The Credit Pros Review: Best Credit Repair In 2023 (2023)

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The Credit Pros is one of the top three picks in our survey of top credit repair companies. In an industry known for dodgy marketing practices and outright fraud, The Credit Pros stands out as a legitimate company that provides valuable services to many clients.

What makes The Credit Pros unique is that they are not only a credit repair company. They are also a financial and credit education company focused on helping clients build credit and avoid credit mistakes both now and in the future.

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

All counselors at the Credit Pros are FICO certified.

The Credit Pros

4.4 out of 5

The Credit Pros offers credit report access, consultations, and credit repair programs. If you have an exceptionally complex credit report with many questionable records, hiring a reputable credit repair company like The Credit Pros might be your best move. If you have easily verifiable errors on your credit report or there are only a few items that you need to contest, DIY is probably a better option.


4.8 out of 5


4 out of 5


4.5 out of 5


4.5 out of 5


A+ Rating With BBB

Credit Education Tools

Multiple Plan Options

Unlimited Disputes

Refund Policy

FICO-Certified Credit Professionals


High Startup Costs

Not Available In Every State

Money-back guarantee is limited

Visit The Credit Pros →

Jump to:

  • What Do The Credit Pros Offer?
  • What Do The Credit Pros NOT Cover?
  • What Does it Cost?
  • Reviews
  • The Credit Pros Promise
  • What To Expect
  • How To Cancel
  • Alternatives
  • Taking Action

What Do The Credit Pros Offer?

The Credit Pros offers three plans, each with different options and different costs.

The Credit Pros Review: Best Credit Repair In 2023 (1)

Money Management Plan

The Money Management plan is the most basic of the three plans. It’s designed for people who don’t have disputable entries on their credit reports and are simply looking to build better credit and better financial knowledge.

The plan includes the following:

  • Bill Reminders
  • Budgeting System
  • Snowball and Avalanche Debt Payment Systems
  • $5000 Line Of Credit
  • Real-time Account Sync
  • Credit Report, Dark Web, and Social Network Monitoring
  • Credit Reports and Scores from One Credit Bureau.

This is the most affordable option out of the three plans, but it does not include actual credit repair services. There’s a package of financial planning and debt payment scheduling systems and credit monitoring to help prevent or detect identity theft.

The plan includes a $5000 credit line from National Credit Direct. You can use this credit line to shop in the National Credit Direct store.You will pay in installments, and the payments will be reported to the credit bureaus. This can help you build credit, but it’s a very expensive way to do it: the items in the store are wildly overpriced.

While all of these are useful (with the possible exception of the credit line), we’re not convinced that they are worth the considerable cost.

The Credit Pros Review: Best Credit Repair In 2023

Prosperity Package Plan

The Prosperity Package plan is the cheapest plan that involves actual credit repair services that can remove erroneous or unverifiable entries from your credit report.

You get the following credit repair services:

  • Unlimited disputes at all three major credit bureaus.
  • Creditor interventions.
  • Cease and desist letters to get collectors off your back.
  • Letters of reference to potential new creditors.

You also get all of the features of the Money Management Plan, except for the $5000 credit line, and given the prices in the store, you probably won’t want to use that anyway.

Success Plus Package Plan

The Credit Pros Review: Best Credit Repair In 2023 (2)

The Success Plus Package Plan is the most expensive of the three plans. It includes all of the benefits in both plans discussed above, plus unlimited credit reports and scores from all three credit bureaus and access to a credit-builder loan.

The core credit repair features of the Success Plus plan are essentially the same as those of the Prosperity Package Plan. You’ll have to decide whether the two added features are worth the extra cost.

Unlimited Disputes With The Credit Pros

Credit repair often involves disputing records on your credit account. The Credit Pros will 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).

Disputing more items faster could give faster results, but only if there are many disputable records on your credit report. If you only have a few problematic records, this feature will not help you.

What Do The Credit Pros NOT Cover?

The Credit Pros cannot guarantee that they can improve your credit. Any such guarantee is prohibited by law, so if any company offers it, you should be very careful.

They also probably won’t be able to help with the following:

Bankruptcy Removal

A bankruptcy can only be removed from your credit report if it is there inaccurately. The Credit Pros might be able to help you lessen the impact of bankruptcy, but nobody can remove a bankruptcy from your credit report if it is yours.

Student Loan Removal

Unless your loan is an unreasonable financial burden or you can find a loan forgiveness program, it will be nearly impossible to remove a student loan from your credit report.

Again, 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 Credit Repair Organizations Act, no credit repair company can guarantee that they can fix bad credit.

What Does it Cost?

Here’s the pricing for each plan:

PlanInitial FeeMonthly Cost
Money Management



Prosperity Package



Success Package



The Credit Pros Refund Policy

The Credit Pros offers a limited money-back guarantee. You can get a complete refund in these cases.

  • At any time within five days of signing the agreement.
  • If The Credit Pros has not sent any dispute letters within 30 days of the signing of the agreement.
  • If no items are removed from the client’s credit report within 90 days of the signing of the agreement. Only payments made in the last 90 days will be refunded.
  • Any items that are deleted from the credit report and then reinserted can be investigated for life.

The guarantee does not apply to clients who have been enrolled in another credit repair program within 180 days before joining The Credit Pros.

The Credit Pros does not – and legally cannot – guarantee that your credit will improve.

The Credit Pros Reviews

The Credit Pros Reviews tend to be neither positive nor negative.Of all the credit repair companies that we reviewed, their reviews ratings are among the hardest to nail down.

While their average customer rating was 3.8, many of the comments suggested that the people doing the rating had unrealistic expectations or a poor understanding of the credit repair process.

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 before they saw what the outcome would be.

Another customer gave a rating of 1.0 because a bankruptcy record wasn’t removed after 30 days. As we stated above, nobody can remove a legitimate bankruptcy from your credit record.

Many customers have reported fast positive results and stated that The Credit Pros are friendly people to work with.

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

Trusted Credit Pros ReviewsCustomer Average Rating
Yelp Reviews Avg. Rating2.0
Google Reviews Avg. Rating4.3
Better Business Bureau Avg. Rating4.0
Consumer Affairs Reviews Avg. Rating4.1
Best Company Reviews Avg. Rating4.6

The Credit Pros Promise

It is always great when a company stands by its 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. 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 sending letters addressing the inaccurate items on your credit reports.

Approximately 60 days from signing 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.

The Credit ProsAvailability

The Credit Pros doesn’t provide credit repair services in these states:

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

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: [emailprotected]

Best Alternatives To The Credit Pros

If you have an exceptionally complex credit report with many questionable records, hiring a credit repair company might be your best move. If you have easily verifiable errors on your credit report or there are only a few items that you need to contest, DIY is probably a better option.

Start by reading and understanding your credit report. If there are items that may not be yours or that you think may not be verifiable by the creditor, use this guide to disputing a credit report entry. Once you have disputed the items you think are illegitimate, start building a better credit history.

You’ll get the same impact that credit repair will provide. It may take longer, but you’ll spend a lot less.

It’s always good to shop around before choosing any financial service provider. Before selecting the Credit Pros, consider the offerings from other top credit repair companies.

Initial work feeMonthly feeCredit monitoringDiscountMoney back guaranteeCancellation policyBBB ratingFounded in
The Credit Pros$119–$149$69–$149Yes/90-day money back guaranteeFull refund within 5 days after signingA+2009
Credit Saint$99–$195$79.99–$119.99YesFamily member discount (first work fee only)90-day money back guaranteeNo pro-rated refundsA+2007
Sky Blue$79$79NoCouple discount90-day guaranteeNo cancellation chargeA+1989
Ovation Credit$89$79–$109YesReferral, couple, military, senior, upgrade/Cancel any time — no-risk refund policyA+2004
Lexington LawCredit report access fee plus first work fee$99.95–$139.95YesMilitary, familyNo money-back guaranteeCancel anytimeNR2004

Taking Action

Starting your credit repair journey can be complicated and confusing. There is no better time than now to get things started. The sooner you get your credit in a better position, the better off you can obtain the things that have been eluding you.

Whether you choose a credit repair company or a DIY approach, the most important step you can take is to start!


Is the credit pros legit? ›

Is The Credit Pros legit? The Credit Pros is a legitimate company that has helped over 100,000 clients, according to the company. In 2021, it helped clients remove tens of thousands of questionable items from their credit reports.

Is CreditRepair com legitimate? ›

Yes, is a legit credit repair service. It has helped consumers with negative items on their credit reports for nearly 30 years.

How fast are the credit pros? ›

The Credit Pros FAQs

While this window varies from customer to customer, it takes 45-60 days to receive a copy of your credit report in the mail (which includes processing time for each of the three credit bureaus). Please call for an update if you have yet to receive your reports within 60 days of signing up.

Who owns the credit pros? ›

With practical experience running his own IT business and an education in the liberal arts, Matthew Klammer had become well-accustomed to the difficulties of research.

Is 679a good credit score? ›

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

What credit app shows your real credit score? ›

myFICO: Best App for Monitoring Your FICO score

myFICO is the credit score and credit monitoring app provided by the same company that gives your FICO credit score. In addition to being a credit monitoring service, they also offer identity theft insurance, identity restoration, and identity monitoring.

Does credit repair ruin your credit? ›

The Bottom Line

Legitimate credit repair companies can see to it that inaccurate information is removed from your credit reports so that it doesn't harm your credit score. However, they can't do anything for you that you couldn't do for yourself if you're willing to put in the time and effort.

What is the best place to fix your credit? ›

Best Credit Repair Companies Of June 2023
RankCompanyForbes Advisor Rating
1The Credit Pros3.5
2Credit Saint3
3Lexington Law3
1 more row
7 days ago

Does credit repair increase credit score? ›

They may charge you high fees for things you can do by yourself for free. Paying a credit repair company may not improve your credit score.

How long does it take to get a 700 credit score from 500? ›

The credit-building journey is different for each person, but prudent money management can get you from a 500 credit score to 700 within 6-18 months. It can take multiple years to go from a 500 credit score to an excellent score, but most loans become available before you reach a 700 credit score.

How to get a 900 credit score in 45 days? ›

Here are 10 ways to increase your credit score by 100 points - most often this can be done within 45 days.
  1. Check your credit report. ...
  2. Pay your bills on time. ...
  3. Pay off any collections. ...
  4. Get caught up on past-due bills. ...
  5. Keep balances low on your credit cards. ...
  6. Pay off debt rather than continually transferring it.

How long does it take to go from 550 to 750 credit score? ›

How Long Does It Take to Fix Credit? The good news is that when your score is low, each positive change you make is likely to have a significant impact. For instance, going from a poor credit score of around 500 to a fair credit score (in the 580-669 range) takes around 12 to 18 months of responsible credit use.

Who are the competitors of the credit pros? ›

Frequently Asked Questions

Alternatives and possible competitors to The Credit Pros may include GAIN Credit , National Debt Relief , and Bluepay .

Is Lexington Law credit Repair legit? ›

Yes, Lexington Law is legitimate. The firm has a long track record of success. Lexington employs real lawyers, and the staff stays up to date on the often-changing laws around credit reporting and disputes. If you need credit repair services, it's worth scheduling a free consultation with Lexington Law.

Who are the credit pulling companies? ›

There are three big nationwide providers of consumer reports: Equifax, TransUnion, and Experian. Their reports contain information about your payment history, how much credit you have and use, and other inquiries and information.

What can a 550 credit score get you? ›

Credit Rating: 550 is considered a bad credit score. Borrowing Options: Most borrowing options are available, but the terms are unlikely to be attractive. For example, you could borrow a small amount with certain unsecured credit cards or a personal loan with no credit check, but the interest rate is likely to be high.

How to raise 495 credit score? ›

Making timely payments and avoiding “maxing out” the card will promote improvements in your credit scores. Pay your bills on time. There's no better way to improve your credit score. Among consumers with FICO® credit scores of 495, the average utilization rate is 113.1%.

Is 495 a good credit score? ›

Credit Rating: 495 is considered a bad credit score.

Which credit score is the hardest? ›

Here are FICO's basic credit score ranges:
  • Exceptional Credit: 800 to 850.
  • Very Good Credit: 740 to 799.
  • Good Credit: 670 to 739.
  • Fair Credit: 580 to 669.
  • Poor Credit: Under 580.
May 14, 2023

How many points is Credit Karma off? ›

In some cases, as seen in an example below, Credit Karma may be off by 20 to 25 points.

What is the best site to get all 3 credit reports? ›

You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting You may also be able to view free reports more frequently online.

How can I clean my credit myself? ›

How To Fix Your Credit In 7 Easy Steps
  1. Check Your Credit Score & Report. ...
  2. Fix or Dispute Any Errors. ...
  3. Always Pay Your Bills On Time. ...
  4. Keep Your Credit Utilization Ratio Below 30% ...
  5. Pay Down Other Debts. ...
  6. Keep Old Credit Cards Open. ...
  7. Don't Take Out Credit Unless You Need It.
Mar 10, 2023

How do I wipe my credit report clean? ›

How to remove negative items from your credit report yourself
  1. Get a free copy of your credit report. ...
  2. File a dispute with the credit reporting agency. ...
  3. File a dispute directly with the creditor. ...
  4. Review the claim results. ...
  5. Hire a credit repair service.
Mar 15, 2023

Is credit repair a waste of money? ›

After all, if you are suffering the effects of bad credit, you will consider anything to improve your score, even paying someone for a quick fix. Unfortunately, there is no quick fix for bad credit. No matter what a credit repair company tells you it will do for a fee, in most cases, it will be a waste of your money.

What is the fastest way to fix bad credit? ›

Here are some strategies to quickly improve your credit:
  1. Pay credit card balances strategically. ...
  2. Ask for higher credit limits. ...
  3. Become an authorized user. ...
  4. Pay bills on time. ...
  5. Dispute credit report errors. ...
  6. Deal with collections accounts. ...
  7. Use a secured credit card. ...
  8. Get credit for rent and utility payments.
5 days ago

Can my credit score go up 200 points in a month? ›

There are several actions you may take that can provide you a quick boost to your credit score in a short length of time, even though there are no short cuts to developing a strong credit history and score. In fact, some individuals' credit scores may increase by as much as 200 points in just 30 days.

How fast can a credit repair company fix your credit? ›

On average, credit repair takes about three to six months. Your score should gradually improve throughout the process each time a creditor agrees to make a change in your favor.

How to remove negative items from credit report yourself for free? ›

Unfortunately, negative information that is accurate cannot be removed and will generally remain on your credit reports for around seven years. Lenders use your credit reports to scrutinize your past debt payment behavior and make informed decisions about whether to extend you credit and under what terms.

What makes your credit score go up high? ›

Factors that contribute to a higher credit score include a history of on-time payments, low balances on your credit cards, a mix of different credit card and loan accounts, older credit accounts, and minimal inquiries for new credit.

How can I remove bad credit without paying? ›

Make a Goodwill Request For Deletion

If you have a good relationship with a creditor that has listed a late or missed payment, consider sending a goodwill request for deletion letter. The letter requests the original creditor to pretty please remove the offending item from your credit report.

How long does it take to go from 450 credit score to 700? ›

It may take you 4 months to a year to reach the credit score of 700.

How fast can I add 100 points to my credit score? ›

For most people, increasing a credit score by 100 points in a month isn't going to happen. But if you pay your bills on time, eliminate your consumer debt, don't run large balances on your cards and maintain a mix of both consumer and secured borrowing, an increase in your credit could happen within months.

Can you get approved with a 500 credit score? ›

With an 500 credit score, you're unlikely to get approved for a traditional credit card. Credit cards are unsecured forms of debt, so banks tend to be a bit more cautious compared to loans backed by specific assets, like mortgages and auto loans.

How can I raise my credit score 100 points overnight? ›

How To Raise Your Credit Score by 100 Points Overnight
  1. Get Your Free Credit Report. ...
  2. Know How Your Credit Score Is Calculated. ...
  3. Improve Your Debt-to-Income Ratio. ...
  4. Keep Your Credit Information Up to Date. ...
  5. Don't Close Old Credit Accounts. ...
  6. Make Payments on Time. ...
  7. Monitor Your Credit Report. ...
  8. Keep Your Credit Balances Low.

Does anyone have a 900 credit score? ›

Depending on the type of scoring model, a 900 credit score is possible. While the most common FICO and VantageScore models only go up to 850, the FICO Auto Score and FICO Bankcard Score models range from 250 to 900.

What is credit repair loophole 609? ›

A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It's named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices.

How can I raise my credit score 40 points fast? ›

Here are six ways to quickly raise your credit score by 40 points:
  1. Check for errors on your credit report. ...
  2. Remove a late payment. ...
  3. Reduce your credit card debt. ...
  4. Become an authorized user on someone else's account. ...
  5. Pay twice a month. ...
  6. Build credit with a credit card.
Oct 19, 2022

Should I pay off my credit card in full or leave a small balance? ›

It's a good idea to pay off your credit card balance in full whenever you're able. Carrying a monthly credit card balance can cost you in interest and increase your credit utilization rate, which is one factor used to calculate your credit scores.

How much will my credit score go up if I pay off a collection? ›

With most of the current standard credit scoring models, paying a collection account off likely won't increase your credit score since the item will remain on your credit report. It will show up as “paid” instead of “unpaid,” which might positively influence a lender's opinion.

Which credit score agency is the most accurate? ›

The most accurate credit scores are the latest versions of the FICO Score and VantageScore credit-scoring models: FICO Score 9/10 and VantageScore 3.0/4.0. It is important to check a reputable, accurate credit score because there are more than 1,000 different types of credit scores floating around.

Which free credit report is legitimate? ›

To get the free credit report authorized by law, go to or call (877) 322-8228.

What is a credit card pros? ›

Credit cards offer convenience, consumer protections and in some cases rewards or special financing. But they may also tempt you to overspend, charge variable interest rates that are typically higher than you'd pay with a loan, and often have late fees or penalty interest rates.

What is the most reliable credit site? ›

Best paid credit monitoring services
  • Best overall paid service: IdentityForce®
  • Runner-up: Privacy Guard™
  • Best for families: Experian IdentityWorks℠
  • Best for most accurate credit score: FICO® Advanced.

Which of the 3 credit scores is most important? ›

What credit score do lenders use? FICO scores are generally known to be the most widely used by lenders.

Which credit reporting agency is safest? ›

Three major credit reporting agencies provide credit reports: Equifax, Experian, and TransUnion. 123 These may be the safest routes to obtaining your credit history, which ultimately affects your personal credit score.

Can you trust Credit Karma? ›

Here's the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus.

How many credit cards should you have? ›

If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

What is the average US household credit card debt? ›

2022 American Household Credit Card Debt Study
Type of debtTotal owed by an average U.S. household with this debtPercentage change for total owed between 2021 and 2022
Credit cards (revolving)$7,876+38.7%***
Auto loans$29,107+6.33%
Student loans$59,461+0.88%
3 more rows
Jan 10, 2023

What increases your credit score? ›

Factors that contribute to a higher credit score include a history of on-time payments, low balances on your credit cards, a mix of different credit card and loan accounts, older credit accounts, and minimal inquiries for new credit.

Do banks use TransUnion or Equifax? ›

In conclusion. Credit card issuers and lenders may use one or more of the three major credit bureaus—Experian, TransUnion and Equifax—to help determine your eligibility for new credit card accounts, loans and more.

Which credit score is most important Equifax or TransUnion? ›

TransUnion vs. Equifax: Which is most accurate? No credit score from any one of the credit bureaus is more valuable or more accurate than another. It's possible that a lender may gravitate toward one score over another, but that doesn't necessarily mean that score is better.

Why is my FICO score 100 points lower than Credit Karma? ›

Some lenders report to all three major credit bureaus, but others report to only one or two. Because of this difference in reporting, each of the three credit bureaus may have slightly different credit report information for you and you may see different scores as a result.


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