The Credit People Review: Repair Your Credit
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Today, maintaining a healthy credit history is more important than ever. As people navigate the intricacies of credit reports and scores, many turn to credit repair companies for assistance. These companies offer a range of services to improve creditworthiness, from disputing negative items to providing personalized advice for enhancing overall credit health.
One of the key attractions of credit repair companies is their accessibility. They often offer free consultations and provide access to free credit reports to kickstart the process. Amidst this array of options stands The Credit People, a player in the credit repair industry known for its comprehensive services and transparent pricing.
In this The Credit People review, we'll explore what sets it apart from competitors. From its features to its pricing structure, we'll explore how this company aims to empower individuals on their journey to better credit.
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What is The Credit People?
The Credit People is a credit repair service company that assists individuals in improving their credit reports and scores. Their primary focus is ensuring that the credit reporting agencies — Equifax, TransUnion, and Experian — create accurate and fair credit reports for their clients. They offer a hassle-free process where they review credit reports, identify negative items, dispute questionable entries, and address issues that can help raise credit scores.
The company emphasizes the importance of legal and effective credit repair, leveraging consumer protection laws like the Fair Credit Reporting Act (FCRA) to correct unfairly reported information and enhance clients' credit standing. They aim to make the credit repair process simple and efficient for their clients.
Beyond addressing negative items, The Credit People also focuses on strategies to improve the overall credit score. They guide clients' actions to positively impact their credit, such as managing debt effectively, understanding credit utilization, and making timely monthly payments to go from bad to good credit. They offer personalized advice tailored to each client's unique credit situation.
Clients can monitor progress online and enjoy live customer service via phone, chat, and email. With an unbeatable satisfaction guarantee, The Credit People has achieved an estimated credit score increase of 50-100+ points for their clients and has successfully removed about 1.5 million credit issues.
The Credit People is not accredited by the Better Business Bureau (BBB), where it has a dismal 2.42/5 rating. Customer reviews aren’t different on TrustPilot, which has a 2.3-star rating.
Start with a custom credit evaluation (free for a limited time)
- Expert evaluation of your credit
- Your score
- Recommendations tailored for you
- Summary sent to you -- yours to keep!
What does the process look like?
The Credit People begins its process by reviewing clients' credit reports. They scrutinize every detail to identify negative items dragging down the credit score. This includes errors, outdated information, and discrepancies that might unjustly affect the client's creditworthiness.
Once they have identified potential issues, The Credit People proactively dispute any questionable items on the credit report. They communicate with the credit reporting agencies and creditors, ensuring all disputes are processed correctly and promptly. They aim to remove or correct items that are not in the report or inaccurately reported.
The Credit People features
The Credit People has over 20 years of experience and has helped over 100,000 people with their credit. Here are a few of its top features:
Comprehensive credit reports & scores
At the beginning of the service, The Credit People secures clients' credit reports and scores, establishing a clear baseline. Clients can observe visible improvements in their credit reports and scores throughout the service. Additionally, they can receive ongoing, real-time credit score updates each month.
Score-driven improvement
The Credit People’s "Score-Driven Improvement" philosophy focuses on more than just removing negative items and correcting credit issues. They also aim to enhance clients' credit scores through various strategies beyond traditional credit repair. Unlike other services that limit themselves to disputes and interventions, The Credit People go further to boost credit scores.
24/7 online account monitoring
Transparency is a cornerstone of The Credit People’s service. They offer an online dashboard where clients can monitor their credit repair progress, view updates, and connect with the team for any questions at any time. This ensures clients remain informed and involved throughout the entire process.
Satisfaction guarantee
The Credit People guarantees exceptional satisfaction, ensuring clients only pay for positive outcomes. If clients are dissatisfied with the service, they can cancel at any time without being charged for that month and will also receive a refund for the previous month's payment.
Beyond standard credit services
The Credit People extends its services beyond standard credit report assistance. Whether clients need support for employment or apartment applications requiring a credit check, a referral letter, or help lowering interest rates, The Credit People is ready to assist. The Credit People will resolve the issue if clients do not receive updated credit reports from the agencies. They offer comprehensive support for employer and credit check needs, ensuring clients receive updated reports and addressing any other credit-related concerns with a "how can we help?" approach.
Start with a custom credit evaluation (free for a limited time)
- Expert evaluation of your credit
- Your score
- Recommendations tailored for you
- Summary sent to you -- yours to keep!
How much does the credit people cost?
The Credit People has three pricing tiers, and its satisfaction guarantee applies to all three. Clients can cancel at any time.
Standard plan
With The Credit People's Standard Plan, you can enjoy worry-free credit repair services at an affordable price. For just $99 per month, you get access to comprehensive features, including challenges to all three credit bureaus, unlimited challenges, before and after credit scores from all three bureaus, and monthly refreshes of all three reports and scores.
Additionally, The Credit People provides creditor interventions and escalated disputes and validations.
Premium plan
The Credit People's Premium Plan is the ideal choice for those seeking the most advanced credit repair services. At $119 per month, you will receive all the benefits of the Standard Plan plus additional premium features.
Premium flat-rate plan
The Credit People's Premium Flat Rate Plan is perfect for those who prefer to avoid monthly fees and have substantial credit repair needs.
For a one-time payment of $599 over six months, clients have access to all premium features and services without the hassle of monthly payments. This plan is designed to provide maximum flexibility and value, ensuring clients receive the support they need to improve their credit.
Who is The Credit People suitable for?
The Credit People is well-suited for individuals seeking comprehensive and professional credit repair services to improve their credit scores. It's particularly beneficial for those who:
- Want a hassle-free experience. The Credit People offers straightforward plans with transparent pricing and a satisfaction guarantee, making it easy for clients to track their progress and achieve their credit goals.
- Need personalized assistance. With access to all three credit bureaus and a team of credit experts, The Credit People can tailor their services to address specific credit challenges and goals.
- Value flexibility. Whether clients prefer a pay-as-you-go model or a flat-rate option, The Credit People offers pricing plans that cater to different preferences and budgets.
- Seek results-driven solutions. Through their Score-Driven Results philosophy, The Credit People not only focuses on removing negative items but also works to improve clients' credit scores through various avenues beyond traditional credit repair.
Who shouldn’t use The Credit People?
The Credit People may not be suitable for individuals who:
- Have unrealistic expectations. While The Credit People can help improve credit scores and address negative items, significant improvements may take time, and results can vary depending on individual circumstances.
- Prefer a DIY approach. Some individuals may prefer to handle credit repair tasks themselves rather than outsourcing them to a professional service.
- Have complex legal or financial issues. In cases where clients face intricate legal or financial challenges beyond credit repair, they may benefit from seeking specialized legal or financial advice in addition to credit repair services.
Pros and cons
Pros
- Comprehensive services. The Credit People offers comprehensive credit repair services, including credit report reviews, dispute handling, and personalized advice to improve credit scores.
- Transparent pricing. With straightforward pricing plans, clients know exactly what they're paying for without hidden fees or surprises.
- Satisfaction guarantee. The Credit People provides an unbeatable satisfaction guarantee, allowing clients to cancel at any time and receive a refund for the previous month's payment if dissatisfied with the service.
- Access to all three credit bureaus. Clients have access to all three major credit bureaus (Equifax, TransUnion, and Experian), ensuring comprehensive credit monitoring and repair.
Cons
- Lack of accreditation. The Credit People is not accredited by the Better Business Bureau (BBB), which may raise concerns for some clients about its credibility.
- Mixed customer ratings. The company has received mixed ratings on platforms like TrustPilot, indicating that the level of customer satisfaction may vary.
- Limited additional services. Compared to some competitors, The Credit People may lack certain additional services such as debt validation or cease & desist letters as part of its standard package.
- May not address complex issues. For clients with complex legal or financial issues beyond credit repair, The Credit People's services may not be sufficient, and they may require additional specialized assistance.
Start with a custom credit evaluation (free for a limited time)
- Expert evaluation of your credit
- Your score
- Recommendations tailored for you
- Summary sent to you -- yours to keep!
The Credit People vs. Competitors
So, how does The Credit People fare when compared with other credit repair companies? Let’s find out!
Credit Saint
The Credit People and Credit Saint both offer credit repair services to improve clients' credit scores. The Credit People provides straightforward pricing plans, hassle-free credit repair, and access to all three credit reports and scores. On the other hand, Credit Saint offers personalized plans with tailored solutions, a free consultation, and a 90-day money-back guarantee.
While The Credit People focuses on unbeatable satisfaction and comprehensive credit repair, Credit Saint emphasizes ethical and effective credit repair services with a track record spanning over a decade. Ultimately, the choice between the two depends on individual preferences, needs, and budget.
Lexington Law
Established in 2004, Lexington Law offers comprehensive credit repair services. Its website offers various resources to help individuals assess whether credit repair is suitable for them. Clients can initiate their credit repair journey by taking a quiz, scheduling a free consultation, or signing up online promptly.
Upon enrollment, Lexington Law provides a thorough credit report analysis and devises an action plan to address questionable negative items. Their team manages correspondence with credit bureaus and creditors on behalf of clients, aiming for swift resolutions.
Additionally, clients gain access to an online portal for 24/7 credit score analyses and counseling solutions. Lexington Law offers three service levels: Concord Standard, Concord Premier, and Premier Plus. These levels cater to different credit repair needs and budgets, with monthly fees ranging from $99.95 to $139.95.
Comparatively, The Credit People offers a simplified approach to credit repair, providing unbeatable satisfaction guarantees and access to all three credit reports and scores at competitive pricing.
Sky Blue Credit
Sky Blue Credit stands out for its simplicity, offering a single package that includes all the necessary features for credit repair. This eliminates the need for clients to choose from multiple service levels. The company begins with a thorough credit report analysis, identifying items for dispute, and submitting customized dispute letters. Additional services, such as statute of limitations research and personalized advice for credit optimization, are provided to clients at no extra cost.
Sky Blue Credit also offers a unique pricing structure. There is no charge for the first six days after sign-up, followed by a one-time setup fee of $79 and a monthly fee of $79 thereafter. There’s also a $99 monthly membership plan. Clients can cancel their plan at any time and are eligible for a refund within 90 days of enrollment if they are unsatisfied.
On the other hand, The Credit People offers a more traditional approach with multiple service levels and pricing options. The company provides access to all three credit reports and scores and focuses on disputing negative items on behalf of clients. The Credit People also offers a satisfaction guarantee and promises to raise clients' credit scores by an estimated 50-100+ points. However, unlike Sky Blue Credit, The Credit People does not offer additional services such as debt validation or cease & desist letters as part of its standard package. Pricing starts at $99 monthly, with different tiers offering varying service levels.
FAQs
What is The Credit People?
The Credit People is a credit repair service company that assists individuals in improving their credit reports and scores. They focus on ensuring that credit reporting agencies create accurate and fair credit reports for their clients.
How does The Credit People improve credit scores?
The Credit People reviews credit reports, identifies negative items, disputes questionable entries, and addresses issues that can help raise credit scores. They also provide guidance on managing debt effectively, understanding credit utilization, and making timely payments.
What features does The Credit People offer?
The Credit People offers comprehensive credit reports and scores, score-driven improvement strategies, 24/7 account monitoring, and a satisfaction guarantee. They also provide beyond-standard credit services such as support for employment or apartment applications requiring a credit check.
How much does The Credit People cost?
The Credit People offers three pricing tiers: Standard Plan ($99 per month), Premium Plan ($119 per month), and Premium Flat Rate Plan (one-time payment of $599 for six months). All plans include access to comprehensive features and the satisfaction guarantee.
Is The Credit People accredited?
No, The Credit People is not accredited by the Better Business Bureau (BBB), and it has received mixed ratings on platforms like TrustPilot.
Start with a custom credit evaluation (free for a limited time)
- Expert evaluation of your credit
- Your score
- Recommendations tailored for you
- Summary sent to you -- yours to keep!
The bottom line
The Credit People is a reputable and reliable option for individuals seeking professional credit repair services. With over 20 years of experience and a commitment to customer satisfaction, The Credit People offers comprehensive solutions to improve credit scores and address negative items on credit reports.
Their straightforward pricing plans, transparent processes, and access to all three credit bureaus make them a top choice for those looking to enhance their credit standing. Additionally, their Score-Driven Improvement philosophy ensures a holistic approach to credit repair, focusing on removing negative items and improving overall credit health.
With a satisfaction guarantee and a range of valuable features, The Credit People provides a hassle-free and effective solution for individuals striving to achieve better credit.
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Writer
Jasir Jawaid is Joy Wallet's Assistant Editor. He has more than 13 years of experience as a journalist covering Wall Street, equities, financial policy and regulation, and cryptocurrency and blockchain.
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