The Credit People

Review Score 8.9


The Credit People Review

If can be difficult to start into the credit repair process, but working with a team like the Credit People can be beneficial. Anyone who has negative items on their score and wants to bring the number up will likely benefit from one of the top credit fixers, which includes this company. They have quality pricing and decent services, creating a relatively good value.

Pricing

Starting from: First 7 days for just $19, If you like the service, after 7 days you can continue for just $69 a month. If you don’t like monthly fees? Sign up for a complete six-month credit repair program for just $299
Pricing model: Subscription/Flat Rate

You’ll receive the same great service and results with either option.  The average credit repair program is a 6-7 month process with initial results within 30-60 days…If you have more than just a few negative items on your credit, take advantage of the most affordable credit repair program available anywhere; our “flat-rate” program.


Many credit repair companies in our review charge a fee for pulling your credit at the initial consultation, and the this credit repair service is no different. This fee allows your consultant to review negative items on your report and decide which items should be disputed first.

However, the credit repair service does not have options for identity theft protection. Many people choose credit repair services for the added advantage of identity theft, but you will not receive this advantage with the Credit People.

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Pros and Cons


PROS:
  • Affordability is a top advantage for this credit repair company, as it offers some of the best prices you can find.

CONS:
  • You won’t receive a lot of quality education when you sign up for their services.


FINAL VERDICT– For anyone on a budget, the Credit People offers some of the best pricing you’ll find, but without some valuable services.

If can be difficult to start into the credit repair process, but working with a team like the Credit People can be beneficial. Anyone who has negative items on their score and wants to bring the number up will likely benefit from one of the top credit fixers, which includes this company. They have quality pricing and decent services, creating a relatively good value.

There is a clear lack of credit education from this company. Other credit cleaners offer education in various formats, including ebooks, videos, blogs, and more. Unfortunately, you won’t get this service from the Credit People.

You can, however, download your own copy of PDFs from their “Help Zone,” but there is no discussion feature available to inform you on different types of negative items. The PDFs are of a high quality and give plenty of information on credit and credit reporting, but there is a clear gap between education offered by this company and others.

Additionally, you will not be given an individual case advisor from the Credit People, which can be a significant drawback. Unlike other companies, you won’t be given an advisor or paralegal that can help you along the way. You can still improve your credit score, but it helps to have one person who is familiar with your case as a point of contact. Also, it can be frustrating to constantly go through the customer-service process.

The Credit People does not offer any special services or higher tiers of service, just the standard plan. However, if your husband or wife has bad credit, you can get a high-quality discount for signing up together. While the discount may not be extremely significant, the overall price of the credit fixer is already low. In fact, they have some of the lowest prices among credit repair companies.



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Benefits

  • The company also has monthly credit monitoring services, which can be important for tracking your score while you’re going through credit repair.


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Summary

Cost is an important factor in any decision, and the Credit People offer some of the lowest prices you can find. They deliver affordable credit repair at a fraction of the price for other services, although they have far fewer resources. All in all, they give you the important services without unnecessary but convenient features. If you are on a tight budget but need credit repair, this is a reliable option.

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Company Offer

TheCreditPeople.comTheCreditPeople.com

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FAQ’s

Importance of your credit score and how credit Credit Repair can help you.

With credit scores driving everything from interest rates to insurance premiums to job offers, a good credit score is possibly the biggest boost you can give your financial life. Good credit score could save you and your family thousands of dollars.

Can My Negative Items Be Removed?

You as a consumer have the right to question any items that you think are inaccurate, incomplete or misleading. You can also request the credit agencies to remove any outdated items. If the credit bureau can not verify, it must be removed from your credit report.

WHAT Does “ACCURATE” Mean?

Accurate means absolutely free of errors, and not inaccurate, incomplete, misleading unclear, ambiguous, or outdated.

What Means “VERIFIABLE?

Verifiable means that the creditor can verify the validity of the information reported. Any information that can not be verified must be removed from your credit report.

Who Decides What I Questionable?

You decide what is questionable and have the right to dispute it in accordance with Fair Credit Reporting Act.

Can Anything Be Done To Remove Accurate Items?

You can only dispute items identified as inaccurate, incomplete, or outstanding, but no consumer has the right to have accurate, current, and verifiable information removed from their Credit Report.
Credit Repair Services
8.9 Total Score
Credit People Review

Cost is an important factor in any decision, and the Credit People offer some of the lowest prices you can find. They deliver affordable credit repair at a fraction of the price for other services, although they have far fewer resources. All in all, they give you the important services without unnecessary but convenient features. If you are on a tight budget but need credit repair, this is a reliable option.

Services & Credit Education
8.4
Features
8.9
Customer Support
8.6
Price
9.6
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