Credit Pros

Credit Pros Review: Credit Repair

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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:
[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 anytime Monday-Friday 8 a.m.-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 $199 to start, and then $50 for each major derogatory item removed from your credit reports (paid after the fact). Or, you can opt for a monthly payment option, which is a bit on the pricey side at $99/month.

The Credit Pros also offers $50 off for couples if you sign up together.

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:


Or $50 per derogatory item deleted
Initial Fees:$199 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.

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