Is Legit? Everything You Need to Know

Jaron Pak
A young man speaks with a credit representative.

The Credit Pros is a company that specializes in credit repair. Your credit can be damaged in many different ways, from missing a mortgage payment to maxing out a credit card.

If your credit score is suffering, it’s only natural that you’ll want to fix the issue. This is known as credit repair, and it is an involved process that requires constant negotiation with credit bureaus.

The Credit Pros offers a professional service that can handle a significant portion of the credit repair process for you. If you already know you want to use The Credit Pros, you can contact them by phone at 800-411-3050 or by email at

If you’re interested in learning more about The Credit Pros’s services, read on. While the primary services that The Credit Pros offer are outlined further down, they also provide:

  • Cease and desist letters to collection agencies.
  • Debt validation letters to creditors.
  • Goodwill letters to creditors.

The service is split into four packages that offer a slew of different benefits and begin at $19 per month and go up to $149 per month.

Table of Contents

Access to Credit Reports

The Credit Pros provides you with basic access to the lifeline of your credit’s health: your credit report. Your credit report is a record of your personal and financial information. It is a powerful tool in helping to build your credit and, by extension, maintain healthy finances.

The Credit Pros provide you with an easy-to-read version of your credit report. In addition, they grade it and give simple-yet-effective insights into how your report is doing and how it might be improved.

Credit Monitoring

Your credit score can go up and down for a myriad of different reasons. On the one hand, if you open up a new line of credit or pay off a debt, your score may go up since your credit utilization ratio will decrease. On the other hand, if you take out a large new loan or a financial institution conducts a hard credit check on your account, your score could go down.

Secured Credit Cards

Regardless of the reason, The Credit Pros provides credit monitoring along with their other services and at no extra cost to your membership. This service can alert you when a change takes place with your credit score. These notifications can help you remain aware of the state of your finances and can help you catch any unsavory activity — such as credit card fraud or a mistake on your credit report — before it does any long-term damage.

Free Consultation

One of The Credit Pros’ more advantageous services comes in the form of a free consultation. This isn’t simply an unknown entity sending you financial advice over an email conversation.

The Credit Pros provides you with a certified FICO professional agent who can deliver one-on-one analysis and actionable advice in regards to how to fix or improve your current credit situation.

ID Theft Restoration and Insurance

ID theft restoration and ID theft insurance help to protect you against the repercussions of having your identity stolen. It can help to cover expenses and it works to restore your identity (and credit, by extension) to a healthy place.

The Credit Pros offers its own ID theft restoration and insurance policy through its partner Insuramatch. This can help you catch fraud quickly and recover more rapidly from an identity theft situation.

Dispute Letters

If there is an error on your credit report, you can file a dispute letter. This challenges the error requests that it be removed by the credit bureaus, and prompts the bureaus to adjust your score and credit report accordingly.

The Credit Pros focuses on the dispute letter process for you. Each credit bureau handles disputes in different ways, and the process can be a bit overwhelming. The Credit Pros will put in the grunt work and help to initiate a quick uptick in your score by removing incorrect information from your report as quickly as possible.

The Credit Pros App

Finally, once you are signed up for The Credit Pros membership, you will be able to access their services via both a desktop computer and a mobile application. The latter can be downloaded either in the Google Play Store or the Apple store.

Choosing a credit repair company is a personal choice that you should make with care. If The Credit Pros can’t help you out, check out one of our favorite credit repair companies.

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