The Credit People was founded in 2001 and has since strived to provide hope to those in bad credit situations and share how better credit awaits them in the future. With many years of credit repair experience, The Credit People have helped over 100,000 people raise their credit scores. The credit repair company states that everything it does is centered on providing the highest quality service with unmatched benefits for potential and current clients. These benefits include free credit reports and credit scores, 24 hour account access, and lower fees. In addition to removing negative items and cleaning up credit issues, this credit repair company strives to focus on obtaining score-driven results which includes going beyond traditional dispute routes in order to raise a client's credit score.
- Low Price
- No Hidden Fees
- Satisfaction Guarantee
- Member Resources
The Credit People provide clients with all three credit reports and all three credit scores from the credit bureaus completely free. Also, the credit repair company focuses on ensuring that clients receive the highest credit score increase they can possibly achieve. The Credit People have many great features that go along with its credit repair services, such as:
Potential clients can choose to either pay $69 a month, on a month by month basis, or $299 for a complete six-month credit repair program. This is much lower than what most other credit repair companies charge. For these prices, The Credit People will dispute items on credit reports from all three major credit bureaus, work to fix every client's poor credit, will keep each client updated on the credit repair process, help clients become motivated to better maintain their credit history, and much more. The Credit People also offer a free credit consultation to all clients.
No Hidden Fees
The Credit People strive to be very transparent when it comes to helping clients achieve a level of good credit. Their credit repair pricing details are all on their website and potential clients can even try out The Credit People's service for seven days for only $19 and continue on with their service for $69 a month. There are also no hidden fees or any extra costs.
The Credit People offer a 60-day, 100 percent satisfaction guarantee. The firm claims "you'll never pay for anything you aren't happy with." Clients have the ability to cancel their monthly membership with The Credit People whenever they please. According to the company's website, The Credit People's clients are able to obtain a 30 percent average increase in credit scores, 71 percent auto loan approval after using the credit repair company services, a 64 percent home loan approval, a 74 percent new credit approval and a 67 percent approval for refinancing.
Clients have 24-hour online account access, which is a great resource for members. In addition, there is a blog, educational material, and answers to frequently asked questions for potential and current clients to learn more about credit repair services and what affects their credit scores (student loans, credit card debt/other debt, etc).
- Case Set-Up Cost
- Limited Package Options
- Payment Options
While The Credit People handle the credit case with little to no client work (meaning the client does not have to be an active participant), it is important to note the following:
Case Set-Up Cost
The Credit People charges clients $19 for the first seven days of service to get case setup. Meanwhile, some other credit repair companies offer customers a free trial period for services. Although The Credit People's costs are low, the company does not provide a no-cost trial period to clients.
Limited Package Options
The company does not provide any premium packages or services that clients can choose from. Instead, The Credit People just offers different payment structures ($69 per month or $299 for six months). The company's lack of package and service options may add limitations to potential customers. For instance, some credit situations require more intense credit repair and attention than others. Without options, the customers must be satisfied with the offered company services.
Unlike many other companies in the credit repair industry, The Credit People do not adhere to the "pay-per-deletion" pricing option. The company follows a monthly/six month payment plan. However, they do implement a satisfaction guarantee for all clients which allows for some pricing flexibility.
The Bottom Line
The Credit People have very affordable prices for their credit repair services and a 60-day, 100 percent satisfaction guarantee. Combine this with a significant amount of positive reviews and no hidden fees, and The Credit People prove that they are a great option for credit repair. There have been some consumers who have experienced slow removal times, but they are few. Credit situations vary per client, so some clients may see results sooner than others. On their website, the company states that most customers that use their services "see results within the first 45-60 days". We recommend The Credit People for their advanced experience and for standing by their credit repair services. Those who choose to sign up with The Credit People will not have to worry about communicating with the creditors as that will be handled by their assigned credit specialist.