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The Credit People

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6.8

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Michelle Crane Phoenix, AZ

What I like best about this company is their free resources. They offer a free guide with tips and tricks to obtaining good credit. This way you can see if there is anything you can improve on your own before paying for a companies assistance. I also like that they are backed by a satisfaction guarantee for their services.

2 years ago

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Samarra Miller Mulberry, FL

I did research on this company before moving to Orlando and decided to try them out. They are professional and down to earth at the same time. Knowledgeable also explained different options to me that I didn't know I needed and can do.

2 years ago

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Ray Adamson Gainesville, GA

They were a huge help for me. The price was reasonable and the results came quickly.

4 years ago

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Jeff Kintnersville, PA

Because they helped get my score almost back to where it was before AT&T extorted me.

4 years ago

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Mark Thomas Silverdale, WA

Very thorough and effective. Very knowledgeable on navigating credit report issues.

4 years ago

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Michael

Great Response time credit improvements easy access and live customer service reply

4 years ago

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Delores hawkins

The credit people really are great at what they do they removed some negative things off my credit

4 years ago

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Ernie G

Good people, we'll worth the money, took my credit score from the 650's, to 720's

5 years ago

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Debbie Berry. Huntington Beach, CA

They dad an amazing job raising our credit scores. They are very accessible and competent

6 years ago

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Kevin Moore, SC

They exceeded my expectations removing everything negative from my credit reports.

6 years ago

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Rose Smithtown, NY

Great service, were a big help in understanding what was wrong wit my credit reports

6 years ago

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No name Stone Mountain, GA

Great service. Only thing they dont call you much. You just get a notification in your email

6 years ago

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Kenny Knox Wichita Falls, TX

Did a fantastic job in a short period of time. Got all of my negative postings reversed!

6 years ago

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Ivette Allentown, PA

Great help and I had to do little . They helped me get my score up 100 points in 6 months.

6 years ago

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Jessica Hensley Timberville, VA

My credit has improved. It would be nice to have more information so I can understand the dispute process better.

7 years ago

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Sharon Granite Bay, CA

because they are always friendly and very helpful in answering any questions I have.

7 years ago

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Milt Pottstown, PA

Because they really helped my credit score and fought for me every step of the way...!

7 years ago

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Grey Irving, TX

Good people. They walk you through it and if I had any questions they would pick up phone

7 years ago

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Gil Joliet, IL

Easy to deal with. Sent various emails about random inquiries and always responded within the hour.

7 years ago

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Willll Lehigh Acres, FL

It was simple, thrustfull and I was able to buy my house and a piece of mine.. thanks

7 years ago

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D. Phillips Elizabeth, NJ

Everything your company stated it would do, it did! I have no complaints with the service provided.

7 years ago

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Michael Fernandes

Not sure why I carry any faith in this company still.... 4months in and no changes... The scores they sent me are inflated more than 100 points (just to make you feel better) Then you go to purchase a house or a car and find out what your REAL score is. Then they feed you some BS about "different scoring models used" Why don't they use one ACCURATE and RELEVANT to the world we live in. REAL LIFE REQUIRES REAL SCORES.

2 years ago

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Reply from The Credit People

Hi Michael, We appreciate your feedback but it sounds like there is a misunderstanding. There are different credit scoring models that lenders commonly chose from. This is not something we created or have control over. This is a fact of the credit system and how it currently stands (such as the Vantage Scoring Model, The Beacon Model, Fair Isaac, Fico, etc). If you apply for credit with a car dealership, they may not choose to use the same scoring model as a mortgage lender. In order to see the exact same scores a lender would see, you'd have to have a lender pull them (which is a hard inquiry each time they do that and does temporarily lower your scores). For that same reason, we don't pull your scores (since we know your goal of credit repair is to increase your scores and additional inquiries wouldn't help you to accomplish that). So we provide our customers with credit monitoring scores using the Vantage 3.0 scoring model. This is a real scoring model and is commonly used. We can understand your frustration in not being able to see the same scores a lender would see through credit monitoring services since that's a frustration for most consumers, but that is not something we or any credit repair company have control over.

We are doing everything we can on your account to fight the creditors and bureaus to get any positive results possible.

Thank you!

-The Credit People-

Dec. 14th, 2021

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Tonya B Atlanta, GA

Do not waste your money with this service. Please trust this review. When you first connect with an agent they will tell you that they can fix anything. I was with them for almost a year and nothing. They will send you the same emails for months stating "we send disputes to all three credit agencies," which is an automated message that goes out every month, but they are not doing anything behind it all but collecting your money each month. I sent a message stating to them I received a letter that one creditor had dismissed a case (my doing) against me and wanted to know my next steps for removing it from my credit report. I never got a response because they stated they never received the message, but a month later I received the same email " disputes sent to all three credit agencies" and "challenging." Customer service is horrible and also management (Veronica) was horrible. DO NOT WASTE YOUR MONEY WITH THIS COMPANY. They cannot improve your credit score. The manager stated to me if you wanted better results you should have seen a lawyer and we have been working on your credit for a long period of time and maybe you should take a 4-6 months break with the credit bureaus and then continue again and that should help you. BAD COMPANY!!!!! THEY CANNOT REPAIR YOUR CREDIT!!!!! DONT WASTE YOUR MONEY!!!!!!!!!

3 years ago

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Reply from The Credit People

Hi Tonya......Thank you for letting us know your concerns since we do value our customers and always strive to do anything we can for them. You stated in your review that our emails are "automated" each month, but they are actually manually sent each time disputes are sent out (by an actual credit Representative). Disputes have to be drafted based on your credit reports and sent out to the bureaus prior to an email confirmation being sent to our customers. The conversation you had this morning with both Representatives was reviewed and you specifically asked what your options were moving forward so it was discussed you can seek an attorney and try to go that route (not that you had to or that was the only way but again, you asked what your options were and that's an option), or you can continue to dispute your negative accounts and sometimes being persistent and aggressive can pay off to wear them down and get results (but there's no way to know how long they'd fight back or when they would stop responding to disputes), or you could wait the statute of limitations of 7 years. The issue with your credit that we discussed is that the creditors have been "Verifying" your accounts as legally accurate with the bureaus and the bureaus have been accepting those responses. We can understand that's frustrating, and the credit system overall is not fair to consumers, but that doesn't mean we didn't do everything we could to fight the bureaus and creditors. The other issue we discussed is your credit utilization is over the maximum amount allowed and that's a major contributing factor to your scores being lower. We know it's a tough time financially for many people for various reasons, but when it comes to credit your credit utilization does play a significant factor in your credit scores. Upon your request to cancel your account you did not ask for a refund but as a courtesy, we issued you a one-month refund to show you we do care, we do everything we can to work with our customers, and your concerns were heard. We were sorry to see you go, but wish you all the best in all you do moving forward.

-The Credit People-

Aug. 9th, 2021

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Dissatisfied Customer Decatur, GA

I worked with these people for several months, I could not get anything removed from my report. To get my credit scores higher, I took out a couple of credit cards and kept them at zero balances, during this period. Plus, my older credit card war already being kept at zero balance. Doing this, I saw my credit scores increase from the mid 600's to 703. When I saw that these people weren't doing anything to remove the negative items on my report, I decided to cancel my membership. When I did that, my credit scores dropped from 703 to all the way down to the lower 600's, was lower than what it was when I started with them!!! I am extremely angry, as I worked so hard to get my credit scores increased to the 700 mark. Please don't waist your money with these credit repair companies. They are all rip offs, if they require you to pay them to do something I was able to accomplish on my own by just opening up a few credit cards and keeping them at zero balances. You people suck something awful!!!!

3 years ago

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Reply from The Credit People

Thank you for your feedback, and we do appreciate you letting us know your concerns. Unfortunately, without any name provided for this review, there is only so much we can do to be helpful. There is nothing we would be doing in this process that would lower your scores, if anything they would stay the same or improve. However, there is many other factors that contribute to your scores that are not within our control such as credit usage (if you use more than 50% of the available credit limit on any of your credit cards) or on-time payments (if you miss a payment with a creditor while having our service that could be a new negative mark on your reports) or if you apply for credit and open a new account, or close an account, etc. All of those are factored into your credit scores, and just simply canceling our service doesn't make your scores drop (that solely means we would stop submitting disputes for you moving forward, but has no bearing on anything new that may be added to your reports that may have lowered your scores). It's also important to make sure you review your scores through a reliable source such as the bureaus directly (websites such as Credit Karma and Credit Sesame can be very misleading with their scoring and are not the same scores a lender will pull for you if you apply for credit. If you would be willing to provide your name, we would be willing to look into your account further at no additional charge to see what may have changed, and what lowered your scores. If not, than we certainly wish you all the best in all you do moving forward, and hope things only continue to improve for you.

Thank you!

-The Credit People -

Feb. 8th, 2021

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Mandy Satterwhite Atlanta, GA

This company isn’t what people are saying it is. I was with this company for 4 months never seen a change nothing ever happened. I was with another company a couple of years back and I seen a change definitely within the first month. I used a lady that I knew while in the military and I seen a change with her within the first 2 months. No way you are telling me that within four months that nothing’s going to change. I closed my account after the first 3 months. What happens is they go online copy and past the disputes on there and send them to the credit bureaus. You can do the same thing, I learned this from my realtor:) she’s amazing. It work!!!

3 years ago

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Reply from The Credit People

Hi Mandy! Thank you for your feedback, and we hope you're doing well. I think there is a misunderstanding so I would be happy to clarify. You mentioned that you never saw a change in your credit and nothing happened while you had our service. However, we did confirm 5 negative accounts were removed from your reports based on our disputes, and we did post that information to your online dashboard so you could review it. So it's good news there was progress and positive results based on the disputes we were submitting for you. You also mentioned you were with us for 4 months but it was only three months. Lastly, you stated that we go online and copy and paste information for disputes but we actually do the exact opposite and that is not part of our process at all. We draft custom dispute letters and mail them to each of the bureaus since that provides much better results than generic online disputes. We do care about our customers, and we have the same goal our customers do of trying to get the best results possible and help to clear up their reports and increase their scores. Please contact us if you'd like to review your results and we would be happy to go through them with you.

Thank you, stay safe, and Happy New Year!

- The Credit People -

Jan. 5th, 2021

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Kathy Urbano

I have tried to review them before and they lie and say they don't know who I am! I Hired them last year because after looking at my reports they claimed they could help. within four months I had my score increase by 18 points because of ME, not Credit People! I managed through writing the original creditor to get a collection removed. They had the nerve to email me and say your score has gone up! I pointed out that it went up because of MY EFFORTS, not theirs! Their response was unbelievable as they had the nerve to tell me that we are a partnership in this! That 'together" we will raise my score!! Lol...Nope I fired them & they only refunded me 1 month. In addition before I fired them my scores began to get worse even though I was paying down my credit cards and wasn't behind on anything. They never had an explanation just the perpetual it takes time. This was 5 months after I hired them. So NO I would not recommend this company.

4 years ago

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Reply from The Credit People

Hi Kathy,

We really appreciate you letting us know your concerns. Based on what you have described, we can see how it would frustrate you. First we wanted to say, we are truly sorry for any confusion. We have spoken with you many times when you had service with us, and we would never want you to feel we weren’t doing our best for you. You also mentioned that you have tried to review us before but you were informed we didn’t know who you are. The review you left on this site is a separate site than our company, so it sounds like you may have spoken to a rep that does not work with The Credit People.

There are a few things we can definitely help clarify. In addition to the collection account you mentioned you removed on your own, we were able to remove 10 negative accounts from your reports (which is good news). Your scores should go up based on the collection account you removed as well as the other negative accounts we removed which included some charge off accounts.

Consumers can always work on their credit at any time such as paying down the balances on any existing credit, making on-time payments, etc. The confusion comes in when you are working on your credit at the same time we are, and there is no way to determine who got which accounts removed. We typically don’t recommend our clients work on their credit at the same time we are so they can truly see what positive results we are getting for them.

You mentioned before you stopped our service your scores decreased. We are so sorry to hear that, and we could have definitely reviewed where you were seeing your scores decrease to get to the bottom of what changed with your credit. Unfortunately, since this was a year ago, there is now way to determine now what changed previously. There is nothing we do in this process that would lower your scores, so it sounds like there was another factor impacting your scores at that time.

We are so sorry you weren’t pleased with our service and as a courtesy, you did receive a refund for your last month of service. This means that you were with us for five months, and only paid for four. This was done to show you that in addition to the results we were able to get for you, we would also refund that last month.

If you have any questions please feel free to contact us directly. Our number is 866-382-3410x4 or email support again at any time. Thank you again.

Best Regards,

-The Credit People -

Nov. 22nd, 2019

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Keoin Brown

They started off well, I was getting phone calls and letters sent home. After about 3 months, My credit score didn't move. I couldn't get any phone calls back and I had no clue if my credit was being repaired or not. I stopped paying and they didn't contact me until two months later as if they had just noticed. Which further more made me think no one was working on my case.

7 years ago

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blake

I recently used The Credit People and I'm very upset that I used them. They guarantee results within 45-60 days, and after three months of no changes on my credit report I cancelled with The Credit People. They disputed three of the six companies on my credit report, but nothing changed and The Credit People stopped contacting me. They did refund me the $59 that they were taking out for this month, but not for the other two months of $59 each. That was $118.00 wasted. I might go back to Lexington Law, even though they cost more they removed three disputes from my credit report within a month. I definitely do not recommend The Credit People, I don't know how they got decent ratings in the first place.

7 years ago

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JARED BUSBY Houston, TX

I am currently the victim of identity theft,and being in a position to find a place of my own my credit score could play an important role as-too whether or not I can celebrate my recovery in a place of my own! 18-months TOMORROW! PRAISE the LORD OH MY SOUL!

8 years ago

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Patti Buckels

Patti I have been with "The Credit People" since last July almost a year. I have only had one item removed from all 3 credit bureau's and that item was easy. I had been late once with this credit card and they were able to get that off. My other items I have several more I have 2 settlements but have paid off and they can't get those taken off. They have not helped me to my satisfaction.

8 years ago

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Marilyn Aurora, IL

I started a few months ago and they have already gotten stuff removed from my reports. I am very happy with the service so far and would recommend it.

8 years ago

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Halley S Elk Grove Village, IL

I was with the credit people for 5 months and had a great experience. the service was professional and they did a really great job, they were awesome.

8 years ago

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Jason E Chicago, IL

My wife and I signed up a couple months ago because we want to buy a house in the spring. Its already looking like we'll be doing just that! I'm excited

8 years ago

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Jim Perry Tempe, AZ

Been with them 4 months now, and they've done a good job. My only wish is that it was cheaper than the 59 per month...but it's worth it. they're probably the fairest priced company out there too

9 years ago

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Tony Tempe, AZ

good company ..glad to give them a good review, they did a great job. its my 3rd attempt at credit repair.. I guess third times a charm witht eh right company

9 years ago

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Reilly Elk Grove Village, IL

3 months in and going strong! It was a great choice...I tried this on my own and it was soooo time consuming. Well worth the money and I think they're doing a great job.

9 years ago

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C.K. Tempe, AZ

They're great! I used another company before and wasted my money so I went into this not expecting much, but they exceeded my expectations! I've sent them a few people too!

9 years ago

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Sam Burton Ontario, CA

I have to say that I am pleasantly surprised. Reasonable prices and they get the job done. I started with them 5 months ago and I can say it was definitely worth it.

10 years ago

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Bradley

All I can say is they know their stuff and spent time talking with me. I strongly recommend them. They made me feel comfortable and confident! thank you so much.

10 years ago

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Kat Janiak Chicago, IL

Great company. Happy to recommend them. They've always been helpful and the customer service has been awesome and they did a great job fixing my credit. -Kat

10 years ago

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David Williamsburg, VA

I have had this company for the past 6 months and only 4 items were fixed out of 10. When you call the customer care number, you are on hold and asked to leave your number for someone to call you back. I would steer clear of this company as they think you are "Special" and you are "Lucky Enough" to be one of their clients... But the truth is they are never available via their 800 number and frankly the results speak volumes, especially since I was assured they had experts working on my behalf... You simply cannot get a hold of this company. If you are LUCKY enough to get a hold of someone, it may be a better experience for you.

11 years ago

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Bethany Fernley, NV

They removed 13 items from my credit within a 1 year time frame

4 years ago

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Robert Taylor Gary, IN

They got down to business with my credit accounts and helped my score go up

4 years ago

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Kimberly mcsharry

They quickly and effectively removed every bad mark on my credit

4 years ago

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Florence Jean-Baptiste

Solved all my credit issues and was able to get my credit score up !

5 years ago

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Frank Schwarz

They did what they said exactly. They helped me clean up my credit reports.

5 years ago

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Andre Messner Papillion, NE

Easy to work with and they did a better job then I thought they would.

6 years ago

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Billy Virginia Beach, VA

My credit was improved so much from where it was unbelievable good turn around!

6 years ago

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Chris Lebo, KS

Did a great job. They know that they are doing. Very helpful.

6 years ago

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Sari

It was hard to get a hold of someone to help me. I did it myself and got better results. It was a waste of time and money for me.

6 years ago

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Reply from The Credit People

Hi Sarina, We are so sorry to hear you were not pleased with our service. We would never want any of our customers to feel it was a waste of time or money. I did review your account to see if I could assist you further, and I see that you were only with us for 2.5 months (you signed up on 12/8/17 and cancelled on 2/26/18). During that 2.5 month period, we were able to confirm that 15 of your negative accounts were removed from your reports based on our service (which was a 65.22% improvement). That's actually fantastic results in a short period of time. By having those negative accounts removed from your reports, it increases your chances of getting approved for credit in the future, and it also increases your credit scores. In the short time you were with us, we did review your account with you over the phone twice, and also sent you 10 email updates during those two months. Credit repair is not typically a fast process and most clients take approximately 6-7 months to complete their credit repair. However, Congratulations on having more cleared up reports and higher scores! We wish you all the best in all you do moving forward. - The Credit People

Sep. 10th, 2018