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The Credit Pros Credit Repair Review



The credit repair process typically involves disputing inaccurate negative information in your credit history, items that ended up on your report by no fault of your own. But if your credit score is also being weighed down by past credit mistakes, you’ll need much more than just credit repair to fix your score. The Credit Pros is a credit repair company that is also equipped to deal in many of these areas, including debt repayment and budgeting. Our review explains each of these services in depth and answers the one question that truly matters: Is the price really worth it?

Pros Explained

  • Free consultation: The Credit Pros will provide an initial phone consultation regarding your credit free of charge.
  • Includes several bonus services: In addition to credit disputes and monitoring, packages include financial planning tools, debt management services, identity theft monitoring, and more.
  • Offers a mobile app: The Credit Pros’ free mobile app is available for download on Apple and Android smartphones.
  • Unlimited credit disputes: There’s no hard-and-fast limit to the number of disputes The Credit Pros will send on your behalf each month, even with the most basic plan.
  • Bilingual services available: Customers can receive assistance in both English and Spanish.

Cons Explained

  • High initial fees: Initial work fees fall between $119 and $149.
  • No money-back guarantee: While The Credit Pros advertises a service guarantee, it doesn’t back these promises up with a refund if you fail to see results.
  • Limited educational resources: The Credit Pros provides some helpful information regarding credit health, but lags behind competitors in consumer education.
  • Website difficult to navigate: You may have difficulty locating the information you need on The Credit Pros’ website.

Types of Services

For customers interested in credit repair, The Credit Pros bundles its services into three different packages at various price points. As you’d expect, the more expensive plans include more services than the entry-level options.

The most notable aspect of The Credit Pros’ service offering is that each package addresses credit repair at a similar level. Many competitors drastically limit credit repair services with entry-level plans, in theory to convince customers to upgrade to a more expensive option. By contrast, the key difference between The Credit Pros’ plans is the scope of non-credit repair services included. This makes the company’s entry-level plan a fantastic value compared to other credit repair companies.

Money Management

The Money Management plan covers all the basic tools you might need to address your credit: unlimited monthly disputes, credit and identity monitoring, and access to financial planning tools like a budgeting system that syncs with your open credit accounts.

You’ll also get access to The Credit Pros’ debt management services, which are quite extensive compared to other credit repair services. When appropriate, the company will send debt validation letters on your behalf. If you have an accurate negative item on your credit report, The Credit Pros will help you address the debt using a snowball or avalanche repayment method. However, you’ll be limited to just one debt repayment account with the Money Management plan. To tackle more accounts at once, you’ll have to upgrade.

Prosperity Package

The Prosperity Package includes everything you’ll find in the Money Management plan but doesn’t limit you to a single debt repayment account. This makes the plan a more logical option for those who need to address more than just inaccurate items on their report.

Customers who choose this plan will also receive a subscription to SlashRx, a discount program that can help you save up to 80% on prescription medications.

Success Package

The Credit Pros’ premium plan, the Success Package, offers the most varied services. On top of everything that comes with the Prosperity Package, this plan includes access to National Credit Direct, a financing program that allows customers with poor or no credit to purchase items such as electronics and household goods, which can contribute to positive credit. The company also offers credit lines starting at $500 with 0% APR.

National Credit Direct’s financing program advertises consumer goods at low monthly payments with 0% APR, but as you might expect, there’s a catch. While you may not have to pay interest directly, the company includes the cost of doing business in its sticker prices. For example, the same Amazon Fire tablet sold by National Credit Direct for $174.99 can be purchased straight from Amazon for only $69.99.

  Money Management Prosperity Package Success Package
Monthly disputes Unlimited Unlimited Unlimited
Credit monitoring
Identity monitoring
Financial planning tools
Debt management √*
Prescription medication discounts  
Access to financing program    

*Limited to one negative item

Optional Add-Ons

Credit repair companies sometimes let customers further customize their plans with optional add-on services. While The Credit Pros doesn’t offer anything like this, we do want to make note of the company’s credit monitoring service.

CreditSentry Monitoring

CreditSentry is the same credit monitoring service included in all three credit repair packages, so customers already enrolled in one of The Credit Pros’ core services won’t see any benefit. However, if you don’t need credit repair services, the plan may be of interest. The cost is $19 per month and includes credit score updates, a new TransUnion credit report every 60 days, and identity theft monitoring.

Customer Service

While many credit repair services only offer assistance by phone and email, The Credit Pros goes above and beyond to make their representatives accessible. Of course, traditional phone and email correspondence are always available; phones are answered from 9:00 a.m. until 8:00 p.m. EST Monday through Friday. If you’re looking for something more convenient, however, a web chat is available during operating hours on The Credit Pros’ website.

The Credit Pros is also one of relatively few credit repair companies to offer a free mobile app. Customers can use the app to track their credit repair progress, view their credit reports, and get push notifications when score changes are detected. The app gets excellent reviews with 4.7-star average ratings in both the Google Play and Apple app stores.

Company Reputation

Customer reviews for The Credit Pros are mixed; while most are positive, there are also a few complaints to know about. The good news is that there are no official complaints on file with the Consumer Financial Protection Bureau, the government agency that acts as a watchdog over the credit repair industry. However, customers have filed complaints through unofficial channels.

The Credit Pros holds an A+ rating with the Better Business Bureau but has received 42 customer complaints in the past three years and gets an average review score of just 2.96 stars. On Google, The Credit Pros holds a more impressive 4.1-star rating. The most common complaint from customers is a failure to see any negative items removed from their report.

While credit repair companies can do their best to have inaccurate items removed from your report, no company is able to guarantee specific results. A free credit repair consultation is a great time to ask the company upfront which items on your report could be eligible for dispute. If the company can’t identify any legitimate discrepancies, credit repair may not be the right solution for you.

If you have a complaint about the services of a credit repair company, you can file a complaint with the Federal Trade Commission (FTC) or call 877-FTC-HELP.

Contract Duration

There are no contracts to worry about with The Credit Pros. All plans are month to month and can be canceled at any time as long as you contact the company before your next payment is due.


Although it’s hard to argue that The Credit Pros offers more expansive service options than almost any competitor, prices are also on the high end for the industry. Initial work fees for the entry-level Money Management plan, for example, are nearly twice the monthly fees for that package. Pricing for the most premium plan reaches $149 in first work and monthly fees, which is far from affordable if you’re simultaneously paying down debts to improve your credit. Those funds might be better used toward outstanding loan balances to improve your credit.

The Credit Pros justifies its high prices by bundling a laundry list of credit repair and financial services into each of its packages. To decide whether the cost is worth it, you should ask yourself if you honestly plan to use each service included. If the answer is no, you might be better off with a cheaper, no-frills package from a competitor.

  Money Management Prosperity Package Success Package
First work fee $119.00 $119.00 $149.00
Monthly fee $69.00 $119.99 $149.00

The Competition: The Credit Pros vs. Credit Nerds

Since The Credit Pros is on the more expensive end of the credit repair price range, we wanted to see how services compared to Credit Nerds, a competitor that sits squarely on the opposite end of the spectrum. Credit Nerds is the only company we’ve found that offers a basic credit repair service completely free of charge, although an upgraded credit audit is also available for a one-time charge of $97.

Credit Nerds is far from matching the same scope of services as The Credit Pros, but if your credit history is strong overall and the only issue you face is a handful of credit reporting inaccuracies, Credit Nerds is by far the better choice. With that said, if you’ve struggled with managing debt for an extended period of time and need professional help to address your credit from multiple angles, The Credit Pros could pay for itself, as long as you know you’ll use all the services that come with the monthly fee.

  The Credit Pros Credit Nerds
Year Founded 2009 2007
Services Offered Credit repair, monitoring, identity theft protection, financial planning Credit repair, funding
Customer Service Touchpoints Phone, email, client portal Phone, email
Upfront Fee $119.00 to $149.00 $0
Monthly Fee $69.00 to $149.00 $0


With advanced services that far exceed the limited scope of traditional credit repair, The Credit Pros is best suited for individuals with extensive credit damage following a long history of mismanaged debt. The company’s entry-level credit repair package offers exceptional value compared to equivalent plans from competitors, although you’ll have to balance this against an exceptionally high initial work fee.

At the end of the day, The Credit Pros is only worth it if you plan to take full advantage of all the services included in the package you choose. Even then, you should deeply consider whether those monthly fees would have a more positive impact on your credit if you used the funds to pay down balances instead.

How We Review Credit Repair Companies

We know how hard it can be to tell a legitimate credit repair company from an outright scam. Our credit repair reviews examine each company carefully to assess value and uncover any potential traps. We analyze each service at a microscopic level and compare packages to industry standards and equivalents from competitors. To get the broadest possible analysis, we also consider data from third-party ratings and government databases.

Learn more: Read out full Credit Repair Review Methodology here.

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Gov. Reynolds announces assistance to low-income Iowans in preventing eviction or regaining housing



DES MOINES, Ia. (KMTV) — Statement from the office of Governor Kim Reynolds

Governor Reynolds today announced that a total of nearly $9 million in assistance is available to eligible low-income Iowans who are at imminent risk of eviction and individuals who have lost housing to quickly regain housing stability. The funding will also provide support for homeless shelter operations. The funds are made available through a supplemental appropriation to the Emergency Solutions Grant program through the federal CARES Act.

“Throughout the pandemic, our focus has always been on protecting the lives and livelihoods of Iowans,” said Gov. Reynolds. “The funds announced today will assist those at risk of eviction while also providing support to homeless shelters supporting Iowa’s homeless population at this critical time. I appreciate the continued collaboration with our federal partners in support of the state’s pandemic response.”

“Providing housing assistance for Iowans in need remains a top priority,” said Iowa Finance Authority Executive Director, Debi Durham. “The ability for Iowans to thrive and prosper begins with a safe, stable place to call home and the program announced today will be essential in helping Iowans get back on their feet.”

The Emergency Solutions Grant program will help to prevent households from becoming homeless due to eviction, assist Iowans who have lost their home to eviction to regain rental housing as well as provide homeless shelters with financial support to assist with operations and outreach as they work to serve Iowans in need and mitigate the spread of COVID-19.

To be eligible for eviction prevention assistance to avoid homelessness, Iowans must have an income of 50% of the area median income or less and be at imminent risk of eviction in addition to meeting other eligibility criteria. To be eligible for assistance in rapidly regaining housing, Iowans must be currently experiencing homelessness.

Examples of assistance available to eligible individuals include rent and utility payments, including in arrears, legal assistance, application fees, security and utility deposits, moving costs, case management and credit repair. All financial assistance is paid directly to landlords and service providers.

Individuals in need of assistance must apply through the Coordinated Entry helpline in their area, which is available along with additional eligibility and program information at

Thirty-five agencies were awarded a total of $8.8 million in Emergency Solutions Grant Program funds. The full list of awards is available here. The assistance will remain available until all funds are exhausted or September 30, 2022.

The Emergency Solutions Grant program is administered by the U.S. Department of Housing and Urban Development and the Iowa Finance Authority in partnership with participating Iowa service agencies.

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Dovly, the Credit Repair Engine, Welcomes Todd Davis, Co-Founder and Former CEO of LifeLock, to Advisory Board



PHOENIX, Dec. 3, 2020 /PRNewswire/ — Dovly, the credit repair engine that tracks, manages, and fixes your credit, today announced the appointment of Todd Davis, co-founder and former chief executive officer (CEO) of identity protection leader LifeLock, to its board of advisors.

“Todd is one of the most innovative marketers and business leaders in the personal finance industry,” said Nirit Rubenstein, CEO and co-founder of Dovly. “His unique understanding of consumer mindsets and financial technology enabled him to create and scale a transformational business. His insights will help us take Dovly to the next level.”

“Millions of Americans have at least one serious mistake on their credit reports,” Todd Davis, co-founder and former CEO of LifeLock, explained, “yet far too many of those people aren’t even aware of it, nor do they understand the impact these mistakes have on credit scores. Dovly is a game changer.”

After launching his career with Dell in the early 1990s, Davis co-founded LifeLock in 2005. Five years later, the company ranked eighth on Inc. Magazine’s list of the 500 fastest growing companies in America, and in 2012, the company went public. By 2014, LifeLock had over three million subscribers and 700 employees. Symantec acquired the company in February 2017 for $2.3 billion. Davis now serves as chairman of the board of Kadenwood and Aesthetics Biomedical.

Dovly also welcomed Jacky Chiu, the former vice president of product of LifeLock, to its advisory board. Chiu is the co-founder and chief technology officer of Brightside, a financial technology company that recently secured a $35 million series A funding round led by Andreessen Horowitz.

About Dovly

Dovly is an advanced credit repair engine that tracks, manages, and fixes your credit. Dovly’s fully automated technology enables customers to get ahead financially by leveraging credit intelligence to repair credit scores. The company is headquartered in Phoenix, Arizona, and has increased its customer base by 160% this year alone. In June of 2020, Dovly raised a $2.25 million round of seed funding led by NFX, with participation from 1984 Ventures.

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Black Lives Matter job fair aims to provide economic opportunity in Polk County



LAKELAND, Fla. (WFLA) – Black Lives Matter organizers in Polk County are putting together a database to help lead people on the path to economic opportunity.

“I do a lot of things. General contracting, general clean up,” Tony Jones, of Lakeland, told a local recruiter.

Tony Jones, who lives in Lakeland

Jones is a veteran looking for a job. He served four years in the U.S. Army.

He wants to work, just needs an opportunity.

“You can’t pay no bills and eat if you’re sitting at home waiting for somebody to hand you something. You gotta get out and get it,” he said.

Jones came to the Dream Center in Lakeland to try to take those steps at a job fair organized by Black Lives Matter Restoration Polk Inc.

Black Lives Matter advocates protested to end police brutality this summer in Lakeland and all across the world with the ultimate goal of social justice.

“What’s going to happen next with Black Lives Matter after the marching and the rally? For us, it’s providing economic opportunity,” said Jarvis Washington, President & Founder of Black Lives Matter Restoration Polk Inc.

Wednesday’s job fair event launched Washington’s economic initiatives.

“We’re going to be working on the personal growth of the individual. We’re going to be helping them on everything from the mentoring program, credit repair programs, teaching them money management,” he said.

BLM partnered with Civitas Recruiting for the event.

Susan Freebern created the organization a few months ago to help community leaders steer under-served communities to good-paying jobs.

“They don’t know where to go to get these kinds of jobs. They don’t feel like they’re offered these kinds of jobs through regular staffing companies. I’m just going to go find those jobs and bring them to them,” she said.

On Wednesday, Civitas Recruiting and Black Lives Matter Restoration Polk gathered information to recruit workers for future projects through the Work Opportunity Tax Credit program.

“Nothing’s gonna be fixed overnight or taken care of. I think we just need to all strive together, make positive steps. That’s all you can do,” Jones said.

To sign up for the program click here.

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