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In-Depth Analysis

The Credit Pros Review

G. Dautovic Image
ByG. Dautovic
February 03, 2022
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 good, reliable credit-fixing provider.

Coincidentally, the values we’ve just listed match those of The Credit Pros to a T. This company is a life-partner that can lend you a helping hand with the often frustrating and complicated endeavor of credit repair.

$19 /month

Free Evaluation: Yes

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$19 /month
60 days
pros thumb up Strengths
  • Wide range of services
  • Education tools
  • Great mobile app
  • 80% discount on medical expenses
  • One-on-one consultations
  • Trustworthy company
  • FICO-certified professionals
  • In-house lawyers
pros thumb up Weaknesses
  • No couples discount
  • Pricier top-tier packages


The Credit Pros was first established in February 2009, making its placement on the INC 5000 list six 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 4.2/5 score, and 210 Google Reviews give it 4.1/5 stars. Not to mention the noteworthy A rating of The Credit Pros on BBB.

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

How does The Credit Pros compare to other credit restoration services?

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The Credit Pros




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Credit Saint




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Lexington Law




What You Can Expect From The Credit Pros

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

Credit dispute letters – After you sign up, TCP specialists will start disputing inaccurate and negative items from your credit reports. The 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 up and send a debt validation letter on your behalf. Until your creditor responds to it, 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 responsible attitude towards 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 extremely 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, current credit disputes and more, this app will notify you about important changes, lets you upload documents from your camera, and grants you access to various finance tools.

Snowball and Avalanche Debt System – TCP can assist you in implementing one of their systems for paying off debts. The Snowball method implies paying off the smallest debts first and then gradually working towards taking care of 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
  • DarkWeb Monitoring
  • Change of Address Monitoring
  • Social Security Trace Monitoring
  • Pay-Day 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 and Spanish. You don’t have to pay The Credit Pros to review your financial situation and to receive sound advice.

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

Prices and Guarantees

The four TCP pricing packages are:

Credit Sentry Monitoring – $19 first work fee + $19 per month

This is the most basic package that is intended for clients that only want to access their credit reports and keep a close eye on their scores. It also comes with The Credit Pros identity theft protection.

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

Customers that 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 utilize National Credit Direct services.

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 the TCP’s partnership with Slash. However, National Credit Direct services are excluded.

Success 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.

The last two plans are a bit pricey, but they provide a lot of value for the 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.


Up until recently, The Credit Pros website clearly advertised its 90-day money-back guarantee, but at the time of writing this review, no mention of it could be found. Upon contacting them, we were assured that there in fact still was a refund policy in place.

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 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, its dedicated staff begins working on your credit reparation within days of you signing up, and the first credit boosts can be seen in under six months.

The Bottom Line

The main advantage of TCP are its 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 you getting your desired results significantly.

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 the most unique assortment of services we’ve seen so far. With that in mind, 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, 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 exact estimate. The type and number of negative items on your credit reports play a significant role in the overall duration of the 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 credit repair companies aren’t something you can’t 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 are considering to hire. The main warning signs you should look out for are unrealistic promises. No 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 checking 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 BB, and it’s been on the Inc 5000 list for six years straight. Its website very neatly lists five guarantees of 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 utmost respect as a TCP customer, and any inquiry that you may have will be dealt with quickly.