- Cost: $19 Set Up – $299 up front or $59 per month
- Set Up Fee Waived with Upfront Payment
- A+ BBB Rating
- No Ongoing Monthly Fees
- Over 16 Years of Experience
- 100% Money Back Guarantee
Quick Review of The Credit People:
For those who are looking to get started repairing your credit but who are leery of having to pay a monthly fee, The Credit People offers a viable alternative with great results.
The company offers several ways to get started. For those who prefer the traditional route, there is a $19 setup fee and a monthly rate of $59 per month – very reasonable for credit repair.
For those who want to avoid paying every month, The Credit People charges a set fee of $19 for set-up and a flat rate of $299 – this covers all work done for you for a full six months, and there are no ongoing monthly commitments.
Their flat-fee pricing has a six-month satisfaction guarantee, so you can get a refund at any time during the credit repair process if you aren’t satisfied.
Another way this company stands out is that they procure your initial credit reports and credit scores for you, for free. This is a time-saving step that can be very important for people who need help with their credit right away.
Having the option to pre-pay for credit repair services up front can make it easier on people who have a limited amount of funds month-to-month. The satisfaction guarantee and flexibility on pricing makes The Credit People a solid choice.
Past Client Reviews:
“I’ve read reviews and have tried other companies in the past that charged a monthly fee and it seemed like I was always the one doing the work! With you guys, everything was taken care of and I saw results in just a few months. Thanks for helping me qualify for my new loan!” – S.R.
“I never believed credit repair could work before until I signed up with Credit People after reading a few positive reviews. There are so many scammers out there. I was reassured that there was a 100% satisfaction guarantee and that I didn’t have to pay for any month of work that I didn’t approve. So far, I’m very pleased! My new credit scores are already saving me thousands in interest payments and I can’t wait to see how much more improvement I can get.” – A.S.
“Thanks for helping me with this! I knew how credit repair is supposed to work, but I’ve never had the time to do any of it on my own. With your people, the entire process was fast and professional. A++ review from me” – J.L.
or Call (866) 875-1478 for a FREE Consultation!
Frequently asked questions about The Credit People:
How does The Credit People work?
To get started, you simply pay $19. They get your credit reports and scores for you, then they load them into your online account, create a strategy designed personally for you, and start working on your credit immediately. You’ll be given login access to your online account where you can see your credit and all three of your credit scores, then one of their experts will begin working on your credit right away.
You may start seeing improvements to your credit in less than 60 days and continue seeing improvements in your credit each month for as long as you’re with them. They will continue to work on your credit until they’ve accomplished the best results possible for you. You can always cancel at any time.
How long does it take them to repair my credit?
Every client’s situation is different. How long it takes depends on how many negative items are on your credit report and the responsiveness and cooperation of the credit bureaus and your creditors. Once you get signed up and they’ve reviewed your credit history, it will be easier for them to give you an estimation of how long it will take based on past clients’ results.
Do they offer a guarantee?
Yes, they stand behind their work 100%. They completely guarantee your satisfaction and have made their credit repair service risk-free. If you choose the month by month program, you can cancel at any time and you will not be charged for that month of service. That assures you that you will never have to pay for anything that you’re not happy with. If you decide to go with their flat-fee pricing, you will have a full 6-month satisfaction guarantee.
What items can be removed from my credit report?
It is possible to remove a bankruptcy, student loans, late payments, repossessions, hard inquiries, paid collections, judgments, charge offs, etc.? The answer is “yes” to all of those items. While it is not guaranteed that anything will be removed, it is possible to have any of those items removed.
Once items are deleted, can they reappear on my credit report?
It doesn’t happen very often; however, it is possible that a negative item that was recently deleted can show back up on your credit report. The FCRA requires that the credit bureau informs you before they re-report a previously deleted listing. They also have a limited time of 5 days to re-report the item once it’s been removed. Re-reporting the item after that is a violation of the FCRA which is why they rarely re-report items.
Where is The Credit People located?
They are located in Orlando, Florida. However, they service the whole country, so it is unnecessary to visit their offices in person. Everything can be handled online or over the phone.
How much does it cost?
They have 2 payment plans. The first is a pay as you go, cancel anytime. You can try out the service for 7 days for just $19 and if you like the service, continue for just $59 a month. Or you can sign up for a complete 6-month program for just $299. Your satisfaction is completely guaranteed.
Do they offer a discount for family members or couples?
Currently, they do not offer any such discounts.
What is their phone number?
The Credit People can be reached at (866) 875-1478 during business hours. If calling after hours, you can leave a message.
What are their call hours?
Customer Service hours are 9 am – 5 pm CST.
Sales hours are 24 hours/7 days a week.
How do I cancel with The Credit People?
It’s easy to cancel and with no further obligation. Simply just give them a call, tell them you want to cancel and you won’t be billed further.