The Credit People: A reputable credit repair company or scam?

scrabble letters good credit

If you’ve got poor credit, you know that good credit would make your life easier. You know you need to take steps to fix your credit. For some people, fixing their credit involves working with a credit repair company. One legitimate credit repair company, The Credit People, has helped more than 100,000 people improve their credit since 2001.

The Credit People aren’t magicians. They use tested practices to remove negative items from your credit report. They offer their services at a fair price. But before you enlist their services, this is what you should know about The Credit People.

Credit Repair Always Starts with You

If you’re on a mission to repair your credit, you must start by working on your own credit behavior first. When you’re fixing your credit, your top priority should be paying all your lines of credit on time each month. Once you have that taken care of, you should focus on paying down credit card debt. When you do those two things, your credit score will start to improve.

But if you have many items in collections, you may want to hurry the process of improving your credit score. That’s where The Credit People come in. They work to remove negative items from your credit report, so your credit can recover faster.

What The Credit People Offer

The Credit People has a team of Credit Repair Specialists who work to find unsubstantiated information on your credit report. Once they find credit weak spots, they dispute the information with banks and credit bureaus. Following a valid dispute, credit reporting agencies remove the information from your report.

The tactics that this team uses aren’t magic. They simply have experience and knowledge that most people don’t have. If you’re willing to put in the time, you can repair your credit on your own.

You can learn more about analyzing your credit report here. We also offer detailed guides on how to remove negative information from your credit report.

If you don’t care to learn about credit repair on your own, you may want to enlist the help of The Credit People.

The Credit People’s Pricing

One area where shines is in their clear pricing structure. Unlike many credit repair companies, The Credit People has no hidden fees.

You can choose a monthly pricing plan or a six month package plan. The monthly plan costs $19 for the first seven days, and then $59 per month afterwards. The six month package plan costs $299.

For most people the six month package plan makes the most sense for two reasons. First, the process of removing unsubstantiated information from your credit report can take up to six months. The six month package is $75 cheaper than paying month to month for six months.

Second, The Credit People offer a satisfaction guarantee. If you choose the monthly plan, you will pay for at least 3-4 months before you can evaluate whether or not The Credit People are doing satisfactory work on your behalf. If they aren’t, they only guarantee that they will refund your last month of payment. If you choose the six month package, they will refund the entire $299 at any point in the process.

Is The Credit People repair company a scam?

The Credit People is not a scam. They use legal and tested practices to remove negative information from your credit report. However, some customers have had poor experiences with The Credit People.

The most common complaint is connected to The Credit People’s billing packages. If you choose the monthly payment plan, you must call The Credit People to cancel your service. Some customers have complained that it’s difficult to get in touch with customer service representatives.

A less common complaint is that The Credit People is slower than other credit repair companies. The Credit People still rely heavily on mailing documents to and from their clients. As a result, most real actions take at least a week or two to start.

Finally, some customers complain about The Credit People’s tactics. The Credit People work with banks, collection agencies and the credit bureaus to fix your credit. Working with banks can be a risk for customers who have delinquent items that aren’t yet in collections. Banks that realize that their customers will not pay may move the account to collections when they hear from the Credit People. This will actually hurt your credit score rather than improve it.

Does it work?

Credit repair services provided by The Credit People seem to work a little bit for most customers and a ton for others. In fact, some customers claim their credit score rose from 580 to the 760 range.

Customers who are taking the right steps to recover from credit missteps will see the best results from working with The Credit People. The Credit People can’t help you pay your bills on time. They can’t help you pay down your credit card debt. However, they can help you remove negative items from your credit report.

In most cases, The Credit People can help you recover from bad credit a few months faster than you could recover on your own. If you can pay for their services, and you’re starting to take the right actions to improve your credit, then consider working with The Credit People.