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.
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.
I needed to improve my credit score by removing some negative marks on it. They were helpful and responsive, and they did improve my credit, but they didn't do it as fast or helped as much as I hoped they would.
I went with them since they were rated well. So far everything has been taken care of. They do what they say they will do and so far they've done a good job. It's easy to figure out what they're doing too. Every time I call them there's always somebody there to answer my questions in a proper manner and everything.
I was trying to repair my credit and I decided to give them a try. They were pretty quick to call me and give me the details of the process. I was given all the chargers and told how things would as far as repairing my credit went. There were no surprised in the process, I everything was discussed ahead of time and things were done accordingly. Within 3 or 4 months of me signing up with them, everything was taken care of in terms charges and old accounts that were just lingering in there. In fact, they stopped charging us after that since everything had been taken care of. They just said, you know, that if we ever need them again we should check back. They were just very honest and understanding of everything. They improved the quality of my life in terms of work and anger related to my credit.
I looked online at different prices and ended up settling for The Credit People. They're doing a good job, they're fixing my credit. Customer support always checks up on me about how things are going. So far they have done what they're supposed to do. It has been great.
We wanted to do something with our house, so we needed to improve our credit before doing that. All I had to do is get my reports to them and they took care of everything in a few months. They did an incredible job raising our credit score. They were always available and got back to us as soon as they could. They were very prompt in responding. I really like it, though the prices have gone up since we used it. At that time it was $20 cheaper and we just did my husband's credit score since they didn't really offer a deal to do both of our scores. Right now my son in law is doing it too and it has been rather expensive for him. I've actually been helping him pay for it and it's not going as quick for him as it did for us. Still, I thought it was a pretty valuable tool when we used it.
My husband had done this before me, so I just went with the same people. They're a very excellent service, they're very effective. Now everything is fine with my credit and I don't have problems with it.
I found them through a referral. They have done everything they could for me. They are always available and helpful.
They got some pretty good reviews, so I went to them. Customer support was good, though they were a little slow at getting back to me with some things. Sometimes, instead of them following up with me, I had to call them to follow up and figure out what was going on. I wish they would work on that. Overall, it was still a good experience. I mean, it wasn't great, but it was good.
I use the credit people to bump my score. With my new score I will get a mortgage and buy my first rental house. I like the service.
I used credit people for credit restoration services. I was happy although I do use Mint Credit for ongoing monitoring. I would recommend they add credit card suggestions in the future. 4.9/5
Very professional service and awesome results.
I liked working with credit people. The customer service ladies are really sweet and everything was pretty easy. If you call in and you get Cindy on the phone you will be well taken care of. All around great folks.
Price was good and they did exactly what they said that they would do for me.
Was able to get approved for home loan through using the credit people. I used for about 5 months.
Because they went beyond and above to get my credit back on the right track
They helped me clean up the messes in my credit, so I could pursue my goals.
Knowledgeable, prompt Great staff , Explain all the steps needed and began working on my credit immediately .
They fixed my credit. It was an easy process. Good results!
They went above and beyond the call of service. In the beginning I did not understand the process and had really expressed my unsatfaction with the service. Immediately they refunded a couple months of service fees assigned me to a personal credit counselor and ended up removing over 20 negative items.
After 3 months 50% disputes removed
Im new to the credit people but so far so good. My score has gone up in the 2 months I have been services by them. I picked them because they are cheaper than the others.
I signed up to the credit people maybe 3 months ago. Overall experience is solid and my score went up. Nothing mind blowing. - Jon
My credit has improved. It would be nice to have more information so I can understand the dispute process better.
Annoyed in Orlando
Absolutely nothing was fixed on my report.
Very responsive, with excellent customer service.
They helped my credit. They did what they said they would.
They did a great job removing negative credit line items
because they are always friendly and very helpful in answering any questions I have.
could not delet all my debet and dose not delet hard checks
Excellent service all the way around. Product is as advertised and customer service is easy to reach.
They did an amazing job in a short amount of time. Their prices were low and they are very good at responding to questions in a timely manner.
Because they really helped my credit score and fought for me every step of the way...!
Just an awesome experience! Excellent customer service and support
They're good. Very responsive to your questions website user friendly
They are really thorough and on top of things!
Good people. They walk you through it and if I had any questions they would pick up phone
In general, they are effective. However, when I returned for a follow-up help, I was not happy with the results. They were more effective the first time around.
They really help to remove things on my credit that were wrong and things that were hard for me to clear off my credit that really affected my score and ability to apply for certain things I needed to accomplish.