the credit people review company logo

Monthly Fee

 

$79 per month

Additional Fees

 

$19 initial fee

Credit Evaluation

 

Free

Average Credit Repair Time:

 

45-60 days

Editorial Rating

The Credit People Review

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Monthly Fee

 

$79 per month

Additional Fees

 

$19 initial fee

Credit Evaluation

 

Free

Average Credit Repair Time:

 

45-60 days

In Business Since

 

2001

BBB Rating

 

C+

Guarantees / Warranty

 

6 month satisfaction guarantee (if you opt for flat fee pricing)

Disputes

 

Unlimited

the credit people review company logo

Editorial Rating

Having a low credit score or bad payment history can seriously affect you financially. You may get rejected or pay higher interest rates when applying for auto loans, mortgage loans, student loans, and credit cards.

That’s where The Credit People comes in. The company has helped over 100,000 people in the US improve their records and raise their credit scores. But is it the right choice for you? The Credit People reviews like ours can help you find out.

We will highlight the key strengths and weaknesses of the platform and explore why this company is considered one of the top credit repair service providers.

Overview

The Credit People is essentially a credit manager. It reviews your credit record then disputes any questionable items on your behalf. Afterward, it addresses the things it believes can help raise your credit score.

Keep in mind, though, that The Credit People does not offer a debt consolidation service. So if you are considering such financing, you would have to contact a specialized lender.

The Credit People Services

The Credit People doesn’t just give you access to your credit report. It also provides multiple services to work towards repairing your score.

Credit analysis

The Credit People will obtain your credit record from all three major credit bureaus  — Equifax, TransUnion, and Experian.

Because no two credit reports are the same, looking at what’s affecting someone’s credit score and how it can be improved requires special attention.

The Credit People FCRA-certified agents look beyond your credit score. Their Score-Driven Results philosophy involves in-depth analysis to ensure utmost credit optimization.

Credit consultation

The Credit People provides plenty of educational material on its website. The resources cover issues such as how to read and understand your report, what a soft and hard inquiry is, etc.

Apart from exploring these general topics, you can get tailored advice on how to pay down your credit card balances to improve your payment history and establish good credit management habits.

Unlike most of its competitors, The Credit People offers a free credit consultation. You just need to fill in a request form and wait for the company’s team to contact you.

Credit disputes

After reviewing your records, The Credit People will get to work removing negative items from the record, verifying and correcting credit issues, and exploring other avenues and legal loopholes to raise your score.

Specifically, The Credit People will help you remove:

  • Late Payments
  • Inquiries
  • Identity Theft
  • Bankruptcies
  • Charge-Offs
  • Repossessions
  • Collections
  • Judgments

The Credit People Cost

Most credit repair companies use the “pay-per-deletion” pricing option where customers pay to have items removed from their credit records. The Credit People plans, however, offer monthly/fixed packages.

Each plan includes a one-time setup fee of $19, and The Credit People offers a service discount to couples specifically.

And The Credit People prices are as follows:

Monthly membership

The monthly membership is on a pay-as-you-go basis. For $79 per month, you get:

  • unlimited disputes
  • 24/7 account access
  • communication with an allocated creditor
  • toll-free customer service

You also have the option to cancel whenever you want.

Flat-rate membership

The flat-rate membership package is a one-off payment of $419 for six months worth of service.

It offers the same credit repair services, plus a 100% satisfaction guarantee.

The Credit People Customer Support

The Credit People’s online dashboard allows you to track the progress and effectiveness of your credit improvement strategy. And if any questions arise along the way, you can resort to the website’s comprehensive FAQ section or connect with The Credit People support team.

You can reach it at the company’s offices in Chicago, Florida, and Utah via phone or fax. You can also contact them via email for questions or comments, and feedback.

Fans of snail mail can send them letters to their corporate address in Utah.

The company is pretty responsive and courteous by phone and email, judging by a barrage of users’ feedback.

The Credit People User Reviews

We looked through several credit repair customer reviews to understand how users feel about this particular credit repair website.

It’s interesting to note that reviews on credit repair services are generally mixed, and The Credit People is no different.

Customers have both praised and complained about the same things — responsiveness, customer service, and credit repair progress (or lack thereof).

The Positives

A large number of positive The Credit People reviews are results-driven. Reportedly, the company did what it said it would — it removed negative items on its record and helped increase customers’ credit scores.

Clients praised how affordable the service is and how easy it is to work with its reps. In addition, customers were satisfied with the excellent response times.

The Negatives

We’ve also read through negative feedback. The company has a C+ rating on the Better Business Bureau, which is low compared to other credit repair BBB accredited companies.

The most common The Credit People complaints are from people that saw no results from the service. In fact, some users claimed the disputes caused their credit scores to drop even though The Credit People promises no risk and guaranteed satisfaction.

Our Verdict

Most The Credit People customer reviews suggest that the service is easy to use and resultful. Our analysis confirms that. What’s more, we can recommend the company with an easy mind since the six-month satisfaction guarantee is there to cushion any potential disappointment.

Alternatives of The Credit People

As part of our The Credit People review, we looked at how the company stacks up against some of its competitors.

The Credit People vs Sky Blue Credit

Sky Blue Credit Repair is one of the top credit repair companies in the industry and probably one of the more streamlined credit cleaners. Sky Blue certainly provides the most user-friendly experience of all the credit helpers. For $79 per month, customers can get every credit repair feature like score assistance and credit rebuilding without the hassle of costly upgrades.

Many reviews on credit repair also praise Sky Blue Credit’s option to pause and resume your membership whenever you want and even select your own billing date, all with the click of a button. Much like The Credit People, Sky Blue Credit also provides a special discount for couples — half price for the second member.

The Credit People vs Ovation Credit

Ovation is one of the newer credit repair companies, but what they lack in experience, they more than make up for in outstanding service. It also provides additional credit management services like credit education and credit monitoring.

Ovation has two price plans — Essentials for $79 a month and Essentials Plus for $109 a month. Both are fully customizable and pack tons of features to address specific concerns without charging for unnecessary extras.

Wrap Up

The Credit People reviews, ours included, show that this is one of the best credit cleaners on the market. It’s affordable enough to not put a dent in your budget and experienced enough to get the job done.

Pros

  • FCRA-certified agents
  • Couple discount
  • Affordable pricing
  • Free credit consultation
  • 15+ years of experience
  • Free credit guide with email signup
  • 24/7 online access to repair progress

Cons

  • $19 set-up fee
  • Limited package options
the credit people review company logo

Editorial Rating

FAQ

What is The Credit People?

The Credit People is a credit repair company that helps people improve their credit rating and raise their score.

Is The Credit People legit?

Yes. The Credit People has been around since 2001 and has helped over 100,000 people repair their credit.

Is The Credit People safe?

There is no such thing as flawless security on the internet. But The Credit People takes all the reasonable steps to ensure the safety of your personal information, including 2048bit encryption, PCI compliance, and data depository.

What is the best credit repair company?

Picking the best credit repair company is a difficult task, but Credit Saint, Ovation, Sky Blue, and Lexington Law all regularly appear on lists with the best credit repair services.