Is credit repair legitimate?

Credit repair is a legitimate service that helps consumers improve their credit scores by correcting inaccurate and misleading information on their credit reports. However, there are some bad actors within the credit repair industry, so it’s important to watch for credit repair scams.

Do I need to hire a credit repair company?

Not necessarily. You can always repair your credit yourself by contacting the credit bureaus directly to dispute errors on your credit reports. It is also possible to build and repair your credit over time by paying bills on time and keeping your credit utilization low. Review the pros and cons of credit repair companies before you make a decision.

How do I choose a credit repair company?

If you decide to use a credit repair company, invest a little time in researching and selecting the right credit repair company for your unique situation. You can start by checking out our overview of the best credit repair companies to compare them based on services, rates, guarantees and online reviews.

How long does credit repair take?

The time it takes to increase your credit score depends on the overall health of your score and the issues affecting it. For example, if you successfully remove a misreported late payment from your record, your score could get a quick boost in just a few months. However, with a foreclosure or bankruptcy, it could take years to repair your credit.

The Credit Pros Credit Repair Review

Best for: Range of service

The Credit Pros

4

Start-up fee: $119–$149
Monthly fee: $69–$149
Satisfaction guarantee: 60 days
Maximum number of disputes: Unlimited with the Repair Credit and Repair + Build Credit packages
Types of letters to creditors/bureaus: Dispute, reference, intervention, cease and desist
Pros

Wide range of service offerings: Packages range from money management tools, such as budgeting and bill payment reminders, to unlimited disputes with all three credit bureaus. There’s even an option to open a credit line of up to $5,000 to help you build your credit.

Spanish language accessibility: The website can easily be switched from English to Spanish, and there is a dedicated phone number for assistance in Spanish.

60-day satisfaction guarantee: If you are not happy with your results after the first 60 days, The Credit Pros will extend you an additional two months of service for free.

Cons

Cheapest package may not be helpful: The most affordable package focuses on credit building, not credit repair, and does not include credit disputes or creditor interventions.

Services are more expensive than many competitors: The package that offers a standard suite of credit repair services costs $129 per month plus a $129 first-work fee.

The Credit Pros offers a wide range of services to help customers not only repair their credit but also build better credit through money management resources and credit-building tools. The company also provides valuable credit repair tools such as unlimited disputes, three-bureau credit monitoring and a free credit consultation.

The Credit Pros recently revamped its services and now offers straightforward packages that allow customers to choose a plan based on their credit goals. Many consumers may find its services comparatively pricey, however. Here's a look at what the company has to offer.

The Credit Pros services

The Credit Pros offers various services depending on the package you select, including the following:

Access to credit reports and scores from all three credit bureaus
Dark web monitoring
Fraud alerts from TransUnion
Bill reminder system
Debt payoff and budgeting system
Unlimited credit bureau disputes
Creditor interventions
Cease and desist letters
Letters of reference
Credit builder loan program
Positive payment reporting

What The Credit Pros does not cover

Credit repair packages

The Credit Pros currently offers three credit building and repair packages.

The Build Credit package

For $69 per month plus a $119 first-work fee, you get access to tools that can help you build your credit and manage your finances. This suite of services includes:

One-bureau credit monitoring
Positive payment reporting
Fraud alerts from TransUnion
Dark web and ID monitoring
Bill payment reminders
Debt payoff plans
Budgeting system

The positive payment reporting service will report your monthly The Credit Pros payment to all three credit bureaus as positive payment history. You will not get access to disputes or creditor interventions with this package, as it has been designed to help you build your credit, not repair it.

The Repair Credit package

For $129 per month plus a $129 first-work fee, you get nearly everything from the Build Credit package plus the traditional credit repair services, such as:

Unlimited disputes with all three credit bureaus
Creditor interventions
Cease-and-desist letters
Letters of reference
Access to all three credit reports and scores

This package does not include the positive payment reporting service that comes with the Build Credit package.

The Repair + Build Credit package

For $149 per month plus a $149 first-work fee, you get everything included in the Repair Credit and Build Credit packages. Additionally, you’ll get access to the Credit Builder Loan Program. If you qualify, this program offers you a credit line of up to $5,000 from National Credit Direct.

This loan starts as a layaway program that awards you a credit line once you’ve made enough consecutive, on-time payments. Once approved for a credit line of up to $5,000, you can make non-layaway purchases and earn rewards points. The downside is that all purchases have to be made using the National Credit Direct website.

Additional features

Free credit consultation

The Credit Pros offers a free credit consultation via chat or phone to help you understand how to improve your credit.

Spanish language assistance

The website can easily be translated into Spanish by clicking on the Mexican flag in the header. There is also a dedicated Spanish-speaking phone line at 973-968-6976.

60-day satisfaction guarantee

If, after two months of services, you are unsatisfied with the experience or results, The Credit Pros will extend your services for free for up to two additional months. You can also cancel your package at any time.

The Credit Pros serves 46 out of 50 states and offers an online chat feature as well as multiple other contact methods.

Availability

The Credit Pros currently serves 46 states. The states not serviced are Kansas, Maine, Minnesota and Oregon.

Contact information

Customer support is available by phone, online chat and email. However, service hours are not posted online. The company's customer support line is 800-207-3578, and its email address is info@thecreditpros.com.

The social media for The Credit Pros are:

The Credit Pros provides customer-friendly features like an easy-to-navigate website, clear pricing and a flexible month-to-month subscription model you can cancel at any time.

However, as with most credit repair services, the customer experience depends largely on results. Customers who see an improvement in their credit score are generally satisfied with The Credit Pros, while those who don’t see much credit score improvement are unsatisfied with their experience.

Contract duration

Customers do not need to sign a contract with The Credit Pros. Instead, you can subscribe to a monthly service package and cancel the subscription at any time to avoid further charges.

Customer and third-party reviews

BBB average rating: 3.92 stars with 150 reviews. The Credit Pros is not currently accredited by the Better Business Bureau. However, it does have an A+ rating.
Consumer Affairs average rating: 4.8 stars with 125 reviews
Google Reviews average rating: 4.2 stars with 636 reviews
Trustpilot average rating: Not available due to a breach of Trustpilot’s guidelines. Trustpilot removed numerous reviews they believed were fake. As a result, they are currently not providing a TrustScore.

*Review information accurate as of January 9, 2025.

It is important to remember that credit repair companies can only correct inaccurate, outdated and misleading information on your credit report; they cannot remove accurate negative marks. You have to do your part as a consumer to improve your credit score, such as paying your bills on time and keeping your credit balances low.

The Credit Pros has many strong reviews from satisfied customers who love the easy sign-up process and are happy with their credit score improvement. However, there are also the expected negative reviews from customers who did not see their credit scores improve.

One of the most notable complaints involves the process of canceling services. Many reviewers report that canceling is difficult. Also, there is confusion about the lack of refund with The Credit Pros’ new 60-day satisfaction guarantee, which was previously a 90-day money-back guarantee.

Regulatory and legal

Credit Pros has run into a few legal issues related to advertising practices. Plaintiffs in the suits brought against the company allege that The Credit Pros violated TCPA regulations by using auto-dialers and/or text bots to promote its services.

How The Credit Pros compares

The Credit Pros vs. Lexington Law

With a price point of $139.95/month, Lexington Law is a credit repair service missing some of the extra features that The Credit Pros provides. Disputes are limited, credit monitoring is restricted to TransUnion, and the package lacks the credit-building features of The Credit Pros.

However, Lexington Law does offer a few features that The Credit Pros does not, including $1 million in identity theft insurance, FICO credit scores and a team of legal experts. Plus, you can get started with a free trial and no first-work fee. Lexington Law also provides an impressive library of free resources to help consumers fix credit issues, build a solid credit history and maintain a good credit score.

The Credit Pros vs. CreditRepair.com

If you’re looking for a budget-friendly credit repair company, CreditRepair.com offers credit repair packages starting at $49.95 per month. CreditRepair.com does not offer money management tools like The Credit Pros does, but its low-priced Direct package covers basic credit repair services, including dispute letters and quarterly credit score updates. CreditRepair.com also offers ID Theft insurance but — unlike The Credit Pros, no satisfaction guarantee.

The Credit Pros vs. Credit Saint

Like The Credit Pros, Credit Saint offers three service packages ranging in price from $79.99 to $139.99 per month plus first-work fees. If you just need basic credit repair services, the $79.99 Credit Polish plan may be all you need. However, the $139.99 Clean Slate plan is most similar to The Credit Pros' $149 Repair + Build Credit plan. Credit Saint does not offer money management tools, but the Clean Slate plan offers a loan readiness program through Acqualify. Credit Saint is also BBB accredited and offers a money-back guarantee on its services.

Frequently asked questions

Credit repair is a legitimate service that helps consumers improve their credit scores by correcting inaccurate and misleading information on their credit reports. However, there are some bad actors within the credit repair industry, so it’s important to watch for credit repair scams.
Not necessarily. You can always repair your credit yourself by contacting the credit bureaus directly to dispute errors on your credit reports. It is also possible to build and repair your credit over time by paying bills on time and keeping your credit utilization low. Review the pros and cons of credit repair companies before you make a decision.
If you decide to use a credit repair company, invest a little time in researching and selecting the right credit repair company for your unique situation. You can start by checking out our overview of the best credit repair companies to compare them based on services, rates, guarantees and online reviews.
The time it takes to increase your credit score depends on the overall health of your score and the issues affecting it. For example, if you successfully remove a misreported late payment from your record, your score could get a quick boost in just a few months. However, with a foreclosure or bankruptcy, it could take years to repair your credit.

Methodology

Overall score	4.0
Services offered	4.5	The Credit Pros offers a wide range of services, but some of them are locked behind higher prices.
Affordability	3.3	The Credit Pros has higher setup fees than most competitors and high month fees for services specific to credit restoration.
Customer service	4.4	The Credit Pros offers several contact options and availability across most of the nation.
Expertise/Effectiveness	3.8	The Credit Pros has mixed reviews about its effectiveness and has had past legal issues.

To evaluate the best credit repair companies, the Bankrate team looked at the following factors:

Affordability: We looked at the overall affordability of the company, including start-up fees, late fees and monthly fees.
Customer service: To evaluate customer service, we considered factors such as customer service hours, the number of support channels, the prevalence of disclaimers and the number of states available.
Expertise and effectiveness: Companies were scored based on factors including number of years in the business, customer ratings, the average score improvement and if the company has experienced legal issues in the past.
Services: Credit repair companies were evaluated based on the number and types of services offered. We look at whether companies offer services such as identity theft monitoring, the number of disputes per month, credit score monitoring, education and debt trackers to evaluate how each company's services compare.