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.
In addition to working with the three 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 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.
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 much lower than what most other credit repair companies charge.
For these prices, The Credit People will dispute negative 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.
Clients can obtain unlimited disputes, debt validation, and inquiry validation services when they sign up for The Credit People's credit repair services.
The Credit People also offer a free credit consultation to all clients. The repair company also provides an online dashboard where clients can obtain immediate credit updates and a free service trial.
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 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 repair services 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 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:
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.
good communication, excellent customer service, good results
They did a great job and dealt with a lot of stuff.
effective in increasing my credit score and eliminating bad information in my credit reports
The best company ever. Your prices went up already that's not good
We made progress and improvement. My score was increased.
I really appreciate the fast and precise service.
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.
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.
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.
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.
Sometimes, I don't think their customer service replies to you quickly enough. I'm glad I signed up with them, but I think they could do more than they are to help me.
The Credit People really helped my credit score. They did what they are supposed to, and I'm glad I chose them to help me out.
I made a good decision going with this company, because I've had nothing but positive experiences. I wish they could repair credit sooner than they do, but I trust them. I don't have any complaints with customer service, because any time I called in to them they have answers for me.
Their customer support is not easy to contact, but they are friendly and informative. They're a little slow in repairing credit, but that's not a problem.
They seem to have fixed my credit score. I think I made a good decision to go with The Credit People. It didn't feel very personalized.
Every time I've needed someone in customer support, they've been there for me. I haven't had any problems with them. They did everything they said they would do. They repaired my credit, and I'm grateful for that.
This company is prompt and detailed in their work. Their services were very satisfactory. They work for you and get things done.
They are very clear in telling you what part you need to do in order to improve your credit. They are very professional, and they disputed some of the credit I had. They disputed for me, and fought for me. They have a pleasant call center, and anytime I've talked to someone there, they're very knowledgeable. I've never had a bad experience with them.
I used them for 6 months and they didn't do anything. They weren't able to remove anything for me.
Reply from The Credit People
Jul 23, 2018
Hi Ha. We are so sorry to hear you were not pleased with our service. We do care about our customers, and always do everything we can to get you the best results possible. I reviewed your account, and I do see we submitted several rounds of disputes for you throughout your service with us. Every customer walks away happy with The Credit People. We issued a full refund so your service with us was completely free. This is the satisfaction guarantee with The Credit People.
Effective results; they made a positive impact on my credit. The only area of concern was communication; one needs to proactively reach out to them to discuss progress & value of service continuation, although their website communicates valuable information.
They got alot of marks off my credit I didn't know didn't belong there.
Communication could be better with the customer
Great service, were a big help in understanding what was wrong wit my credit reports
Well, I was skeptical from onset since my wife had a terrible experience from a competitor. But with patience as they preached, and diligence as they practiced with regular communication, The CP team addressed my issues and concerns to my satisfaction particularly from one awesome analyst Lisa A., whom I am most grateful to, for her time and patience to address and resolve my concerns, issues and questions.
The credit people helped me raise my credit score higher than it's ever been!
Great price for the service offered. Quick and painless.
Disputed everything on my credit history that I couldn't do personally
They got the job done which is why I rate them highly. The reason they didn't get a full 5 stars is that it's difficult to call them over the phone and find someone to speak with. They prefer electronic communication which is fine as well. They did manage to help increase my credit score dramatically which is the most important and frankly the only consideration I care about.
They could let you know about the removal of inquiries
They where every helpful when it came to asking and answering questions
Great service. Only thing they dont call you much. You just get a notification in your email
Did a fantastic job in a short period of time. Got all of my negative postings reversed!
Very easy and friendly onboarding process with great technology e
They really made it easy for me! No hassle, just hustle and I appreciated that!
Great help and I had to do little . They helped me get my score up 100 points in 6 months.
They disputed fraudulent collections that were droping my credit score. Within two months they wete gone. I have nothing bad to say about this company, at the moment.
The Credit People have changed my life! My credit was in shambles from a divorce and now it's better than ever. All I had to do was send them documents I received in the mail. Best decision I ever made. Thank you Credit People!
They delivered on everything they promised.
I've used them a couple different times, and had great success
I wanted to improve my credit after some mistakes I did in the past. I'm very happy with the results they gave me, I can't complain. It has certainly changed my life and I think it's one of the best decisions I've ever made.
I needed their services. They are very good, attentive, professional, and thorough in their job. There was a lot of attention to detail. I feel great about it, it was a very effective service.
I needed help in with my credit score and it was a great experience.
I needed help with some collections that just weren't right and some old stuff that needed to be cleared up. I feel like it was a great decision. I was approved for a house 3 months after having them help me. Though since then, they've been cutting out every time I've called them after finishing my service.
They do exactly what they say they are going to do. They get back to you quickly and everything. It only took 3 or 4 months for them to get off 78% of what I needed to get rid of. I feel good about it all.
Since they seemed like a decent company that could help me, I decided to go with them. Their communication was great, they always keep you posted on what's going on. The few issues that I had, they fixed them.
I had bad credit, that's why I signed up with them. It was all outstanding. Every time I needed to inquire about something, they were quick to respond. Thanks to them, in the last six months my credit score went from 612 to 731.
I wanted to improve my credit and I think going with them was a good decision. They have a very good system going on. They have been pretty responsive to every question that I've had. I like that they're professional too. They've done what I wanted them to do. I love that they're very honest you know. They're an online company and you just trust them with your permits and what not. When you're ready to get out, they just say 'yeah, no problem' and give you no problems about it. I didn't have to fight them for anything.