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.
I have been using The Credit People for about 6 months. So far they have repaired or deleted 7 of 15 negatives from my Equifax report. The success has not been as great for my TransUnion or Experian reports but repairs happen at different times for different reports. I'm very confident that the next 6 months will put me right where I need to be!