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Mi Gente Credito

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LAST UPDATED: September 16th, 2022

Mi Gente Credito was founded in Florida in 2018 and provides credit repair software and programs to help Spanish speakers access financial tools that can help with the credit repair process. The company's website and instructional YouTube channel are all in Spanish.

Mi Gente Credito claims to be the easiest and fastest credit repair in the market. Its platform is cloud based and gives customers the reins to take control of their credit. This service is suggested for those looking to resolve generic disputes. Because customers do their own paperwork, Mi Gente Credito’s services are much cheaper than hiring a credit repair company. It has over 17,000 active users and has helped repair 35,000 credit accounts. 

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The Good

  • No Up-front Costs
  • Services Offered
  • Plan Options

No Up-front Costs

Up-front costs are common in the credit repair industry, which is understandable as it takes money and time to pull a client’s credit report, conduct an analysis, and gather financial documentation. As a DIY credit software company, Mi Gente Credito offers a different pricing structure which does not require an up-front cost from clients. 

Services Offered

Mi Gente Credito’s credit repair software is not the only service customers are able to take advantage of. In addition to business financial consulting, the company also provides assistance with obtaining commercial credit lines and finding low interest loans for businesses. Mi Gente Credito offers a business credit guide for an additional cost on its website.  

For those who are not confident in their English language skills, Mi Gente Credito helps with proofing, printing, and mailing dispute letters to credit agencies to resolve infractions. 

Plan Options

Mi Gente Credito offers members three levels of credit repair plans:   

  • Essential Plan ($49.99 per month) —  Members of this basic plan can access Mi Gente Credito’s software to repair unlimited account disputes and get monthly reports for all three credit agencies. The plan also provides identity card insurance and alerts customers to credit flags. 
  • Premium Plan ($59.99 per month) —  As the most popular option for customers, this plan offers all the resources of the Essential Plan along with use of money manager software and 2 updated Transunion reports. 
  • Full Plan ($69.99 per month) —  This plan offers all the resources of the Premium Plan along with unlimited Transunion reports. 
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The Bad

  • Few Reviews
  • No Service Guarantee

Few Reviews

There are very few reviews for this credit repair company. This should be a concern for customers as online reviews are undeniably one of the best ways to evaluate a company. Umfortunately, credit repair companies have a generally mixed reputation. Potential customers want to read positive first-hand reviews to have confidence in working with a company. 

No Service Guarantee

Unlike some other companies in the credit repair industry, Mi Gente Credito does not provide a service guarantee. The company does claim, however, that clients can cancel services at any time. 

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The Bottom Line

While Mi Gente Credito seems to be working towards providing a reputable service to help those who are in need of credit repair assistance and are not confident in their English skills, we would hesitate recommending it without having reviews of past clients.

However, we are very impressed with this company’s goal to help those that are underserved at a price point that is fair. Mi Gente Credito’s software and YouTube platform offer great tools and financial resources that are beneficial for the credit repair process. 

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