The Credit People

8.8 our score
Credit People Website
  • $19 Setup Fee
  • No Monthly Fees – 3 $99 Payments
  • Free Credit Reports and Scores
  • In Business Since 2001
  • Served Over 100,000 Clients

The Credit People Review

The Credit People have served more than 100,000 people since the company began offering its credit repair services to the public in 2001. They are well regarded by many financial news entities and the Better Business Bureau. They are one of the more affordable credit repair companies by virtue of their flat rate pricing structure, free credit reports, and low setup fee.

What They Offer

The Credit People have a business philosophy that they call Score Driven Results. They do what most credit repair companies do but make the extra effort to help raise their clients’ credit scores in more ways than just disputing and removing items from credit reports.

  • They will intervene on your behalf in situations in which the client must pass a credit check, such as housing applications and new employment.
  • They will update the client on the status of their credit score.
  • They will write referral letters for their clients.
  • They offer around the clock access to the client’s credit repair information.
  • They provide support in order to answer questions the client may have.

What It Costs

The Credit People take a different approach to pricing than the majority of competing credit repair companies. They have a flat rate and no hidden fees. Here is a breakdown of what their service costs:

  • There is a $19 fee that is assessed at the beginning. This covers the setup of the account.
  • There are 3 payments of $99 that covers the cost of the service.
  • The retrieval of credit reports from all three credit bureaus is free.
  • The retrieval of credit scores from all three credit bureaus is also free.

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7 score
Earnestine boggan
/ June 12, 2014 11:29 am
I'm interested in working on my credit give me a call
10 score
Glenn Hudson
/ May 18, 2014 10:49 am
Excellent service and constantly at work for you. Will do just what they say. It takes time but we must remember it took time for us to create our bad credit. No complaints.
angela
/ July 27, 2013 4:30 pm
I achieved amazing results with The Credit People's credit repair service. I was skeptical initially, but after they raised my score over a hundred points I was able to obtain a mortgage on a new home with no previous rental history. I would highly recommend their service to anyone looking to boost their credit score.
Niko
/ July 1, 2013 7:25 pm
I am about 6 months into the service and I am very satisfied with The Credit People. So far they have repaired or deleted 8 out of the 16 negatives that I had on my Equifax credit report. The repair success has not been as successful with Experian or TransUnion yet but they are still working on them and repairs happen at different times for different reports. I would say that this is the best money I've ever spent!
Christina
/ January 18, 2013 10:39 pm
I know people always take the time to complain, but never take the time to give some good feedback, which is why I was so happy with this company, I wanted to let everyone know! These guys made everything so easy. I had been stressing about my credit score and how to find the time to work on it myself forever... Finally I just crossed my fingers, called up The Credit People, and left it in their hands. It was seriously as easy as they made it sound and I can't say enough good things about my experience. Highly recommended! :)
Ryan
/ July 19, 2012 11:29 am
This is my first time using a credit repair company. I had heard good things about The Credit People so I finally decided to take my chance with them and I'm glad I did! Great service! I highly recommend them!
Virginia
/ September 29, 2011 5:02 pm
This does work! I know i was around 640 and i jumped to 674 in three months...i am very happy about this. It only gets better from here I know. They have been very prudent about staying on top of my reports and helpful throughout. I have recommended this company to family and friends.
Scott
/ February 3, 2011 1:00 am
I used this company about 8 months ago. At the beginning of the 6 month process my credit score was only a 519 and by the end of the process it had jumped up to a 603. In my opinion a very respectable jump in points in just a 6 month span. I would recommend this service to anyone looking to boost their credit score but are to lazy to do any of the work involved in raising it. You don't even have to pull your credit report, they do it for you. A+ in my book.
Melissa
/ December 17, 2010 3:15 pm
I cannot tell you how happy I am with The Credit People. I half expected this to be a scam and to be honest my expectations were very low. Between their service and my commitment to becoming credit worthy by exercising my credit in a healthy manner I am now sitting with a 758 credit score. This is up from 575! Thanks!
Ronnie
/ November 9, 2010 11:34 am
I just wanted to thank The Credit People for what they have done for my credit scores. This service is certainly worth every cent that I spent on it. I have seen all three of my scores/reports increase by substantial margins. Wow! I was able to secure the loan I was hoping for when I first considered your service. The only reason I was able to get that much needed approval was due to the hard work by your team. Thanks again!