The Credit People Review

The Credit People - Overview

Years In Operation

• Since 2001

Plan Details

• Pricing
  • $19 setup fee and $99 per month

Type of Contract

• Month to month

Refund/Cancellation Policy

• Cancel anytime
• Full money-back guarantee

Online Registration

• Yes

Phone Registration

• Yes

Licenses

•          Credit Repair Organization Act
•          Bonded

Features

While most credit repair services require clients to get their own credit reports at the outset of service, The Credit People start by obtaining all three of your reports for you. The price of pulling your report is included in your start-up fee and first month's service.  This makes the credit repair process a little bit easier and less expensive for those who have used their free yearly credit reports.

After enrolling in the program and gathering your credit reports, The Credit People identify items for dispute and send this information to the different credit bureaus. The company's process includes digital disputes, escalated challenges, verification letters, cease and desist letters, and other creditor interventions. These services are all part of their unique Accelerated Dispute process and are included in your plan with no catch or hidden fees.  Updates are regularly sent informing you about changes made and negative items that remain. The company will initiate unlimited disputes for you for as long as you maintain membership in the program. Credit bureaus have 30 days to respond to these challenges, so you can expect the process of getting negative remarks on your report removed to take some time. Depending on how many items you need to have removed from your report, you'll likely have to maintain your membership for a minimum of three months. It can also take much longer to fully repair your credit. The Credit People also work with creditors for credit deletions.

Here's a list of features that come The Credit People's credit repair plans:

• Free consultation
• All three of your credit reports included
• All three credit scores updated for you
• Accelerated Dispute Process
• Real-time updates via your customer portal

The Credit People address such credit report issues as: 

• Late Payments
• Collections
• Charge-offs
• Bankruptcies
• Repossessions
• Foreclosures
• Liens
• Judgments
• Fraudulent hard credit inquiries
• Identity theft
• Creditor mistakes

Bear in mind that legitimate bankruptcies cannot be removed from your report by any credit repair company.

Support Services

Clients can reach The Credit People agents and representatives by phone, email, and live chat. Teams of three usually work for one client but one-on-one help is available for those who would like a more personal experience.

An online dashboard gives you easy access 24/7 for updates. Information on credit repair and how to improve your credit score is also available in articles or blogs on the website.

The Credit People Summary

With more than a decade in the business of helping people find relief from poor credit scores, The Credit People have developed their own Accelerated Dispute process. Ongoing, easy-to-access updates distinguish the company from many of its competitors. Yhe company provides excellent customer support features. In addition to offering easy online account management, customers have the option of speaking live with a credit repair analyst to address any questions they may have. Finally, The Credit Repair People stand behind their work with a money-back satisfaction guarantee and a cancel-at-any-time policy.

The company's services are fairly priced, with a low start-work fee of just $19 and monthly service charges that fall somewhere in the middle of the spectrum when compared to competitive services. You may find cheaper services out there, but the features and customer support you get from The Credit Repair People make the company's services a good value.

Overall, The Credit People are well worth considering if you're shopping for credit repair services.