The Credit People was founded in 2001 and strives 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 score
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, a free credit consultation, and lower fees. According to the company's website, most clients "see results within the first 45-60 days" of service.
The Credit People offer two membership plan options - a monthly membership and a flat rate membership. Each membership includes unlimited disputes, 24/7 account access, creditor communication, toll-free customer service, and more. Potential clients should note that the credit repair company also offers a service discount specifically for couples.
Read on to learn more about The Credit People's credit repair services and to see reviews from real clients.
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.
Clients will typically have a team of about three people who will work on their credit. The company will, however, provide one-on-one support per clients' requests.
The Credit People have many great features that go along with its repair services, such as:
Potential clients can choose to either pay a monthly payment of $79 for credit repair services or a flat rate of $419 for a complete six-month premium credit repair program. This is lower than what many other credit repair companies charge.
For these prices, The Credit People will work to dispute certain inaccurate or invalid negative items on clients' credit reports, will keep each client updated on the credit repair process, will help clients become motivated to better maintain their credit history, and much more.
Clients can obtain unlimited disputes, debt validation, and inquiry validation services when they sign up for The Credit People's credit repair services.
Like the majority of other companies in the credit repair industry, The Credit People also offer a free credit consultation to all clients. The company also provides an online dashboard where clients can obtain immediate credit updates.
In addition to lower fees and a free credit consultation, The Credit People provide a credit repair service discount for couples who both could benefit from having better credit.
To get this discount, one person in the couple needs to sign up for credit repair services and then can sign up for their spouse immediately after their order is completed or up to three days following the completion of their order. Once both people in the couple are signed up, they'll receive $20 off of each of their first credit repair payments.
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 appear to be no hidden fees or any extra costs associated with the company's credit repair service.
The Credit People offer a 60-day, 100 percent satisfaction guarantee. The firm claims that clients will never pay for anything they are not happy with. Clients have the ability to cancel their monthly repair services membership with The Credit People whenever they please.
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 repair 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:
In addition to a monthly fee, The Credit People charges clients a $19 setup fee.
While this initial fee is fairly low, some other companies in the credit repair industry do not charge customers a setup fee for their services. Although The Credit People's monthly/six-month costs are low, it seems that the company does not provide a free trial period to clients like many of its competitors.
The company does not provide any premium packages or additional services that clients can choose from. Instead, The Credit People just offers one credit repair program with the option of two different payment structures ($79 per month or $419 for six months).
The company's lack of credit repair package and service options may add limitations to potential customers. For instance, many other companies in the industry may offer plan options that include additional services, customizable plans, etc.
Unlike some 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 plan and a six-month payment plan. However, they do implement a satisfaction guarantee for all clients which allows for some pricing flexibility.
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