The Credit People was founded in 2001 and strive 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 with bad credit. These benefits include a free credit report and a free credit score summary, 24-hour account access, and lower fees.
In addition to working with the major credit bureaus to remove negative items and clean 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.
The Credit People provide clients with all three credit reports and credit scores from the credit bureaus completely free.
The company's credit repair process company also 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 $79 per month, on a month by month basis for credit repair services or a flat rate of $419 for a complete six-month premium 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.
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 customers can use the company's services for a monthly fee of $79. 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 the following after using their credit repair services:
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, what affects their credit scores like student loans, late payments, credit card debt/other debt, and more.
The company's blog also touches on other various information clients should know about credit (FICO score, credit card usage, the interest-free grace period, credit unions, etc.)
While The Credit People handle each 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:
The Credit People charges clients a $19 setup fee.
Meanwhile, some other companies in the credit repair industry do not charge customers a setup fee for their services. Although The Credit People's costs are low, the company does not provide a no-cost trial period to clients.
The company does not provide any premium packages or services that clients can choose from. Instead, The Credit People just offers different payment structures ($79 per month or $419 for six months).
The company's lack of package and service options may add limitations to potential customers. For instance, some poor 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.
Call our recommended rep over at The Credit People below.
I have used The Credit People twice, once from 2015 to 2016 and again from 2018-2019. Both times they were very helpful and effective. My credit has been completely cleaned up, and scores are good to very good. I was able to get approval for my first AMEX card ever. Yes it takes some time for it to work, for me it was a 14-month process in the more recent run. Many times the credit bureaus would mail credit reports that did not remove the negative marks, and this would happen from month to month it seemed, and when finally one of the reporting agencies cleared a mark, we still had to work on the othe 2 agencies, and so forth. Also one of the credit card companies I had 2 cards with, would mail me letters each month asking me to specify which account that I was disputing, over and over again, and no matter how many times I uploaded the docs to The Credit People, that didn't seem to change. However, over the 14 months, all deragotory marks have been removed from all 3 credit reports. So I would say that it takes a bit of patience. Overall I am very pleased with the results, and it's not as expensive as some of the other providers. highly recommended!
I have tried to review them before and they lie and say they don't know who I am! I Hired them last year because after looking at my reports they claimed they could help. within four months I had my score increase by 18 points because of ME, not Credit People! I managed through writing the original creditor to get a collection removed. They had the nerve to email me and say your score has gone up! I pointed out that it went up because of MY EFFORTS, not theirs! Their response was unbelievable as they had the nerve to tell me that we are a partnership in this! That 'together" we will raise my score!! Lol...Nope I fired them & they only refunded me 1 month. In addition before I fired them my scores began to get worse even though I was paying down my credit cards and wasn't behind on anything. They never had an explanation just the perpetual it takes time. This was 5 months after I hired them. So NO I would not recommend this company.
Reply from The Credit People
Nov 22, 2019
Hi Kathy, We really appreciate you letting us know your concerns. Based on what you have described, we can see how it would frustrate you. First we wanted to say, we are truly sorry for any confusion. We have spoken with you many times when you had service with us, and we would never want you to feel we weren’t doing our best for you. You also mentioned that you have tried to review us before but you were informed we didn’t know who you are. The review you left on this site is a separate site than our company, so it sounds like you may have spoken to a rep that does not work with The Credit People. There are a few things we can definitely help clarify. In addition to the collection account you mentioned you removed on your own, we were able to remove 10 negative accounts from your reports (which is good news). Your scores should go up based on the collection account you removed as well as the other negative accounts we removed which included some charge off accounts. Consumers can always work on their credit at any time such as paying down the balances on any existing credit, making on-time payments, etc. The confusion comes in when you are working on your credit at the same time we are, and there is no way to determine who got which accounts removed. We typically don’t recommend our clients work on their credit at the same time we are so they can truly see what positive results we are getting for them. You mentioned before you stopped our service your scores decreased. We are so sorry to hear that, and we could have definitely reviewed where you were seeing your scores decrease to get to the bottom of what changed with your credit. Unfortunately, since this was a year ago, there is now way to determine now what changed previously. There is nothing we do in this process that would lower your scores, so it sounds like there was another factor impacting your scores at that time. We are so sorry you weren’t pleased with our service and as a courtesy, you did receive a refund for your last month of service. This means that you were with us for five months, and only paid for four. This was done to show you that in addition to the results we were able to get for you, we would also refund that last month. If you have any questions please feel free to contact us directly. Our number is 866-382-3410x4 or email support again at any time. Thank you again. Best Regards, -The Credit People -
I had some communication issues with them and once they realized I was having issues the reached out to me to relieve my frustration and explain what they were doing. I appreciated the representative's honesty with me and the way she handled the situation. I am still frustrated to have the one BIG issue on my reports not clearing and that is the reason for the 3 stars. The rep said that it could take a while, which is frustrating to me.
Reply from The Credit People
Oct 29, 2019
Hi Jorn! We appreciate you letting us know your concerns, and I'm so glad we were able to talk yesterday. It sounds like there was some confusion on what we were able to accomplish for you so far, and I think it helped to review each of your results (4 negative accounts removed so far in just three months). Credit Repair is not a fast process since there can be years worth of accounts on your reports, but we are seeing positive progress so far. We do care about you as a customer, and always want to get you the best results possible. We will continue to dispute your remaining negative accounts aggressively. Thank you!
Awesome job. Scores up about 90 points and a ton of stuff got fixed on my credit.
Solved all my credit issues and was able to get my credit score up !
The Credit People have literally changed my husband and I life. Helping and continuing to help with our credit have given us a brighter future.
They did what they said they would do. It took some time but that was expected but I am completely satisfied with what they accomplished.
They did what they said exactly. They helped me clean up my credit reports.
Good people, we'll worth the money, took my credit score from the 650's, to 720's
Been working with the credit people company for four months and with them forcing companies to update account information accounts remain on my report and my credit score have Deceased! About $400 dollars later/ 4mths later! Would not recommend using them I would highly recommend just doing it yourself!
Very happy with the progress of my bettering my credit. The Credit People have been a pleasure to work with.
This company is freaking amazing! They deliver on what they say they will do,,, Highly recommend them..
From day one Credit People were awesome. I was very pleased on the way they explained everything. Customer service was always very nice. If I emailed them they always responded promptly. They always kept me informed of what they were going to do and what they did. Never kept me in the dark. Keep in mind its your credit . So you have to do your part . As long as you do your part on your end, they take care of the rest. Very easy. I was very pleased with what they did with my credit. I couldn't get anything due to how bad my credit was and now I have credit cards. I've been approved for loans . It feels great that I was able to start over and rebuild my credit. The Credit People helped me do that.
The Credit People are the real deal. They do everything promised. I was able to get a low interest car loan, credit card, better housing. I am so pleased with their services. I highly recommend them to anyone with credit issues.
this was super simple and Im really happy thanks
These people take your money and tell lots of lies...dont trust these people save your...never working on your credit... but will email you if you miss a payment....DONT TRUST THESE PEOPLE!!!!!!!
Reply from The Credit People
Aug 27, 2019
Hi Derrick, we really appreciate your feedback, and we are so sorry to hear you were not pleased with our service. We have tried to reach you via phone and through this site to assist you further with your account. Unfortunately, you were only with us for 1 month (you paid the $19 start up fee, and you made one monthly payment and then put your account on "hold"). We do care about you as a customer, and want to get you the best results possible, but credit repair does take time, and there's only so much we can do in just 1 month. Please contact us at anytime if you'd like to review your account details, and discuss how we can assist you further (866-382-3410 and press option 4). We are always happy to help :)
10/10, folks. I gave them their $19 setup fee, I've been a client for 3 mos. now & giving them their $79/mo fee, and in exchange I've gotten a 40+ point boost to my credit score, I've gotten the best customer service, including prompt email replies to specific inquires, and they're already onto their second round of disputes on my behalf- I love The Credit People!
I was with them a few years ago and just came back after a recent divorce. I love how down to earth and easy they are to work with. Really good company and good people. I trust they’ll help me this time just like they did before
After a couple months I've already seen improvements and have been very happy. They have been on top of everything.
The Credit People really know what they're doing and they're great to deal with. Highly recommend them.
I wrote a review on 12/7/2018 and was frustrated over not being able to contact cs. I was informed via this site from tbe Credit People about live chat during business hours. I utilized this and answers were given. As I stated prior, with the help of this service and my own work, my score has increased and going into my fifth month will continue. I didn't create this problem overnight and as such, it can't be fixed overnight.
Reply from The Credit People
Dec 07, 2018
We hope this message finds you well. We appreciate your feedback, and we are so sorry to hear you are not pleased with our customer service. We do value our customers, and always want to make sure they feel comfortable, and have their questions answered. We do have the option to chat with a live representative on our website immediately during business hours of 9am-5m CST Mon - Fri. The best email to reach customer support is [email protected] (we generally respond within 24 business hours, and it's important to check your junk folder as sometimes our emails end up there depending on your spam filter). Unfortunately, based on your review, I'm not sure who you are to be able to assist you further with your account. However, it's great news that we have been able to remove some negative accounts from your reports. That's what we are here for :) Each time a negative account is removed from your reports, it clears up your reports to give you a better chance of getting approved for credit in the future, and it also increases your scores.
I am a skeptic by nature, but this is a diligent credit repair company. My credit was in the mid 500's and in about 2.5 years, it has raised it to the mid 700's. In all honesty, I would attribute half of that rise in score to the Credit People and the other half to my own efforts. If you do both in tandem, use their service while also responsibly addressing everything under your own control, you will see an exponential rise in your credit score. A sidenote: their customer service is always very attentive, knowledgeable and friendly.
They dad an amazing job raising our credit scores. They are very accessible and competent
James C Childers
Customer appreciation and very professional.
They exceeded my expectations. 100% of all the negative items were removed from all 3 of my credit reports.
Easy to work with and they did a better job then I thought they would.
My credit was improved so much from where it was unbelievable good turn around!
My credit scores have got up a great deal. Thanks
customer service was great and they help me
Did a great job. They know that they are doing. Very helpful.
Very poor service and overrated. I took over and got my issue resolved directly with merchant
Months and months of paying my $79 and my score didn’t improve at all! Zero response from their “customer service” every time I contacted them, until I demanded a cancellation and refund. They claimed there was a “plan in place” but apparently the plan was just to keep collecting money from a sucker. It’s hard to admit when you’ve been scammed, but this is 100% a scam company. Save your money and dispute by yourself using Credit Karma or a similar site for free.
I reach out to THE CREDIT PEOPLE to assist with my credit. HUGH MISTAKE...Since then, I have been sued by creditors who were once willing to work things out. When I reach out to them, their response was, "They just dispute items on your behave." Save your money, you can dispute anything and everything yourself , at no charge. Thanks for nothing. My situation is worse do to potential JUDGEMENTs.
Reply from The Credit People
Sep 10, 2018
Hi Salvatore, we are so sorry to hear you were not pleased with our service. We do care about our clients, and we aren't looking for them to be upset or frustrated in any way. We have been in business for over 16 years and helped thousands of clients to improve their credit. For your particular case, we were able to remove 12 negative accounts from your reports. That does help to clear up your reports from those negative marks, and it also helps to increase your scores. Just to clarify, we were here to dispute your negative accounts to have as many of them removed as legally possible. What that means is, if the creditor can't prove your account meets the legal requirement, or you were never past due, or the account was never yours, it could be removed from your reports. However, if an account is yours, and it is an outstanding debt that was never paid, any creditor can choose to take you to court and get a judgement against you (that is entirely up to the creditors discretion and we don't have any control over that). With that being said, we can completely understand your frustration in being sued. We would hope you would consider the negative accounts we were able to have removed from your reports while you had our service. We truly wish you all the best in all you do moving forward! - The Credit People
It was hard to get a hold of someone to help me. I did it myself and got better results. It was a waste of time and money for me.
Reply from The Credit People
Sep 10, 2018
Hi Sarina, We are so sorry to hear you were not pleased with our service. We would never want any of our customers to feel it was a waste of time or money. I did review your account to see if I could assist you further, and I see that you were only with us for 2.5 months (you signed up on 12/8/17 and cancelled on 2/26/18). During that 2.5 month period, we were able to confirm that 15 of your negative accounts were removed from your reports based on our service (which was a 65.22% improvement). That's actually fantastic results in a short period of time. By having those negative accounts removed from your reports, it increases your chances of getting approved for credit in the future, and it also increases your credit scores. In the short time you were with us, we did review your account with you over the phone twice, and also sent you 10 email updates during those two months. Credit repair is not typically a fast process and most clients take approximately 6-7 months to complete their credit repair. However, Congratulations on having more cleared up reports and higher scores! We wish you all the best in all you do moving forward. - The Credit People
My score went up 100+ points! The process took a bit longer than I thought (about 10 months), but it was well worth it.
I had repaired my credit up to about 125 points and hit a wall, they pushed past the wall and fixed the sticking points the rest of the way. I had one mark that required a special handling, and because they handled all the inconsistencies I was able to focus in on the one and get the necessary filings done to remove it as well!1
Because they kept their promise and my credit was up multiple points, making me qualified for my first home.
good communication, excellent customer service, good results
They did a great job and dealt with a lot of stuff.
The best company ever. Your prices went up already that's not good
effective in increasing my credit score and eliminating bad information in my credit reports
I really appreciate the fast and precise service.
We made progress and improvement. My score was increased.
My friends call me Kush.
Accessible, responsive, affordable and true to their word. They did for my credit what they said they would do.
They help as much to keep your credit clean and your score higher!
They did exactly what they advertise to do, repair my credit.
They exceeded my expectations removing everything negative from my credit reports.
I actually signed up for credit repair with two different companies and right away, The Credit People had the best support. I have never had any problems with their customer service. They tell you exactly what they are going to do. I was very satisfied with them and all their help they provided.
Going with The Credit People was the best decision I've made in my life. They were very attentive, respectful, and went above and beyond what they said they would do. My credit score went from 500 to 660 with them. Customer Support is always prompt and help solve my problems. I have a great relationship with them.
Sometimes it's hard to get on the phone with someone over at customer support. It was a good decision for me to go with them, because they helped my credit report improve quickly. They removed charges off my credit account quickly because they were false charges due to my identity being stolen.