Credit Pros

Credit Pros Review: Credit Repair

Credit Repair
Sign up for Credit Pros
Bottom Line:
Good pick if you want per-item pricing. Great guarantee policy but infomercial feel and newness of the company make it hard to stack up against larger sites.
Full Review:
3 2015-02-03 14:40:09 [Editor's Note: The Credit Pros has set up an exclusive 800 number where visitors can speak to a Credit Pros representative to ask questions and order by phone. If you'd rather order by phone than online or just have more questions, please call 1-877-260-3420 any time Monday through Friday 8 a.m. to 6 p.m. ET.]

With a much-improved site design, a strong rating from the Better Business Bureau and an innovative pricing structure that is much better than other credit repair services, The Credit Pros has a lot to offer. However, the young credit repair company still seems to be working out some of the kinks and can be overbearing with its sales tactics.


Most credit repair services make you pay per month for the promise of filing paperwork on your behalf. None of them promise any results when it comes to actually removing negative information from your credit reports. The Credit Pros are the only company to let you pay based on the number of negative items that are removed from your credit reports. It charges $149 to start, and then $50 for each major derogatory item removed from your credit reports or $75 for each item removed from public records (paid after the fact). The cost for couples is $249 to start.

Another great perk from The Credit Pros is its generous guarantee policy. The Lifetime guarantee says that if any of the negative information that was removed from your reports reappears, The Credit Pros will re-investigate and attempt to remove that item again at no extra cost. The 100% money-back guarantee says that if no negative items have been removed from your credit reports within 90 days, you are entitled to a full refund.


When signing up for The Credit Pros, a credit repair specialist will pull your credit reports and discuss your options. You will then receive a one-on-one consultation with a certified FICO professional about your credit reports to go over all the disputable items and lay out a game plan.

After your consultation, the credit repair specialist assigned to you will begin to dispute the negative information on your credit reports. When disputing those items, The Credit Pros will send letters to the three credit bureaus that clearly dispute the negative information in your credit reports. Each credit bureau then has 30 days to investigate and authenticate the negative information with the credit companies. If they cannot authenticate the information, it must be removed from your credit reports.

In addition to the standard disputes, The Credit Pros will also send goodwill letters to your creditors to ask about removing some of the late payment reports from your credit reports. The company also includes debt validation letters, which request complete information about your account and how it's being reported to the bureaus to make sure they are following FTC standards. Both services enhance the chances of negative information being taken off your credit reports.

Both membership plans also enroll you in LegalClub and IdentitySolutions without any additional cost. LegalClub is a discount legal referral service, while IdentitySolutions provides identity theft insurance and restoration assistance.


The website might suggest that it has been around since the '90s, but The Credit Pros was founded in 2008, so it hasn't been in the game as long as some of the more established credit repair services. The company has an "A+" rating from the Better Business Bureau and is accredited with the organization, which raises its reputability rating.

Customer Service

The Credit Pros offers phone and email customer service, both of which will connect you with a live person. Customer service representatives are available Monday through Friday from 8 a.m. to 6 p.m. ET. Although its customer service is personal and helpful, each representative seemed slightly distracted and hurried when we were speaking with them on the phone. Also, each representative that we talked to made it their personal mission to sign us up for the service, which can get annoying if you are just looking for an answer.

Live chat is advertised on the website, but did not seem to actually function as chat — instead directing us to submit questions via an email form. Our actual question was never answered when we did receive an emailed response. Instead, we received several emails, including one from company owner Jason Kaplan, offering free e-books and requesting a phone consultation.

While overall The Credit Pros' customer service is extremely personal, fast and helpful, it is worth mentioning that if you are simply trying to get questions answered or trying to decide on a credit repair service, you may find yourself annoyed by The Credit Pros' high-pressure telemarketing approach. We received numerous daily calls and emails after only making a single phone call and half-completing the signup form on its website. Overall, though, The Credit Pros' customer service is extremely personal, fast and helpful.


The Credit Pros has some good components to make it a successful credit repair company, but the infomercial feel and aggressive sales tactics of the staff, in addition to the expensive fees and pricing, make it a tough choice when compared to some of the other top credit repair services.

Sign up for Credit Pros | Compare to Other Credit Repair Services

Service Details:

Price:$50 per derogatory item deleted or $75 for public records deletions
Initial Fees:$149 to start
BBB Rating:A+
Site Usability:Could be easier to navigate, but a recent redesign is a big improvement.
Guarantee:Yes. The Credit Pros has both a Lifetime and a 100% Money-Back Guarantee.
Customer Service:Phone and email.

NextAdvisor Credit Card Blog Headlines

Stratos and Coin: Are All-in-One Payment Cards a Good Idea?
Mobile payments have been gaining a lot of popularity lately. Considering we are almost always connected to our phones, it makes sense to have this convenience. These mobile payment apps have different functions. Some are specifically made for peer-to-peer payments, like the app Venmo, and others that have adopted a payment feature, like Snapchat's Snapcash. [...]

3 Things People with Bad Credit Need to Know
It's not the end of the world if you have bad credit. Actually, millions of Americans have credit that's rated below average. While it's not something you might be proud of, it's important to know that there are some ways to make it better. If you have less-than-perfect credit, here are three things you need [...]

US Airways Points Program Merging with American Airlines By Mid-April
American Airlines is nearing the finish line of the completion of its merger with US Airways with the announcement last week that American will absorb US Airways frequent flier miles program within 30 days. This means that customers enrolled in the US Airways Dividend Miles Program will have their points transferred on a 1:1 ratio [...]

5 Best EMV Chip Cards for Your Summer Travel Plans
The weather is getting warmer and summer is approaching. Whether you?re planning a big trip to another country or you just want to get out of town for a few days, it?s a great time for a vacation. While a travel rewards credit card offers big benefits for frequent travelers, some cards also include the [...]

Fraudsters Use Breached Credit Cards on Apple Pay: What You Need to Know
A recent discovery of fraud perpetrated through the Apple Pay system has been causing the tech company trouble. The payment system has been hit with a wave of fraudulent transactions, mostly through Apple's stores themselves, using credit card information stolen from recent data breaches. According to The Wall Street Journal, approximately 80% of these unauthorized [...]

About UsBlogContact Us Forums Terms & Privacy PolicyAffiliate ProgramSite Map is a BBB Accredited Information Bureau in San Francisco, CA

Advertiser Disclosure: is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.