The Credit People provides hope to those in bad credit situations and shares how better credit awaits them in the future. With 15 years of experience, the Credit Pros have helped over 100,000 people with their credit. The firm states that everything they do is centered on providing the highest quality service with unmatched benefits for potential and current clients.
The Credit People provide clients with all 3 credit reports AND all 3 credit scores from the credit bureaus completely free. Also, the firm focuses on ensuring that clients receive the highest credit score increase they can possibly achieve. The Credit People have many great features, such as:
Potential clients can choose to either pay $59 a month, on a month by month basis, or $299 for a complete six-month credit repair program. This is much lower than most credit repair companies.
No Hidden Fees
The Credit People are very transparent. Their pricing details are all on their website. Potential clients can try out their service for 7 days for only $19 and continue for $59 a month. There are no hidden fees or extra costs.
The Credit People offer a 60-day 100% satisfaction guarantee. The firm claims “you’ll never pay for anything you aren’t happy with.”
Clients have 24 hour online account access, which is a great resource for members. In addition, there is a blog and educational material for potential and current clients to learn more about credit repair services.
There are things those interested in The Credit People should be aware of. While The Credit People handles 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 first 7 days of service cost $19 to get case setup.
Limited Package Options
No premium packages offered, just different payment structures.
There is no “pay-per-deletion” pricing option.
Frequently Asked Questions
How much does The Credit People Services Cost?
The Credit People offer a monthly and Flat Rate membership:
- Monthly Membership – $59.00/month – This contains all of the necessary credit repair services including unlimited disputes, inquiry validation, debt validation, free credit reports, and more.
- Flat-rate Membership – $299 for 6 months – This plan contains all of the necessary services to successfully repair your credit. The plan was created for people who do not want a monthly fee, but a six month flat rate plan.
Does The Credit People allow me to enroll more than one person or my whole family?
Yes, The Credit People do allow you to enroll more than one person. However, they will need to create their own account. If they are signed up within the first three days following your order, then you will receive a $20 off your first monthly payment. The discount is only applicable to the first payment. There are no discounts available for the flat-fee membership.
How does The Credit People repair my credit?
The Credit People will contact the three main credit bureaus in order to make sure that all the information on your credit report is accurate. The Credit People team that is assigned to your case will review your credit report and report all inaccuracies in the dispute process.
Does The Credit People provide Credit Monitoring?
The Credit People offers basic credit monitoring to its customers. They make sure to pull your credit report, help you keep track of your credit scores, and receive regularly scheduled credit reports.
How long will it take before I start to see results with The Credit People?
The Credit People state that customers will begin seeing initial results within the first 45-60 days. The average length to have a full credit repair results is approximately between six to seven months. However, the time varies with each customer due to the varying total number of negative items that need to be removed.
What results can I expect from The Credit People?*
The Credit People has only published a few statistical results on its website. They state that customers are able to begin seeing results within the first 45 to 60 days. They do not state the customers average results. They only state that they have helped customers credit score go up as little as 20 points to qualify for a home loan or 200+ points for customers who had really bad credit.
*Please note that individual results will vary. No company can legally guarantee any result to a client’s credit score. Customers should understand that they may not receive the same results
How can I contact The Credit People?
You are able to contact The Credit People by:
Phone: or by visiting their site.
The Credit People have not published very many statistical results on its website. Here are the results available to customers:
- Customers will begin to see results within 45-60 days.
- They have helped customers increase their credit scores 20 points to be able to qualify for a home loan or 200+ for customers with really bad credit.
The Credit People only has one $59/month package. This includes:
- All necessary credit repair resources, including attorneys and complete credit bureau reporting
- A personal online dashboard
- Score tracker and analysis
- Mobile apps
- Text and Email alerts
- TransUnion Credit Monitoring
How It Works
Step #1: Sign Up Process
When you sign up, your credit reports will automatically be pulled for review. You will receive a welcome email and a phone call from The Credit People. Then you will be given a special secure online account to keep track of the progress on your credit. The Credit People’s representatives will begin to create a custom credit repair case.
Step #2: Dispute
Now the real work begins. The experts at The Credit People will interact directly with the credit bureaus to have those items that are inaccurate and negative removed from your credit reports. They will then stay in contact with the credit bureaus to ensure the appropriate action has been taken.
Step #3: Results
All you have to do at this point is sit back and watch the progress. The Credit People’s experts will continue to repeat the dispute process until all as many negative items can be removed from your credit report. They say most customers will begin to see improvements within the first 60 days. As they continue to work, you will have access to an online account that will keep you updated with all results.
What to Expect When Signing Up
What to expect when signing up online?
Before you go to signup here is a few things to expect before you visit The Credit People’s website.
- You will be brought to their webpage with a two different options to getting started.
- By clicking “Get Started, SIGN UP” you will go through a simple 3-step process.
- First, you’ll be asked for contact information including: first and last name, email, phone, address and zip code.
- Before moving to the next step you will need to click what payment method you will be using.
- Next you will proceed to enter in your payment info to process the $59.00 fee for monthly plan or $299 for the 6 month flat-rate plan, as well as a $19.00 first time fee.
- The last step is to comply and sign regarding The Credit People’s legal agreements.
After that be ready to receive an email and a call from a representative. Then you will be on your way to repairing your credit. Make sure to come back and leave a review of your experience.
What Can Be Removed?
The Credit People are able to remove any false or incorrect information on a customer’s credit report. These negative items include (but are not limited to):
- Late Payments
- Charge Offs
- Closed Accounts
- Negative Statements
However, an important point to remember is that The Credit People can only remove information that is inaccurate, unverifiable, misleading, untimely, and unclear. The Credit People cannot remove negative items that are 100% accurate and free from error.