit Pros app takes that information on the go. Both platforms are easy-to-use and very intuitive.

The Credit Pros Services 

What exactly does The Credit Pros do to improve your credit? Check out their essential services: 

Credit Score Breakdown

The Credit Pros gives you an up-to-date credit rating with an easy-to-read breakdown of its key features. In your client portal, you can also see an overview of the progress you made and the steps you can take to boost your credit even more. Since the Credit Pros don’t perform a hard inquiry on your credit report, the updates won’t affect your score.

Action Plan for Better Credit

From the get-go, you get a thorough consultation with a certified FICO professional. They’ll look into your credit report, evaluate items, and start working on removing the most damaging ones.

As a consumer, you have rights you might not be invoking. The Credit Pros specialists can pinpoint these and use them to dispute certain debts and improve your payment history. 

Correspondence With Creditors

The Credit Pros can send out:

  • Cease and desist letters to collectors
  • Debt validation letters
  • Goodwill letters
  • Dispute correspondence

The company has a plan with unlimited monthly disputes, one of the main perks of choosing their services. The number of damaging, but potentially removable items will vary from person to person, so this feature is perfect for helping you tackle them in the shortest amount of time possible. 

Credit Education Tools

Pro credit repair is just one part of the equation. There are simple and effective techniques you can use yourself to improve your score. But, we’re not taught any of them in school, and it can take time to research your options. The Credit Pros’ website features useful articles on plenty of topics, including debt consolidation, debt settlement, how to pay down credit card balances, etc.

The Credit Pros client panel further provides personalized credit score insights and AI-powered tips to help you implement the right strategy for you. 

The Credit Pros Cost

There are four pricing tiers for The Credit Pros services, but the lowest tier isn’t actually for credit repair services.

Instead, the CreditSentry Monitoring plan ($19/month) will provide your TransUnion credit score and a full updated record with insights. It also includes their complete package of ID protection services. 

You can use the monitoring package to keep track of your credit improving strategies. But, if you want The Credit Pros to do credit clearing for you, you have these options:

Money Management Package ($69/Month)

With the lowest tier for credit repair, you get full credit monitoring and ID protection and repair services. The TCP legal framework price is also included in the monthly membership, as well as limited debt validation letters and snowball/avalanche debt system for one item. 

Prosperity Package ($119/Month)

With the prosperity package, the snowball/avalanche system is available for all your items (so you can plan your credit management more effectively.)

Success Package ($149/Month)

With the Success Package, you receive everything from the lower-priced plans plus additional discounts, including a discount on medication and special credit offers. 

Customer Support 

The Credit Pros support was easy to reach, and the support team did answer our questions quickly. That said, some people have complained that The Credit Pros phone number wait times have been high and that some salespeople were overly pushy. This is an issue for most companies in credit repair, but it’s still offputting to some. 

The Credit Pros Reviews by Users 

The Credit Pros reviews on consumer sites are generally positive, though there are some frequent complaints. Here’s a rundown of The Credit Pros reviews in 2020

The Positives

The Credit Pros BBB rating is A, and they enjoy a solid reputation on the site. The same goes for The Credit Pros reviews on Reddit and other popular social platforms. People enjoy the straightforward and honest advice, as well as the effectiveness of the service. Most users mention in their The Credit Pros reviews that it took them time to improve their credit rating, but once they did, the change was sustainable. The ease-of-use and affordability of the service are other aspects people praise.  

The Negatives

In the majority of the Credit pros complaints, the clients mentioned that the results took too long or weren’t as impressive as expected. It’s important to remember that not all bad credit can be removed from your history — actual debt, for instance, is not removable. It does take time to improve your score. But, the sooner you start, the sooner you’ll see results. 

Our Verdict 

With clear and honest advice, unlimited dispute letter plans, and an intuitive interface, The Credit Pros is one of the best credit repair services online. The company also stands out with its commitment to ID privacy and a large number of positive user reviews. According to some users, they stand to improve their customer service, but otherwise, there’s no reason why you shouldn’t try them out to improve your credit. You can start with a free consultation and see how it goes from there.

Alternatives of The Credit Pros

While The Credit Pros is among the best credit cleaners of 2020, the company is far from your only option. Here’s how they stack up

The Credit Pros vs Lexington Law

Lexington Law’s online credit repair is effective, and well-liked by users for the personal paralegal attention. Their pricing, however, is a bit higher than The Credit Pros. The basic credit repair package by Lexington Law is Concord Standard for $85.95 per month. The Credit Pros pricing tiers start at $69 and include full ID protection, which Lexington’s plan doesn’t. 

The Credit Pros vs Sky Blue Credit Repair

While Sky Blue is an affordable credit repair website, their fees are still higher than The Credit Pros. The company does offer some unique perks, though, such as fast dispute processing and they are the only ones to offer a results guarantee. Unlike The Credit Pros, though, they don’t offer identity theft protection, so you’ll have to keep an eye on your score and credit activity yourself.

Final Thoughts

The Credit Pros reviews online are divided — some swear by the service, others aren’t as happy with the results they got. While the positive opinions are much more, there is an important lesson to be learned from the negative ones — bad credit can take some time to improve, so be patient, consistent, and realistic about your expectations. Our The Credit Pros review confirms that the outfit can help a lot on your journey toward better credit.


  • Cancel anytime
  • Mobile access with The Credit Pros app
  • Understandable credit reports and insights
  • Consultations available in English and Spanish
  • Reports updated every 60 days (at no extra cost)
  • Identifying the beneficial and damaging credit items
  • Free consultation with an expert (no strings attached)
  • Identity theft protection and insurance, including dark web monitoring


  • Customer service complaints from some users
  • Not a quick fix; takes several months to start seeing changes
the credit pros logo the credit pros review

Editorial Rating

FAQ About The Credit Pros

What is The Credit Pros?

The Credit Pros offers credit repair services to boost your credit score and improve your loan options (among other benefits of good credit.) A FICO certified specialist will provide a personalized plan to reach your financial goals, identifying removable negative credit items, and disputing them. In The Credit Pros website and app, you can keep track of your score and progress with up-to-date credit reports at no extra cost.

Is The Credit Pros Legit?

Yes, The Credit Pros is a legitimate credit cleaner service with an A+ rating from the Better Business Bureau and thousands of happy customers.

Is The Credit Pros Safe?

Yes, The Credit Pros takes multiple steps to keep your information safe. Other than yourself and your personal credit specialist, nobody has access to your information. Plus, all accounts get advanced ID protection.

How Much Does Credit Pros Cost?

The Credit Pros fees in 2020 are divided into four pricing tiers, ranging from $19/month to $149/month. The lowest tier package only includes credit score monitoring and credit education, but all other packages come with The Credit Pros credit management and score repair services.