The Credit Pros Review: Best Credit Repair (In 2021)

By Sa El

Credit expert, licensed Insurance agent, Real Estate agent, and Co-Founder of Credit Knocks

Advertiser Disclaimer - Some links on this page may pay us advertising fees.

the credit pros review 2019 credit repair

What makes The Credit Pros unique is that they are a financial and credit education company focused on helping their clients avoid credit mistakes both now and in the future.  In this post we will show you how you can use them to help rebuild your credit.


Helps with growing and fixing credit.


Costs are a bit high for a good plan.


You can apply after a free consultation.


Responds pretty quickly

    Credit Knocks Overall Star Rating:     

  • A+ Rating With BBB
  • Credit Education Tools
  • Multiple Plan Options
  • Unlimited Disputes 
  • High Startup Costs
  • Not In Every State


The Credit Pros is a great option when you don't have a great understanding of credit or you are attempting to re-establish your credit.

Once you start the process you won't have to do much outside of mailing them a copy of your updated credit report on a monthly basis. 

However, there are some startup fees and they aren't the best option for every credit issue. 

That is why I created this review, so that you can understand how their program works, its benefits and short comings.

Plans Starting At *$19 Per Month
*Rate is based on the Credit Sentry Plan

Who Are The Credit Pros

The Credit Pros was founded in 2009 by Jason Kaplan Esq. and his business partner Damon DeCrescenzo.

According to Inc. Magazine, not only are they one of the fasting growing companies in America, they are also one of the 50 best places to work.

Their primary focus is offering free credit reports, consultations and credit repair programs that help their customers that have negative, inaccurate, outdated or incorrect items on their credit reports repair their credit.

the credit pros

What Makes Them Different?

A few things that make The Credit Pros different is that they can send cease and desist letters on your behalf to help with reducing future unwanted contact from collection agencies.

And they also can help with removing things like Late payments, tax liens, closed accounts, charge-offs, incorrect student loans, foreclosures, collections, negative settlements, and judgments from your credit reports.

why credit pros are different

They also have Dozens of informational videos on credit, finance, budgeting, and entrepreneurship.

What Do The Credit Pros Cover?

Each Credit Pros plan comes with different options, think of it as a type of good, better, best system.

Below we discuss each plan in detail:

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Credit Sentry Monitoring Plan

The Credit Sentry plan is going to be the most basic of the four plans and will come with the below benefits: 

  • Transunion Credit Score
  • Transunion Credit Monitoring
  • Credit Report Updated Every 60 Days 
  • DarkWeb Monitoring
  • Change of Address Monitoring
  • Social Security Trace Monitoring
  • Pay-Day Monitoring
  • Social Network Monitoring

As you can see it doesn't have any of the credit repair features and this plan is also going to the be the most affordable out of the flour plans.

Money Management Plan

The Money Management plan is going to have all of the benefits of the Credit Sentry Monitoring plan as well as: 

  • Bill Reminder
  • Budgeting System
  • Snowball and Avalanche Debt System
  • Debt Validation Letters to Creditors
  • $1,500 Line Of Credit Tradeline
  • Credit Pros Credit Repair
  • Real-time Account Sync
  • TCP Legal Network
  • Social Network Monitoring

This is going to be the second most affordable option out of the four plans and will include a Line Of Credit from Hutton Chase Department Store. 

Prosperity Package Plan

The Prosperity Package plan will come with all of the benefits of the Money Management Plan with the exception of the Guaranteed Tradeline, it is also one of the most expensive plans and includes:

  • Slash RX Program - Save up to 80% on Medication  

To be  honest, this plan doesn't seem to be worth the additional cost.

The Slash RX program is free and anyone can sign up for it here.

Unless they are offering something additional in this plan that isn't on their website, then I would go with the Money management Plan or The Success Package Plan over this one.

Success Package Plan

The Success Package Plan is going to be the most expensive of the four plans but will include all of the benefits that we discussed above.

It will include both the Slash RX Plan and the guaranteed $1,500 Line of credit.

It is going to give you the best value of all the plans and the best option if you are serious about repairing your credit.

the credit pros

What Do The Credit Pros NOT Cover?

The main thing that The Credit Pros won't cover is a Guarantee on a specific outcome with your credit. 

It would be entirely illegal for them to do so in any way.

They also won't be able to help you with obtaining an authorized user, that is an entirely different service you can read about here

They also probably won't be able to help with: 

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.  Check out our #1 choice for professional credit repair. 

Bankruptcy Removal

The only instance you will get a bankruptcy removed from your credit is if it is on your report inaccurately.

The only thing someone can do for you if you have a valid bankruptcy on your credit is to do things to lessen the impact of it.

The Credit Pros can help with that.

Student Loan Removal

Unless you are having a financial burden or can find a loan forgiveness program, the possibility of getting a student loan removed from your credit is going to be nearly impossible.

Again, just like with a bankruptcy, there are things you can do to lessen the blow of a student loan and The Credit Pros can help with that.

Because of the guidelines laid out by the CROA, no credit repair company can Guarantee the fixing of bad credit.

Unlimited Disputes With The Credit Pros

When it comes to repairing your credit you are going to be dealing with a ton of disputes. 

In simple terms, a dispute is basically you telling the credit reporting agencies that something isn't correct on your credit report.

The Credit Pros is able to dispute an unlimited number of inaccurate, obsolete, and unverifiable items from your credit report every month (unlike some of their competitors which limit the number of items they challenge on a monthly basis).

Since they are able to dispute more items much faster it gives them the ability to produce faster results.

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Increase Your Credit by 100+ Points

In a recent study at Credit Knocks, we found that *48% of clients who used a credit repair company got a credit score increase of 100+ points.

Consultation is quick, easy, and free.

How Much Does The Credit Pros Cost?

Below is a detailed breakdown of the pricing for each plan and their initial startup fee:


Initial Fee

Monthly Cost

Credit Sentry Monitoring



Money Management



Prosperity Package



Success Package



The Credit Pros Reviews

The Credit Pros Reviews tend to be neither positive or negative but just so-so. 

Of all the credit repair companies that we reviewed their reviews ratings are hard to nail down. 

While their average customer rating was a 3.7, the reasons for the low ratings that pulled that score down didn't seem to fit the given rating. 

For instance, one review stated that they had just signed up with The Credit Pros and they were hopeful that they were legit... 

That person gave them a 2.0 rating. 

Another rating of 1.0 was given because a bankruptcy wasn't removed after 30 days which is probably one of the toughest items to get removed. 

Many customers have reported fast positive results and that they are friendly people to work with. 

The Credit Pros complaints tend to indicate some possible disorganization within the company which leads to miscommunication and billing errors. 

Trusted Credit Pros Reviews

Customer Average Rating

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Who is the Credit Pros For? 

Individuals or Couples with bad credit

The Credit Pros is mainly for people who have bad credit, if you need to get better credit so that you can get that new car or move into an apartment or home, they can help.

With better credit you can also get better employment opportunities as people do review your credit for certain jobs.

The Credit Pros can also help a young couple looking to move to a new house but cannot afford or accept the terms of a mortgage because of pricing reasons due to a low credit score.

Mortgage lenders determine the terms of the loan based on your credit score and report. The higher the score, the better the terms and lower the cost of the loan.

the credit pros review 2019 credit repair

The Credit Pros Promise

It is always great when a company will stand by their word and The Credit Pros has put it in writing.

"We understand that you have placed your trust in us and we take that responsibility seriously.

This is why we want you to feel safe when working with us. The Credit Pros is committed to quality, achieving results, and providing “5 star level” client support."

They also promise:

  • That you can cancel your service at any time
  • That no one will over-promise or guarantee a specific outcome
  • That your private information will be protected and secure
  • That you will be treated professionally and courteously
  • That all of your requests will be responded to in a timely manner

This is a great promise so be sure to hold them accountable if you sign up.

What To Expect After You Sign Up

So once you get signed up, within 3 to 5 business days their specialists will begin working by sending letters addressing the inaccurate items on your credit reports. 

Approximately 60 days from the time you sign up you will receive a copy of your credit reports from the credit bureaus (Transunion, Equifax & Experian). 

When you receive all three of your updated credit reports, you will need to just put them into an envelope and mail them to The Credit Pros. 

All you have to do is continue to send the updated copies of your reports.

Helpful Tip

You should probably fax all of your documents, the sooner they receive the information the better results you will have overall.

If you have access to a fax machine you may also send your files to them via fax as well. 

You can fax your reports over 24 hours per day to: (973) 732-0794.

How To Cancel The Credit Pros

The fastest way to cancel your membership with The Credit Pros is to contact them by phone at: (844) 257-4696 between the hours of 9 a.m. – 8 p.m. (EST) M-F

You can also email them at: [email protected]

Wanna Know the Easy Way to Repair Your Credit?

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   Get help from the pros! ​Check out our #1 choice for professional credit repair.

The Credit Pros Availability

There are some places where The Credit Pros doesn't provide credit repair service and those states are: 

  • California
  • Georgia
  • Kansas
  • Maine
  • Minnesota
  • Oregon
  • South Carolina

Best Alternative To The Credit Pros

While you might be expecting to see the name of some competitors, the truth is that doing the work yourself is the best alternative.

We have created a step by step guide you can use to boost your credit score anywhere from 50 to 100 points in 30 Days.

You can also check out our Credit Building Weapons where we show you the best free and paid ways to build your credit.

Last but not least you can join our 90 Day Credit Sprint Challenge which is also free to join and participate in. 

Did you know?

48% of credit repair customers saw a 100 point or more credit score increase after 6 months. 

U.S. Credit Repair Survey (Oct '19) 

The best thing these different approaches is that it won't cost you a monthly fee or a sign up fee to start the process.

You might have to spend money on obtaining a secured card or a credit builder loan; however, you don't pay anything directly to Credit Knocks.

Two credit repair companies that you may want to steer clear of are Lexington Law and Credit

In May 2019, the Consumers Financial Protection Bureau (CFPB) filed a complaint against Progrexion, the legal owner of Lexington Law and for deceptive marketing practices. 

You can keep up with the latest on the Lexington Law and lawsuit by clicking here. 

Taking Action On Your Credit

Hopefully, you found The Credit Pros Review we wrote to be helpful because starting your credit journey can be complicated and confusing.

There is no better time than now to get things started and the sooner you get your credit in a better position the better off you can obtain the things that have been eluding you. 

Start establishing or rebuilding your credit today with the help of our top rated credit repair company.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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