PROS / This company has some of the most competitive prices in our review.
CONS / This service doesn't offer some of the program features we looked for, such as pay for delete negotiations.
VERDICT / We've ranked The Credit People as one of the best services in our review because of its low prices and multiple educational options.
The Credit People is a credit repair company that offers competitive prices, multiple educational materials and a credit repair team to help you improve your credit score. It also offers a money-back guarantee, pulls your credit reports for you and has helpful representatives. These features and more helped The Credit People earn our Top Ten Reviews Bronze Award.
Support & Service
We reached out to The Credit People on different days at various times to test its customer service. Its representatives were available via phone and provided accurate, consistent and transparent information. However, this company never did follow up with us via telephone or email after our initial inquiries. Furthermore, it never responded to our email inquiries.
Repairing your credit won't do much good if you keep the same habits that got you into trouble in the first place. That's why one of The Credit People's strengths is its supplemental education materials. Its website has credit and finance topics to help you learn about this industry so that you can feel more in control of your finances. It also provides an educational blog, though at the time of our review, it is not regularly updated. We also appreciated the guide on how credit scores are calculated, which can help you make good spending and charging decisions in the future.
Cost & Fees
This credit repair company has highly competitive rates. At the time of this review, the price per month was $59, with a setup fee of $19. Both of these prices are among the least expensive in our review. If you sign up as a couple for this service, each of you receives $20 off your first month's payment, for a total discount of $40.
The Credit People does not charge you a fee for pulling your credit report; that cost is covered in its setup fee. This company has no additional fees besides its monthly fee and setup fee, and it offers a money-back guarantee, which we counted as a plus as that demonstrates this company is willing to stand behinds its service.
As with any credit repair service, the time you spend working with The Credit People depends on the number of items you need to dispute, how long it takes the credit bureaus to respond to the disputes and other factors. (Keep in mind that credit bureaus and creditors are legally required to respond to disputes within 60 days after the dispute is filed.) According to company representatives, the average time clients spend working with The Credit People is six to seven months, though this will vary depending on your own situation and how many items you need to dispute.
Instead of having a one-size-fits-all approach, The Credit People reviews your credit report with you during a free consultation and together you craft a plan based on your credit report and what hits you feel are inaccurate. The number of items The Credit People disputes per month varies depending on the plan you create together. If your disputed hits are inaccurate or can't be proven by the creditors, you should expect to see results from the disputes within 45 days.
This credit repair service does not offer some of the program features of other top services. For instance, it does not offer monthly credit monitoring or identity theft protection, both of which can help you avoid needing a credit repair company. However, it does offer pay for delete negotiations, which is where the credit repair company negotiates with your creditors to reach an agreement where you pay the debt in return for the creditor removing the negative item with the bureaus.
The Credit People will work with your creditors depending on your plan, which can ensure that the negative items on your credit report are removed permanently instead of temporarily. There is no contract when you work with this credit repair company, so you can cancel your service at any time without any financial penalty.
Of the companies we evaluated, The Credit People is one of the best credit repair companies based on its competitive prices, educational options and the fact that it customizes its dispute-resolution process to fit your needs. However, it lacks some of the features we looked for in a credit repair company, and it was never responsive to our emails.