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6.8
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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. Benefits include a free credit report and a free credit score summary, a free credit consultation, and lower fees. Additionally, most Credit People clients see results within 45 to 60 days.
The Credit People offer three membership plan options - two monthly membership options 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 this credit repair company or jump down to read The Credit People reviews from real clients.
Potential Credit People clients have three plans to choose from:
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 $99 or $119 — a six-month $599 flat rate is also available. 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 money-back 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. If you have a monthly billing plan and you aren’t satisfied with your service, you won’t have to pay for the month you cancel and the company will refund you for the last month’s service.
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.).
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 three different payment structures ($99 or $119 per month; $599 six month flat rate).
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.
The Credit People have very affordable prices for their credit repair services and offer a generous money-back satisfaction guarantee. Additionally, the company provides a credit repair service discount that couples can use to save money on each monthly payment.
The credit repair service offers two different credit repair membership options that clients can choose from - the monthly membership option and the flat rate membership option. Each membership comes with 24/7 account access, creditor communication, score-driven results, unlimited disputes, and more.
The Credit People also provide all website visitors with access to an online credit resource center, a detailed online FAQ page, and more. Clients can use these resources to learn more about the credit repair process, credit scores, credit reports, and much more. Additionally, the company offers a wide range of different online resource mediums including infographics, videos, and articles.
With a significant amount of positive client reviews combined with the company's emphasis on each client's credit history as well as good credit habits, a free credit consultation, and no hidden fees, The Credit People prove that they are a reputable credit repair company and that they offer quality credit repair services.
Some consumers, however, have claimed in the past that they have experienced slow negative item removal times, but they are few. It's important to keep in mind that credit accounts and situations vary per client, so some clients may see results sooner than others.
On The Credit People's website, the company states that most customers who use its services "see results within the first 45-60 days".
We recommend The Credit People for their advanced experience and for their reputable credit repair services. If you choose The Credit People to improve your credit, you will not have to worry about communicating with creditors as that will be handled by your assigned credit specialist.
Call our recommended rep over at The Credit People below.
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