The Credit Pros Review

This service offers excellent credit monitoring and financial management tools

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The Credit Pros

The Credit Pros

overall rating
3.7

Our Take

Although the monthly cost of the three credit repair packages offered by The Credit Pros is about average for the industry ($69 to $149), credit monitoring and financial management tools come standard, which are big value-adds compared to competitors.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
Pros
  • Credit monitoring comes standard

  • Financial management tools are included with all credit repair packages

  • Monthly credit repair costs ($69 to $149) are about average for the industry

  • Live online chat available

  • BBB rating of A+ is excellent

Cons
  • 3-star BBB and 2.8-star Trustpilot customer reviews are only average

  • 24/7 phone support isn’t available

  • Basic credit repair package only includes one credit dispute

Key Takeaways
  • Compared to its competitors, The Credit Pros’ time in business (founded in 2009) is average. 
  • Credit monitoring comes standard with all packages, which is better than much of the competition.
  • Support via live chat is available, a feature not offered by all credit repair companies.
  • The Credit Pros has an excellent A+ rating with the BBB.
  • Some customers noted emails and texts from The Credit Pros seemed spammy.
  • Credit repair costs are average with above-average credit monitoring and financial management tools.
Specifications
  • Year Founded 2009
  • Average Cost $69 to $149 per month
  • Types of Credit Repair Services Available Credit disputes, debt validation letters, legal assistance
  • Monthly Monitoring Options Transunion credit monitoring comes standard
  • Official Website https://thecreditpros.com/
  • Customer Support 1-800-411-3050

The Credit Pros offers three credit repair packages, with monthly costs of $69 for its Money Management plan, $119 for its Prosperity Package, and $149 for its Success Package. There are also one-time enrollment fees that range from $119 to $149 when you sign up for its services. Overall, the cost of its credit repair packages is about average for the industry. What’s especially nice is that credit monitoring and financial management tools come standard with all three credit repair packages offered by The Credit Pros, something not offered by many of its competitors.

The company has an excellent A+ rating with the Better Business Bureau (BBB) and its credit repair plans provide a good value, especially considering the level of credit monitoring and financial management tools you’ll receive. One of The Credit Pros’ primary objectives is to help educate its customers about their credit reports and scores, which is why it provides its customers with so many tools and resources.

Our Expert Megan Says

The Credit Pros is a BBB accredited business with an excellent A+ rating.

Company Overview: Average Time in Business

The Credit Pros is a privately owned company founded in 2009 and headquartered in Newark, New Jersey. The length of time The Credit Pros has been in business is about average for the industry. Not only does the company offer credit repair services, but it also provides stand-alone credit monitoring services for individuals who may not have any credit issues. As with many of the credit repair companies we reviewed, free credit consultations are available by phone, but you can also sign up for an appointment online, which is a nice touch.

Available Services: Credit Monitoring Comes Standard

The Credit Pros offers three credit repair packages, with monthly costs ranging from $69 to $149 (about average for the industry). In addition, the company has a fourth package that only includes credit monitoring at a cost of $19 a month. The lowest level credit repair package, called the Money Management plan, will cost you $69 a month, but you can only repair one item in total. If you have more than one item to fix on your credit, you’ll need to sign up for the Prosperity Package ($119 a month) or the Success Package ($149 a month).

You'll need to upgrade your package if you have more than one item to fix on your credit.

Although the credit repair services you’ll get are about average for the industry, the fact that you get credit monitoring with all plans is better than much of the competition. Plus, all the credit repair plans also include money management tools (e.g., budgeting). This is helpful because it’s essential to learn how to properly manage your money in order to maintain a positive credit history over the long-term. Not all of the companies we reviewed provide financial management services with every credit repair package, which helps The Credit Pros stand out from the competition.

CreditSentry Monitoring

The basic package offered by The Credit Pros is called CreditSentry Monitoring. With it, you won’t get any credit repair services, but you will get Transunion credit monitoring monthly (confirmed with a customer service representative) and a full credit report from all three credit bureaus every 60 days. Plus, the company’s system uses an algorithm to monitor such things as the dark web, your social security number, changes of address, and more to alert you to potential identity theft. If an issue is identified, you’ll be immediately notified, per a conversation with the company’s customer service team. You’ll pay a one-time fee of $19 when you sign up for CreditSentry Monitoring and then $19 per month until you cancel your plan.

Our Expert Megan Says

Credit monitoring from The Credit Pros helps users take a proactive approach to safeguard their credit.

Money Management

The lowest-cost credit repair package The Credit Pros offers is called the Money Management plan. This plan includes the same credit monitoring as its basic package, as well as money management tools (e.g., budgeting and bill reminders) and basic credit repair services (the company will repair a total of one item for you). You’ll also be provided with tools to help you pay off your existing debt, and the company will give you access to its legal network if you have questions regarding credit issues.

In addition, you’ll also receive a credit line from National Credit Direct that’s intended to help you build and improve your credit score. This plan is best for individuals who only have one credit issue to resolve or those who simply want to build a positive credit history. You’ll pay a one-time fee of $119 when you sign-up for the Money Management plan and then $69 a month until you cancel your plan with The Credit Pros.

This plan's biggest drawback is that you can only repair one item. If you have more than one item to repair, you’d be better off choosing a company like Ovation Credit, which has a monthly cost starting at $79 and an $89 first work fee. However, if you’re looking to build your credit or only have one credit issue to repair, the credit line from National Credit Direct included by The Credit Pros with this plan is a unique feature.

Prosperity Package

The third credit repair plan offered by The Credit Pros is called the Prosperity Package. It comes with the same credit monitoring, money management, and credit repair services as with the Money Management plan, but it includes an unlimited number of credit disputes. Unlike the Money Management plan, however, it doesn’t include a credit line. This plan is intended for people who have more than one item to repair on their credit reports and don’t need access to a credit line to build their credit history. You’ll pay a one-time fee of $119 when you sign up for the Prosperity Package and then $119 a month until you cancel your plan with The Credit Pros.

Success Package

The highest-level credit repair plan The Credit Pros offers is called the Success Package. This plan comes with the same credit monitoring, money management, and credit repair services that are available with the Prosperity Package. Plus, you’ll be given a credit line from National Credit Direct that you can use to help build a positive credit history. This plan is intended for people who have more than one item to repair on their credit reports and also want access to a credit line so they can work on building a positive credit history. You’ll pay a one-time fee of $149 when you sign up for the Success Package and then $149 a month until you cancel your plan with The Credit Pros.

Our Expert Megan Says

...credit monitoring and tools to help you manage your finances come standard with all credit repair plans...

Optional Add-ons: All Services Included in Plans

If you need additional services with The Credit Pros, simply upgrade to a higher-level plan. The company doesn’t offer any services other than those included in its credit repair packages.

Customer Service: Live Chat Is Available

If you want to speak with customer service from The Credit Pros, you can reach out to the company by phone (1-800-411-3050) every weekday from 9 a.m. to 8 p.m. ET. You can also send an email with questions or comments to info@thecreditpros.com, or you can submit a request for a live chat with a representative. If you want a free credit consultation, you can also sign up for an appointment online. This level of support is about average for the industry, although not all of the credit repair companies we reviewed offer live chat as an option, which is a nice touch.

Reputation: Excellent BBB Rating and No CFPB Complaints

The Credit Pros is a BBB accredited business with an excellent A+ rating. There have been 32 BBB complaints in the past three years, mostly related to billing and collection issues and problems with the company’s services. Based upon a review of the company’s responses to the BBB complaints, The Credit Pros seems to take these complaints seriously and strives to resolve issues. In addition, a review of the Consumer Financial Protection Bureau’s (CFPB’s) complaint database didn’t uncover any complaints during the most recent three-year period, which is good. Overall, The Credit Pros appears to have a good reputation.

Customer Satisfaction: Some Spammy Communication Issues Noted

A review of the BBB’s site reveals The Credit Pros has 3-star customer reviews. Some of the negative reviews were related to billing or cancelation issues and spammy emails or texts, with some of the positive reviews praising the company’s customer service team and noting credit score increases. Trustpilot contains similar customer reviews, with an average 2.8-star rating. 

In addition to reviews similar to those on the BBB site, some of the problems seem to be related to communication issues. The Credit Pros appears to be responsive to feedback, based on a survey of its responses to BBB and Trustpilot customer reviews, which is positive. It also shows that the company is serious about its guarantee to “value, listen and respond with understanding” to its clients.

With the exception of reviews previously mentioned about emails and texts that appeared spammy, the issues noted in the customer reviews are relatively similar to some of the other credit repair companies we evaluated. No matter which credit repair company you choose, make sure to carefully read all agreements and get everything in writing before you sign up. This way, you’ll understand what’s expected and be able to ensure your provider fulfills its responsibilities going forward.

Our Expert Megan Says

The main drawback are its average BBB and Trustpilot customer reviews.

Cost: Great Credit Monitoring and Financial Management for the Price

The Credit Pros offers three credit repair plans, with a monthly cost ranging from $69 to $149, as well as a fourth plan that costs $19 a month and only includes credit monitoring. The least expensive credit repair plan (the Money Management plan) costs $69 a month, with a $119 one-time fee when you enroll. The Credit Pros’ two higher-level plans have monthly costs ranging from $119 to $149, with one-time enrollment fees of the same amount.

While The Credit Pro's costs are about average for the industry, all plans come with credit monitoring and financial management tools, which is better than much of the competition. Even so, if you have more than one item to repair, you might be better off choosing a company like Ovation Credit that doesn’t limit the number of items that can be fixed and also offers financial management and credit monitoring options starting at $79 per month and a one-time first work fee of $89.

The following table summarizes the costs The Credit Pros charges for each plan:

Plan One-Time Monthly Fee
CreditSentry Monitoring (credit monitoring only) $19 $19
Money Management $119 $69
Prosperity Package $119 $119
Success Package $149 $149

The Competition: The Credit Pros vs. Lexington Law

One of the most well-known competitors to The Credit Pros is Lexington Law, a credit repair company founded in 1993 and headquartered in North Salt Lake, Utah. The Credit Pros and Lexington Law both offer three credit repair packages, with monthly costs starting at $69 from The Credit Pros and $89.95 from Lexington Law. Unlike Lexington Law, financial management tools and Transunion credit monitoring are included with all the plans offered by The Credit Pros, which provides a better value. Plus, The Credit Pros doesn’t have a recent history of CFPB complaints, whereas Lexington Law is dealing with an unresolved action from the CFPB related to its business practices. Not only does The Credit Pros have a better reputation than Lexington Law, but it also provides better value, making it the clear winner.

  The Credit Pros Lexington Law
Monthly Price $69 to $149 $89.95 to $129.95
First Work (One-Time) Fees $119 to $149 $89.95 to $129.95
Number of Plans Three* Three
BBB Accredited Business Yes No
BBB Rating A+ C
BBB Customer Reviews 3-star Just above 2-star

*Note: The Credit Pros has a fourth plan, but it only includes credit monitoring and is thus excluded from this comparison.

Final Verdict

Average Cost with Above-Average Credit Monitoring

The Credit Pros is a good option, especially considering credit monitoring and tools to help you manage your finances come standard with all credit repair plans at a cost that’s about average for the industry. The main drawback are its average BBB and Trustpilot customer reviews, but the company’s apparent responsiveness to issues supports its stated guarantee to provide you with professional and courteous service.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Better Business Bureau. "The Credit Pros." Accessed on July 3, 2020. 

  2. Ovation by LendingTree. "Credit Repair Services." Accessed on July 3, 2020. 

  3. Better Business Bureau. "The Credit Pros - Complaints." Accessed on July 3, 2020.

  4. Consumer Financial Protection Bureau. "Consumer Complaint Database." Accessed on July 3, 2020. 

  5. Better Business Bureau. "The Credit Pros - Customer Reviews." Accessed on July 3, 2020. 

  6. Trustpilot. "The Credit Pros." Accessed on July 3, 2020. 

  7. Better Business Bureau. "Lexington Law Firm." Accessed on July 3, 2020. 

  8. Lexington Law. "What Bad Credit Costs." Accessed on July 3, 2020. 

  9. Lexington Law. "Credit Repair." Accessed on July 3, 2020.