The Credit Pros
The Credit Pros is a privately held, technology-enabled subscription credit repair company founded in 2007 that helps U.S. consumers remove inaccurate items from credit reports, build credit via $5,000 tradelines, and access NACSO-certified consultations through an AI-featured 24/7 client portal.
- Company typePrivate
- Founded2007
- HeadquartersNewark, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What The Credit Pros does
The Credit Pros (legal entity: The Credit Pros International Corporation) is a privately held, technology-enabled consumer credit repair company founded in 2007 by Jason M. Kaplan, Esq., a former assistant district attorney and public defender, and Damon DeCrescenzo, a former mortgage technology professional. The company delivers monthly subscription credit repair and credit building services to U.S. consumers, centered on unlimited dispute letters (including cease-and-desist, debt validation, and goodwill letters), credit monitoring across all three bureaus, ID theft restoration and insurance, one-on-one consultation with NACSO-certified specialists, and a credit building program that reports payments through a $5,000 tradeline. Its proprietary technology stack consists of an AI-marketed credit management toolset delivered through a 24/7 client portal (portal.thecreditpros.com), offering personalized score insights, credit report aggregation, and automated dispute tracking; no public API, SDK, or MCP surface is offered and no proprietary AI model is disclosed.
The business model is direct-to-consumer subscription with monthly billing; specific tier pricing is not publicly disclosed but is gated behind phone consultation or a 90-second online enrollment flow that includes a $100 online-only discount. Distribution combines self-serve web signup, a phone-based inside-sales motion (800-411-3050), live chat, an affiliate channel (creditrepaircash.com), and content marketing through the company blog and social channels (Facebook, Instagram, X). The company is founder-owned, appears bootstrapped with no external institutional funding disclosed, and operates exclusively in the United States, with services unavailable in Maine, Kansas, Minnesota, and Oregon due to state-level credit services regulations. Customer segmentation is horizontal across four use cases: individuals disputing credit report errors, prospective mortgage applicants, credit building seekers, and households/families seeking joint credit optimization, the last of which is supported by the Family Plan offering.
In 2016, the company acquired Credit Assistance Network for an undisclosed amount, and in June 2026 it disclosed a data breach in which threat actor 'Icarus' claimed responsibility for accessing its Salesforce environment and exposing personal and financial data, an event now under investigation by Edelson Lechtzin LLP and a material risk consideration.
The Credit Pros firmographics
Firmographics- Name
- The Credit Pros
- Legal name
- The Credit Pros International Corporation
- Website
- https://thecreditpros.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- The Credit Pros is a privately held, technology-enabled subscription credit repair company founded in 2007 that helps U.S. consumers remove inaccurate items from credit reports, build credit via $5,000 tradelines, and access NACSO-certified consultations through an AI-featured 24/7 client portal.
- Ownership category
- akta.pro rank
The Credit Pros industry classification
Industry- Product category
- Credit Repair Services
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Bureaus (561450)
- SIC
- Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Repair & Credit Score Advisory (FSAEAFAD)
- akta.pro secondary industries
- Credit Score Monitoring & Credit Building (FSAGADAE), Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Consumer Credit Counseling & Budgeting (FSAEAFAA)
Keywords
Where The Credit Pros is headquartered
LocationHeadquarters
- HQ city
- Newark
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
The Credit Pros business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Credit Repair Services: Monthly subscription plans for credit repair services including unlimited disputes of questionable items, credit monitoring, consultation with certified specialists, and ID theft restoration. Family plan discounts available.
- Credit Building Services: Credit building programs including tradeline reporting that helps clients establish or improve their credit scores through positive payment history reporting.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Credit Repair Plan |
| Subscription | Monthly | Family Plan |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
The Credit Pros product offering
Product offeringCore offering
The Credit Pros is a technology-enabled credit repair company that helps consumers identify, dispute, and remove inaccurate or outdated items (especially debt collection accounts) from their credit reports. The company also offers a credit building program that reports client payments using a $5,000 tradeline to establish or rebuild credit history. Services are delivered through monthly subscription plans that include unlimited dispute letters, credit monitoring, ID theft restoration and insurance, one-on-one consultations with NACSO-certified specialists, and 24/7 access to a client portal powered by AI-based credit management tools.
Product overview
The Credit Pros offers a comprehensive credit repair and improvement platform. The core offerings include Credit Repair Services for removing inaccurate items from credit reports and a Build Credit Service that reports payments through tradelines. These are supported by a Client Portal platform providing 24/7 access to credit reports and personalized insights. Additional add-on modules include Credit Monitoring, ID Theft Restoration and Insurance, NACSO Certified Specialist Consultation, Family Plan discounts, and Dispute Letter Services (unlimited disputes, cease and desist, debt validation, and goodwill letters). The company also provides educational resources through its Credit Building Tools. Founded in 2007, the company positions itself as a decade-long provider of credit repair services.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Repair Services Core monthly subscription service for individual consumers that helps remove inaccurate, outdated, or erroneous items (especially debt collection accounts) from credit reports through unlimited dispute letters, cease and desist letters, debt validation letters, and goodwill letters.
- Build Credit Service Credit building program that helps individual consumers establish or rebuild credit history by reporting their payments to credit bureaus through a $5,000 tradeline, supporting improved access to credit and better loan terms.
- Client Portal Subscription-gated online platform for clients to access their credit reports from all three bureaus, view personalized score insights, monitor progress, and manage account activity on a 24/7 basis.
Quantifiable outcome
- 60-day satisfaction guaranty
- +2 more outcomes
Companies that use The Credit Pros
Customer profileSegments4 records
Ideal customer profiles4 records
The Credit Pros technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
The Credit Pros partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights4 records
The Credit Pros competitors and assessment
Company assessmentBroad incumbents
- Credit Karma: Free credit monitoring, scores, and educational content from all three bureaus, owned by Intuit. A scaled incumbent that pressures subscription pricing across the credit-repair category, while also serving as a free alternative to many The Credit Pros features.
- Experian: One of the three major US credit bureaus offering consumer credit monitoring, FICO scores, and identity-theft protection. Adjacent incumbent whose data The Credit Pros relies on and whose free consumer products set the competitive floor.
Direct peers
- CreditRepair.com: Subscription credit repair service with online dashboard, dispute letter services, and credit education — a direct competitor targeting the same consumer credit-repair use case.
- The Credit People: Subscription and one-time-fee credit repair service for individuals, with online dashboard access and dispute letter generation — directly competing for the same credit-error consumer persona.
- Lexington Law: One of the largest and most recognized credit repair firms in the US, offering subscription-based dispute services, credit monitoring, and paralegal support — directly comparable to The Credit Pros' core subscription credit repair offering and target consumer base.
- Ovation Credit Services: Subscription-based credit repair and credit education service with certified specialists and an online portal — comparable in operating model and customer targeting.
- Sky Blue Credit Repair: Established subscription-based credit repair service with unlimited disputes, credit score analysis, and good-faith interventions. Closely comparable on product scope, pricing model, and direct-to-consumer GTM.
- Credit Saint: Subscription credit repair firm offering tiered plans with dispute letters, score tracking, and credit monitoring — overlapping directly with The Credit Pros' core plans and customer segment.
Emerging players
- Self (formerly Self Lender): Credit-builder fintech offering small installment loans whose payments are reported to bureaus to build credit history. Directly comparable to The Credit Pros' $5,000 tradeline/Build Credit product but with a tech-led, no-human-advisor model.
- Extra (debit card): Debit card that reports spending to credit bureaus to build credit history. Emerging player in the credit-building category, partially overlapping with The Credit Pros' Build Credit offering for thin-file consumers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
The Credit Pros social profiles
Digital presenceThe Credit Pros financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Credit Pros leadership team
Management profileNumber of profiles
Profiles2 records
The Credit Pros funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Credit Pros M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Credit Pros
What does The Credit Pros do?
The Credit Pros is a technology-enabled credit repair company that helps consumers identify, dispute, and remove inaccurate or outdated items (especially debt collection accounts) from their credit reports. The company also offers a credit building program that reports client payments using a $5,000 tradeline to establish or rebuild credit history. Services are delivered through monthly subscription plans that include unlimited dispute letters, credit monitoring, ID theft restoration and insurance, one-on-one consultations with NACSO-certified specialists, and 24/7 access to a client portal powered by AI-based credit management tools.
Is The Credit Pros a public or private company?
The Credit Pros is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was The Credit Pros founded?
The Credit Pros was founded in 2007. It employs 51 to 100 people.
Where is The Credit Pros based?
The Credit Pros is headquartered in Newark, United States, in the North America region.
How does The Credit Pros make money?
Two revenue lines are on record. Credit Repair Services are the primary driver. The others are credit Building Services.
Who are The Credit Pros's main competitors?
Broad incumbents on record are Credit Karma and Experian. Direct peers are CreditRepair.com, The Credit People, Lexington Law, Ovation Credit Services, Sky Blue Credit Repair and Credit Saint. Emerging players are Self (formerly Self Lender) and Extra (debit card).
Does The Credit Pros have an API?
No public API is recorded for The Credit Pros.
What industry is The Credit Pros in?
The Credit Pros's product category is Credit Repair Services. Its primary akta.pro industry code is FSAEAFAD, Credit Repair & Credit Score Advisory, with a secondary code of FSAGADAE, Credit Score Monitoring & Credit Building. Its NAICS code is 5223 and its SIC code is 6141.