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The Credit People is a credit repair company based in Florida, with over 16 years of experience in this business and it is endorsed by publications such as USA Today, The Wall Street Journal and Smart Money.
The Credit People is one of the most affordable credit repair firms on the market today. They even state on their website that they have one of the lowest fees in the industry.
The company claims to have processed over 310,000 unique credit reports so far and they boast on being trained and certified in laws such as the Fair Credit Reporting Act (FCRA) or the Fair Debts Collections Practices Act.
They are very transparent about pricing, so rest assured you won’t be tricked into paying extra hidden fees or costs.
The Credit People program also comes with 100% satisfaction guarantee. In case you are not satisfied with the work they’ve put in, you can cancel at any time and not get charged for that month. Moreover, you will get a full refund for your last’s month payment. If you go with their flat rate membership, you will benefit of the satisfaction guarantee for all six months.
Depending on your situation and numbers of items you have to dispute, the average length of the program is 6 to 7 months.
How it works
In order to sign up for The Credit People program, you have to first fill in the form on their website with details such as: full name, address, email, phone number and the payment method you prefer (they accept Visa, MasterCard, American Express and Discover).
You will then be contacted by one of their reps, who will offer you a free consultation. They will obtain your credit reports and then the experts will analyze your case and see what items on your credit report are inaccurate and are worth being disputed.
The Credit People team will contact the main credit bureaus and start challenging and removing bad items on your report. They claim you will start seeing the first results in less than 2 months.
You will have access to your account as soon as you sign up and you will be able to see your credit and the 3 credit scores. You will have 24/7 access to your online account.
One of the strengths of this credit repair firm is the fact that they provide plenty of education materials (a blog, sections on their website which cover various finance and credit topics), a guide that teaches you how credit scores are calculated and so on. They don’t want to just repair your credit, but also help you outline a plan that will ensure your credit remains improved in the future, too.
The Credit People can remove from your credit report items such as late payments, paid collections, student loans, bankruptcies, charge offs and others.
There are some features that are missing from this company’s program, features that many competitors include, such as identity theft protection, pay for delete negotiations or credit monitoring. So that’s a thumb down for The Credit People.
The Credit People offers a 7 day trial which is not free, but costs significantly less than their normal monthly subscription. If you want to give them a try, you are only going to be charged with $19/day for the first week.
If you are satisfied with the results, you can start paying the full monthly fee, which is $59/month.
If you’re not a fan of the monthly payment system, you can also sign up for their complete six-month credit repair program (flat rate membership), which is $299 for the entire program.
If you sign up as a couple, each of you gets a $20 discount off your first month’s payment.
You can contact The Credit People team via phone or email. Their phone support hours are 9 a.m. to 5 p.m.
Phone: 866-382-3410
Fax: 1-866-361-5721
Email: [email protected]
They also have a comprehensive FAQ section on their website, an informative ‘secrets to great credit’ section on their website, a blog and other helpful resources.
They are more responsive when you contact them by phone, than by email.
Our editorial staff evaluates products and services independently, but Best Review Guide may earn money when you click on links. Read our advertising disclosure.
By: Cristina | Last updated April 12, 2017 
