The Credit People review

Whether we realize it or not, a large chunk of our life is ruled by our credit score. If you want to get a new car, you need to have a good credit score. If you want to have a decent house, you need to have a decent credit score. And if you want a good job, you also need a good credit score. 

Unfortunately, maintaining a good credit score could be quite challenging. Because the fact of the matter is there are times when bad things happen beyond our control that would damage our credit score. Such as high medical bills due to an auto accident and loss of jobs due to the pandemic, just to name a few. 

But that doesn't mean there's nothing you can do about it. There are things you can do that could help improve your credit score. And if you don't know what needs to be done about it or maybe simply don't have the time to do it, you can hire the service of professionals like The Credit People to do it for you. So if you are thinking about using their services, make sure you read our full review of the Credit People here.

The Credit People is a company that provides a credit score improvement service. This means if you currently have a bad credit score or maybe simply wish to improve it for any particular reasons, you can hire them to find the most effective and legal way to raise your credit score for you.

Founded in 2001, The Credit People has more than twenty years worth of experience in the industry and have processed more than 310,000 unique credit reports. That's why this Utah-based company not only knows what they are doing, but they are also constantly producing satisfying results for their customers.

Just like with taxes, you are the one who is responsible to make sure that the credit report is accurate. If you find something that is inaccurate within your credit report, you can contact the credit bureaus directly to dispute the content of their reports.

In case you didn't know, there is something called the Fair Credit Reporting Act (FCRA). This law was enacted in order to help you demand your right to correct the inaccurate credit reports. The team at The Credit People will review your credit report and look into what's bad and what could be improved. 

They will dispute the bad report and do the things that they believe would increase your credit score. All items that are inaccurate, untimely, misleading, biased, incomplete, or unverifiable can be disputed. And there have been thousands of people that have legally and successfully restored their credit score this way.

Within the first week of joining with The Credit People, you'll receive your credit reports, free of charge. The Credit People will assign a team of experts to work on your case and to achieve your objectives. You could usually see the changes in your credit score within the first 45 to 60 days.

How long the whole process would take depends highly on your initial credit score and the numbers that you want to achieve. But for the best result, it usually takes around four to six months. You can monitor the progress from your own secure online account. 

Based on their decades of experience, you can expect up to 32% average increase in credit scores. Not only that, 78% of people are also approved for Auto Loans after using their service. 71% are approved for Home Loans, 81% are approved for New Credit, and 74% are approved for Refinancing 

Improving your credit card score is not something that happens overnight, as it takes time to do it properly. To save your money, The Credit People offers two kinds of pricing plans, rather than the usual hourly rate. The first one is a subscription plan, while the other one is a one-time payment plan.

The monthly membership cost $19 to get started. Once you've become a member, the price is $79 per month and you can pay them as you go. With this plan, you can cancel any time you want. The one-time payment will cost you $419. With this plan, you get a six month worth of service.

Whichever plans that you choose depends on your credit reports and the score that you want to achieve. If you simply need The Credit People to improve ten or twenty points of your credit score, then I suggest you get the monthly plan. But if what you need is a total repair of your damaged credit score, which certainly takes time to work on, then I suggest you go for the second plan. 

• Lowest fee in the industry. As mentioned above, The Credit People offers two kinds of pricing plans. And whether you get the monthly plan or the six months plans, you can be sure that you'd get one of the lowest fees in the industry. 
• Free credit reports and scores. One of the first things that you'd get after joining The Credit People is your full credit reports and scores, free of charge. You could usually see the reports within a week after you join. Believe it or not, The Credit People is one of the only companies who offer these benefits to their customers.
• 24hr account access. Once you join, The Credit People will provide you with a secure account. This is the place where you can see your reports and any changes and improvements made by The Credit People overtime. And it goes without saying that you could access it 24/7.

Whether we like it or not, our credit score matters a lot for pretty much every aspect of your life when it comes to money. Many important aspects of our daily lives depend on it, from getting a mortgage to a credit card. So if you have a bad credit score, you should try to improve it as soon as possible. And if you don't know how to do it, The Credit People could help raise your credit score. They are trustworthy, experienced, reasonably priced, and highly effective. So if you are thinking that you want to take action on your current credit score, check them out and see if they are the right fit for your needs.