Our Verdict
If you are looking for a credit repair company that can help you fix your credit report and boost your credit score, you need to consider The Credit People. It has been in the business for over 15 years and has helped thousands of customers achieve their credit goals. You can get a free consultation, a free trial, and a satisfaction guarantee, so you have nothing to lose by giving it a try.
With The Credit People, be aware that you only have two plans to choose from: a monthly option for $79 per month, and a flat-rate option for $419 for six months of service. Both plans include unlimited disputes, free credit reports and scores, and discounts for couples. The monthly option gives you more flexibility, while the flat-rate option gives you more savings. You can cancel at any time, as there are no long-term contracts.
Keep in mind that The Credit People claims to have an average score improvement of 53 to 187 points and an average removal of 7.6 items per customer. It also boasts of positive reviews from many satisfied customers who praise its professionalism, communication, and results.
However, know that this credit company also has some drawbacks that you must be aware of. You cannot access credit monitoring or financial tools, which can help you track your progress and prevent identity theft. It also has limited customer support options, which can make it hard to reach it if you have any questions or issues.
Note that The Credit People is not a scam, but it is not a miracle either. You can dispute inaccurate or negative items on your credit report, but you cannot erase legitimate debts or guarantee a specific outcome. Note that it also cannot help you if you do not have any credit history or if you continue to make late payments or incur new debts. You still need to be responsible for your credit and financial habits and follow the company’s advice and guidance.
Pros
- Offers free seven-day service.
- Pay a low setup fee of $19 and get discounts for couples.
- Cancel your plan at any time without penalty and get a satisfaction guarantee.
- Get free credit reports and scores from the three main credit bureaus.
- Enjoy unlimited disputes and comprehensive support from their team.
Cons
- Spend $419 for a flat-rate plan that doesn’t offer any extra benefits.
- Access limited customer support options by phone or email only.
- Miss out on credit monitoring and financial tools that can help you prevent identity theft and track your progress.
- Encounter slow or ineffective service, poor communication, and billing issues, according to some negative reviews.
- Expect no optional add-ons or extra services that could enhance your credit repair experience.
Who The Credit People Credit Repair Is Best for?
Consider The Credit People Credit Repair if you are an individual who:
- Wants a simple and affordable credit repair service
- Needs assistance reviewing and disputing errors in his/her credit reports
- Prefers a free trial and a satisfaction guarantee
- Does not mind limited customer support options
- Does not need credit monitoring or financial tools
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Who The Credit People Credit Repair Isn’t Right For?
The Credit People Credit Repair isn’t right for you if you:
- Need more comprehensive credit repair services, such as credit monitoring, financial tools, or extra services or add-ons.
- Want 24/7 customer support, online chat, or mobile app access
- Prefer to pay as you go rather than prepay for six months of service.
- Expect guaranteed results or a quick fix for your credit issues.
- Are concerned about the company’s reputation or customer feedback.
What The Credit People Credit Repair Offers?
- A free credit consultation to review your credit situation and goals
- A free seven-day trial to test their service and see your credit reports and scores
- Unlimited disputes of inaccurate or negative items on your credit reports
- Comprehensive support from their team of certified credit experts
- A satisfaction guarantee that allows you to cancel at any time and get a refund for the last two months of service
The Credit People Credit Repair Details?
A Free Credit Consultation
You can talk to a credit expert who can review your credit situation and goals, and explain how their service works and what you can expect.
A Free Seven-Day Trial
You can test its service for free for the first week and see your credit reports and scores from the three main credit bureaus: Equifax, Experian, and TransUnion.
Unlimited Disputes of Inaccurate Or Negative Items
The Credit People can challenge any errors or unfair items on your credit reports with the credit bureaus and creditors, and work to get them removed or corrected.
Comprehensive Support from Their Team of Certified Credit Experts
You can have access to a dedicated account manager and a team of credit specialists who can guide you through the credit repair process and answer any questions you may have along the way.
A Satisfaction Guarantee
You can cancel your plan at any time without penalty and get a refund for the last two months of service if you are not happy with the results.
Where The Credit People Credit Repair Stands Out
A free credit consultation
You can talk to a credit expert who reviews your credit situation and goals, and explain how the company’s service works and what you can expect.
A free seven-day trial
You can test Credit People’s service for free for the first week and see your credit reports and scores from the three main credit bureaus: Equifax, Experian, and TransUnion.
Unlimited disputes of inaccurate or negative items
Note that The Credit People can challenge any errors or unfair items on your credit reports with the credit bureaus and creditors, and work to ensure their removal or correction.
Comprehensive support from their team of certified credit experts
Get access to a dedicated account manager and a team of credit specialists who can guide you through the credit repair process and answer any questions you may have along the way.
A satisfaction guarantee
You can cancel your plan at any time without penalty and get a refund for the last two months of service if you are not happy with the results.
>>>PRO TIPS: Credit Counseling What Does It Do
Where The Credit People Credit Repair Falls Short
The Credit People Credit Repair falls short in the following ways:
Expensive and ineffective flat-rate plan
Prepare for a one-time fee of $419 for six months of service, which is more than double the cost of the monthly plan. However, the flat-rate plan does not offer any extra benefits or features, and it may not be enough time to see significant results.
Limited customer support options
Unlike other companies, don’t expect 24/7 customer support from CreditPeople. In fact, you can only access its customer service by phone or email; there is no online chat or mobile app. This could make it difficult to reach them if you have any questions or issues.
No credit monitoring or financial tools
The company does not offer credit monitoring, which can help you prevent identity theft and track your progress. It also does not offer financial tools, such as budgeting software or debt calculators.
Negative reviews from unhappy customers
The company has some negative reviews from customers who complain about slow or ineffective service, poor communication, and billing issues. Some customers also report that the company did not remove any items from their credit reports or improve their credit scores.
No optional add-ons or extra services
The company only offers one basic suite of products; there are no optional add-ons or extra services that can enhance your credit repair experience. For example, some companies offer identity theft protection, goodwill letters, or cease and desist letters.
How to Qualify for The Credit People Credit Repair
To qualify for The Credit People Credit Repair, you need to have a credit history and some credit issues that you want to fix. You also need to be willing to pay a monthly fee or a flat-rate fee for its service and follow its advice and guidance. You do not need to have a minimum credit score or income to sign up for its service.
However, be aware that The Credit People Credit Repair cannot help you if you do not have any credit history, or if you continue to make late payments or incur new debts. Understand that Credit People cannot guarantee a specific outcome or a quick fix for your credit problems. You still need to be responsible for your credit and financial habits and be patient and persistent with the credit repair process.
How to Apply for The Credit People Credit Repair
To apply for The Credit People Credit Repair, you can follow these steps:
- Visit its website and fill out a short form with your name, email, phone number, and credit goal. You can also call the company at 866-382-3410 to get a free credit consultation.
- Choose a plan that suits your needs and budget. You can either pay $79 per month or $419 for six months of service. You can also get a $20 discount for each person if you sign up with your spouse or partner.
- Pay a low setup fee of $19 and get instant access to your online account. You can see your credit reports and scores from the three main credit bureaus: Equifax, Experian, and TransUnion.
- Let The Credit People handle the rest. It reviews your credit reports and disputes any errors or negative items with the credit bureaus and creditors. It also provides you with a dedicated account manager and a team of credit specialists who can guide you through the process and answer any questions you may have.
- Watch your progress each month and enjoy the results. You can cancel your plan at any time without penalty and get a refund for the last two months of service if you are not satisfied. You can also expect to see an average score improvement of 53 to 187 points and an average removal of 7.6 items per customer.
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Alternative to the Credit People Credit Repair
Credit Saint
Consider Credit Saint if you want the best credit repair service overall. It has a long and solid record of helping thousands of people improve their credit scores. Get access to a free consultation, a free trial, and a 90-day money-back guarantee. It also has an A+ rating and accreditation from the Better Business Bureau.
The Credit Pros
Try The Credit Pros if you value customer satisfaction. It offers four plans for credit repair services, a free consultation, and a 90-day money-back guarantee. It also provides credit monitoring, identity theft protection, and financial tools.
Sky Blue Credit Repair
Choose Sky Blue Credit Repair if you are looking for a credit repair service for couples. It offers one simple plan for credit repair services, a free consultation, and a 90-day money-back guarantee. It also provides couples discounts, extra services, and personalized disputes.
Customer Reviews
Understand that The Credit People Credit Repair has mixed Customer Reviews according to various sources. Some customers praise the company for improving their credit scores and removing negative items from their credit reports. Others complain about slow or ineffective service, poor communication, and billing issues.
Here is a summary of some of the reviews from different websites:
- Investopedia: The website gives The Credit People a rating of 4.5 out of 5, based on its affordability, transparency, free trial, satisfaction guarantee, discounts for couples, and experience. However, it also points out its drawbacks, such as its high-cost flat-rate plan, limited customer support options, and lack of optional add-ons.
- ConsumerAffairs: The website shows an average rating of 3.9 out of 5, based on 26 customer reviews. Most of the reviews are positive, with customers reporting significant score improvements and removals of negative items. Some of the negative reviews mention slow or ineffective service, poor communication, and billing issues.
- Top Ten Reviews: The website ranks The Credit People as the seventh best credit repair company out of 10. It highlights its interactive website, online portal, a team of certified representatives, and satisfaction guarantee. It also criticizes its monthly option as a bit pricey, and its lack of credit monitoring and financial tools.
Pro Tips
Here are some pro tips to follow when choosing Credit People Credit Repair:
- Compare its services and prices with other credit repair companies. You can read some reviews and ratings from different sources to help you make an informed decision.
- Take advantage of its free trial and satisfaction guarantee. You can try its service for free for seven days and see your credit reports and scores. If you are not happy with the results, you can cancel at any time and get a refund for the last two months of service.
- Choose a plan that suits your needs and budget. Pay either $79 per month or $419 for six months of service. You can also get a $20 discount for each person if you sign up with your spouse or partner.
- Be patient and realistic with the credit repair process. Credit repair can take several months to see significant results, and there is no guarantee that your credit score can be higher in the end.
- Check your progress and results each month. You can access your online account and see your credit reports and scores from the three main credit bureaus: Equifax, Experian, and TransUnion. You can also contact your dedicated account manager and team of credit specialists if you have any questions or issues.
Recap
Think of The Credit People Credit Repair as a credit repair company that can help you improve your credit score by disputing inaccurate or negative items on your credit reports. The company offers a free trial, a satisfaction guarantee, and unlimited disputes for a low monthly fee or a flat-rate option. The company also provides free credit reports and scores from the three main credit bureaus, and discounts for couples.
However, be aware that the company also has some drawbacks, such as limited customer support options, no credit monitoring or financial tools, and some negative reviews from unhappy customers. Therefore, before choosing The Credit People Credit Repair, compare it with other credit repair companies and see which one suits your needs and budget best.
You must also check its credentials, reputation, and customer feedback before signing up. And remember, credit repair is not a quick fix, but a long-term process that requires patience, persistence, and discipline.
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