The Credit People Review

Overview

Having a high credit score is important for anyone who wants to take advantage of future financial services such as a credit card or loan, but understanding and maintaining that score can be challenging – especially if you don’t know what is on your report. Generated using reported information from various lenders, your credit report contains a full overview of your payment history, outstanding debt, and even credit-based applications. But occasionally, it can also include mistakes and errors that can hurt your score even though they aren’t relevant to you. 

Going through your credit report yourself is a daunting task, and even more difficulty is the long process of contacting credit bureaus and lenders in order to eliminate mistakes. Instead of spending countless hours on the phone and filing endless paperwork, companies like The Credit People are ready and available to do all of the hard work for you. Taking the time to go through your report with a fine-tooth comb, The Credit People are able to help spot mistakes, pick out questionable entries, and even help pinpoint ways in which you can ultimately raise your score over time. Affordable and simple, The Credit People are a top choice for anyone who is unsure about their credit report or who need assistance repairing their credit history.

Who Are The Credit People?

Founded back in 2001, The Credit People is made up of a team of credit experts who have spent years dedicated to helping customers repair their credit and move on towards financial freedom and success. During their time in operation, The Credit People have helped over 100,000 people find relief from their credit woes, and they have personally assisted each individual to make sure they receive personalized care every step of the way. 

Relying on a highly trained, handpicked Team, The Credit People provides unmatched quality service and gives you access to a wide range of experts who are all very educated in their respective fields. Some of the teams you will encountered when working with The Credit People include:

• Certified & Trained Credit Repair Team
• Credit Score Analysis Team
• Personal Customer Support Team
• Initial Sales Team
• Executive Team
• Security & Compliance Tech Team
• Marketing Team
• Affiliate Credit Partners

FCRA-certified, the agents at The Credit People are not only fully certified and trained but they are also required to undergo ongoing training so they are completely up to date with credit laws, statutes, and reporting practices. This means as a client, you get the best of the best when it comes to who is working on your behalf, and you can rest assured that your team is more than capable of finding every error and questionable entry on your credit history report.

How Does It Work?

Beginning with your free consultation, the team at The Credit People will sit down with you to openly discuss what your current credit score is and what your concerns are. Once they are able to understand your situation, a trained agent will then be able to help guide you through the process, pointing out exactly what they can do for you and developing a personalized plan of attack. How The Credit People approach each case is unique, and experts from across the various teams will collaborate to make sure you get the best results possible.

Taking care of everything for you, there won’t be much for you to do except sit back and wait. Instead of having to make endless calls, The Credit People will handle everything themselves and you can follow along with their progress from your client portal. All activity and progress is updated in real time, and you can view all of your case information 24/7 online.

Generally it takes around 60 days before you will see any significant updates on your case, but after that point your credit score should steadily climb as inaccurate entries are deleted from your report. Keep in mind, however, that The Credit People are only able to remove inaccurate, false, or questionable entries and legitimate negative reports may not be able to be fixed. As for the entries that can be repaired, most clients see their full results in only 4 to 6 months from when they begin.

Although the process is not instantaneous, The Credit People offer one of the best chances at repairing your credit score and they stand by their claims with a full money-back guarantee. Able to cancel your service at any time, and with a 6 month satisfaction guarantee, there is no risk to reaching out and seeing how The Credit People may be able to help you take control of your finances and enjoy a healthier credit report now.

What Can The Credit People Help With?

Protecting your rights as a consumer, The Credit People are highly trained and knowledgeable about credit laws, statues, and reporting practices. Unlike the average person who is usually quite unaware of what lenders/bureaus can and cannot do, the team at The Credit People have spent years dedicated to knowing the ins and outs so that they can quickly spot mistakes and errors. Finding things you would have otherwise overlooked, The Credit People can pick out entries that are harming your credit score and then work on your behalf with the lender and/or bureau in order to have that enty removed. As each entry is taken off, your credit score will increase alongside the process until you are at a place where you can enjoy your financial freedom.

The types of penalties that The Credit People work to remove include things such as:

• Late Payments
• Identity Theft
• Charge-Offs
• Collections
• Inquiries
• Bankruptcy
• Repossession
• Judgements

Who Is The Credit People Best For?

The Credit People is a credit repair service, meaning they can only assist in raising your credits score via the removal of incorrect or erroneous entries on your report. What The Credit People cannot assist with is debt consolidation or debt relief, which is a completely different type of service for those actively in debt.

If you owe money to various lenders and they are actively pursuing collection activity then The Credit People may not be right for you. Instead, you will be better off looking for a company who can work with lenders on your behalf to negotiate settlements, something The Credit People cannot do. Instead, The Credit People is designed to help individuals who have credit reports that either have incorrect entries, or who have questionable additions that are affecting their score.

To utilize the services offered by The Credit People you do need to be 18 years of age or older and be a resident of the USA. Both individuals and couples are welcome to use The Credit People, and there is actually a discount of $20 off each of your first payments for couples who do enroll together. Other than that, there are no minimum credit score requirements, and there are no other restrictions listed for who can use The Credit People.

Unsure about whether or not The Credit People is the right choice for you? Qualified and knowledgeable agents are available by phone or or by virtual chat to answer any questions you may have and to help guide you towards making the right decision for your personal situation.

How Much Does The Credit People Cost?

Getting started with The Credit People does have an initial cost of $19 which will help to open your account and get you fully set up online with your personal client portal. After paying that initial amount, you will then be able to see your report from all 3 credit bureaus and you can find out exactly what your current credit score is. Following that first week, you will then need to continue with a full monthly membership, which you can choose to pay on a month-by-month basis or as a flat-rate for a full 6-months of service.

Those who choose to pay as they go will be charged $79 each month. That membership includes unlimited access to disputes with no cap on how many you can file, as well as 24/7 account access. As for the flat-rate, those who are interested in signing up for all 6 months at once will pay a one-time charge of $419, which gives you $74 worth of savings. 

Regardless of which payment method you prefer, both types of memberships come with the exact same benefits and you will enjoy:

• Straight Forward Monthly Pricing
• 24/7 Account Access
• Toll-Free Customer Service
• Free Credit Reports and Scores
• Score-Driven Results®
• Unbeatable Satisfaction Guarantee®
• Unlimited Disputes
• Creditor Communication
• Debt Validation
• Inquiry Validation
• Certified FCRA
• Help Beyond Credit Reports

Bottom Line

Having a low credit score can impact many aspects of your life, preventing you from getting a credit score, obtaining a mortgage, or even getting a loan for a car. Unfortunately, correcting your credit report on your own is a very tedious and difficult task, which is why so many people simply suffer in silence with a negative credit history attached to their name. However, if you are tired of being denied for loans or only being offered outrageous interest rates, then The Credit People may be right for you.

Providing you with unbeatable service at an affordable price, The Credit People work tirelessly to identify and remove incorrect and questionable entries on your credit report so that you can benefit from a better, higher score. Backed by a team of experts and with a full money-back guarantee, those who choose The Credit People can enjoy real results in only a few short months, allowing them to get on with their life and experience true financial freedom. To learn more, or to get started yourself, you can visit The Credit People directly online and see just how they can assist you.