In-Depth Analysis

The Credit Pros Review

Advertiser Disclosure
Written By
G. Dautovic
October 04, 2023
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

Find yourself someone that respects you, works hard, is honest, trustworthy, passionate, and never stops improving themselves. No, we’re not reviewing a matchmaking service. We’re talking about something a lot harder to find in this day and age: a reliable and highly-rated credit repair company. 

Coincidentally, the values we’ve just listed match those of The Credit Pros to a tee. This company is a life partner that can lend you a helping hand with the often frustrating and complicated endeavor of credit repair.

From $69 per month

Free Evaluation: Yes

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

From $69 per month
Up to 60 days
A+ (not accredited)
pros thumb up Strengths
  • Wide range of services
  • Education tools
  • Great mobile app
  • 80% discount on medical expenses
  • One-on-one consultations
  • Trustworthiness
  • FICO-certified professionals
  • In-house lawyers
pros thumb up Weaknesses
  • No couples discount
  • Pricier top-tier packages

The Credit Pros Overview 

The Credit Pros was established in February 2009, making its placement on the Inc. 5000 list several years in a row all the more impressive. A contributing factor to its success was undoubtedly the fact that one of the co-founders, Jason M. Kaplan, is a credit attorney, making the company especially equipped to deal with any credit reparation issue you may have.

If you were to do a quick Google search for The Credit Pros reviews, you’d stumble upon an overall positive collection. ConsumerAffairs gives it a 4.1/5 score, and 391 Google Reviews give it 4/5 stars, not to mention the noteworthy A+ rating of The Credit Pros on the BBB (though it is not accredited by the Better Business Bureau). 

With many services on offer and FICO-certified experts, this New Jersey-headquartered company is sure to provide your credit score with the boost it needs.

How Does The Credit Pros Compare to Other Credit Restoration Services?

The Credit Pros Logo
The Credit Pros

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Credit Saint

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Ovation Credit Services

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What You Can Expect From The Credit Pros

TCP offers credit repair, credit building, credit monitoring, and credit education. The majority of these Credit Pros services are included in all three plans. The main ones are:

Credit dispute letters – After you sign up, TCP specialists will start disputing inaccurate and negative items from your credit report. Unlimited disputes are only available with the two top-tier plans.

Cease and desist letters – While you’re trying to figure out the best course of action for improving your credit health and going through the process of improving it, you might benefit from getting rid of the pesky phone calls from creditors. The Credit Pros can’t make your debts go away, but it can inform your creditors that you’d like a break from their collections.

Debt validation letters – If you are at all suspicious of a debt, it might be a good idea to confirm that it actually belongs to you. TCP can draft and send a debt validation letter on your behalf. Until your creditor responds, they are unable to continue their collection activities.

Goodwill letters – Sometimes asking nicely works. Creditors might be willing to remove derogatory events from your credit reports, especially if your credit history depicts a generally responsible attitude toward finances.

One-on-one consultations – The Credit Pros credit specialists are always at your disposal for personalized assistance. These certified FICO professionals can help you devise an action plan and educate you on any credit-related topic you might be unclear about.

ID theft restoration and insurance – It’s rare for credit repair companies to offer ID theft restoration and insurance, so we consider this to be a big plus for TCP.

24/7 access to your client portal – We were also pleased to see that an easy-to-use and highly-rated The Credit Pros mobile app is available for both Android and iOS users. All your information will be at your fingertips wherever you go. Aside from displaying updated credit reports, credit scores from credit bureaus, and current credit disputes, this app notifies you about important changes, lets you upload documents from your camera, and grants you access to various finance tools. 

Debt snowball and debt avalanche systems – TCP can assist you in implementing one of its systems for paying off debts. The Snowball method means paying off the smallest debts first and then gradually working your way toward the largest one. The Avalanche method entails doing the exact opposite.

The Credit Pros legal network – As a TCP member, you are provided with a top-notch in-house legal team.

Additional Services

Through its partnership with CreditSentry, IDCover, CashRules, and National Credit Direct, TCP offers several other services:

  • TransUnion credit monitoring
  • Dark web monitoring
  • Change of address monitoring
  • Social Security trace monitoring
  • Payday monitoring
  • Social network monitoring
  • Bill reminder
  • Budgeting system
  • National Credit Direct services

We would like to point out that anyone can schedule a free consultation with TCP experts, in English or Spanish. You don’t have to pay The Credit Pros to review your financial situation and to receive sound advice.

Educational videos featuring Jason Kaplan himself are posted regularly on TCP’s YouTube channel. Owners of the mobile app can find them in the learning center.

The Credit Pros Prices and Guarantees

The three TCP pricing packages are:

The Money Management package – $119 first work fee + $69 per month

Customers who have a single negative item that they’d like removed should consider this plan. It also adds the Snowball and Avalanche systems and the option to use National Credit Direct services.

The Prosperity package – $119 first work fee + $119 per month

This plan’s main advantage is that it offers unlimited disputes. Additionally, a somewhat unusual but nevertheless useful benefit of the Prosperity package is that you can save up to 80% on medical expenses through TCP’s partnership with Slash. However, National Credit Direct services are excluded.

The Success Plus package – $149 first work fee + $149 per month

All of The Credit Pros credit repair, credit monitoring, and additional services are combined in its final premium plan. Those that need extensive assistance and would like to take advantage of the National Credit Direct’s cooperation with TCP might find this package appealing.

Even though the last two plans are a bit pricey, they do provide a lot of value for money and include a medical expenses discount. As far as other discounts go, we were a bit disappointed to see that, unlike many of its competitors, TCP doesn’t offer any perks for couples.


The Credit Pros website offers a 90-day money-back guarantee if no items are removed from the client’s credit report. Also, if any items that got deleted from the client’s credit report are reinserted, the company promises to reinvestigate those items at no additional charge.

The Credit Pros Speed of Service 

TCP doesn’t promise any miracle credit fixes or unrealistic time frames. Its experts assess every client’s situation separately and act accordingly; there are no one-size-fits-all solutions. Results can vary from case to case. Some customers won’t have to wait more than a few weeks to see the first improvements to their credit scores, while others may have to be patient for a couple of months.

Judging by The Credit Pros reviews, the company’s dedicated staff begins working on your credit reparation within days of signing up, and the first credit boosts can be seen in under six months.

The Bottom Line

The main advantage of TCP is its staff comprising FICO-certified professionals and in-house lawyers. Sometimes, credit situations can get quite messy, so having this team on your side increases the odds of attaining your desired results. 

To round up this review, we would like to note that out of the many credit repair agencies we’ve reviewed, The Credit Pros definitely has a unique assortment of services we’ve seen so far. In line with this, it’s perfect for those who are looking to get a little more bang for their buck.


How can I rebuild my credit?


For starters, you should make sure to pay all your bills on time. Credit utilization is another important factor, so using as little of your credit limit as possible can make a big difference. Disputing derogatory marks from your credit reports is also an option. If you feel like you would benefit from some assistance in this endeavor, you could look at a list of the best credit repair companies and choose one to consult or hire.

How long does it take to rebuild bad credit?


It usually takes anywhere between one and six months. Everyone’s situation is different, so it’s impossible to give an estimate. The type and number of negative items on your credit reports play a significant role in the overall duration of the credit repair process.

Is it worth paying someone to fix your credit?


The short answer is yes, but not everyone would agree because most of the services offered by top-rated credit repair companies are something you can do yourself. Enlisting the help of a company with high-quality credit repair services can save you a lot of time and, at times, even prevent you from making things worse.

How do I choose a credit repair company?


The first thing you should do is check the legitimacy of the company you’d like to hire. The main warning signs you should look out for are unrealistic promises. No credit repair agency can guarantee a certain outcome or an instant credit boost, so don’t trust those that do.

The second step you could take is to check online reviews – a high number of complaints means that you should steer clear of that credit restoration firm.

Is The Credit Pros legit?


The Credit Pros has an A+ rating on BBB (but is not accredited). Its website neatly lists five guarantees as to how trustworthy TCP is:

  • You can cancel the service you opted for at any time.
  • You won’t be offered a specific outcome.
  • All your information will be protected.
  • You will be treated with the utmost respect as a TCP customer. 
  • Any inquiry that you may have will be dealt with quickly.