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Credit Pros Review

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Bottom Line:
Pricey compared to other credit repair services; good for those who want per-item pricing; mediocre customer service

Full Review:
Most credit repair services charge a monthly fee for removing errors from your credit report, but The Credit Pros works a little differently. With this service, you pay a start-up fee, then you pay for each derogatory item that is successfully removed from your credit report, with the option to pay for public records error deletions as well. It's a decent option for those who already know how many errors are on their credit report, and only need to have a few removed. Otherwise, paying per item can get rather expensive, and its customer support representatives function more as a sales team, which users may find irritating.


The Credit Pros charges $179 to start, and then $50 for each derogatory item removed from your credit report and $75 for errors removed from public records. Couples receive a little bit of a discount, with the start-up fee costing $279 for two people; the price per item remains the same, whether you sign up individually or with your partner. Its 100% money-back guarantee promises to offer a full refund in the event that disputed errors are not removed within the first 90 days of sign-up.


When you sign up, 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, your credit repair specialist 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.

Included in its services are the standard features you can expect from most credit repair services, such as unlimited disputes (although it's important to note you must pay The Credit Pros per item removed), debt validation and goodwill letters to creditors, cease and desist letters as well as identity theft insurance protection.


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 has been accredited with the organization for a long time, bolstering its credibility.

Customer Service

The Credit Pros customer support team can be reached via live chat, email or phone 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 a response, which was frustrating. 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.


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

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Service Details

Price:$50 per derogatory item deleted

$75 for public records deletions
Initial Fees:$179
BBB Rating:A
Site Usability:Could be easier to navigate, but a recent redesign is a big improvement.
Guarantee:Yes; 90-day money back guarantee
Customer Service:Phone, email and chat

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