The Credit People: Your Credit's Superheroes

About the Company

The Credit People, headquartered in Cottonwood Heights, Utah, was founded in 2001 to help individuals navigate the complex world of credit repair and achieve better financial health. They aim to address various credit issues by offering comprehensive services, including report analysis, dispute services, score tracking, and personalized financial advice.

They distinguish themselves with some of the lowest fees in the industry, 24/7 account access, and an unbeatable satisfaction guarantee. With a strong focus on customer experience, The Credit People pride themselves on exceptional service and have a dedicated team of credit experts to assist clients throughout their journey. 

Over the past two decades, they have helped thousands improve their credit scores, leading to better loan terms, lower interest rates, and greater financial opportunities. Their commitment to innovation and service excellence ensures they continue to meet the evolving needs of their clients, maintaining their mission of providing accessible, effective, and affordable credit repair solutions for financial health and stability.

This provider has Fair Credit Reporting Act (FCRA) team-certified agents trained in credit repair laws. After subscribing to one of their plans, they will give you access to your credit reports and simultaneously start fixing your credit.

The Credit People offers a customer satisfaction guarantee and promises results in less than 60 days within the first months of service. Their results highlight 78% customer eligibility for auto loans, 71% for home loans, 81% for new credit, and finally, 74% approval for refinancing. In addition, their Unbeatable Satisfaction Guarantee allows you to cancel your monthly plan and get a refund for the last month if you have not received any results.

What Services Do They Offer?

The company will provide you with educational resources to help you improve your credit score. You can also review your reports, and you will have 24-hour access to see any updates your creditors are seeing on your reports at no extra charge.

Then, they will start cleaning up the errors in your reports that have damaged your score. Finally, when any change occurs on your credit reports, you will be alerted to it.

They also assist in removing various penalties from your credit reports, including late payments, identity theft or fraud, collections, repossessions, charge-offs, student loan issues, tax liens, judgments, and bankruptcies.

Below is a brief overview of the best features and services offered by the provider:

24/7 account access
Clients have secure online access to their accounts 24 hours a day, 7 days a week. This allows them to monitor their repair progress, view updated credit reports and scores, and communicate with the company's representatives anytime.

Credit reports and scores
The company obtains clients' credit reports and scores from credit bureaus such as Experian, Equifax, and TransUnion at no additional cost at the start of the service. This gives clients a clear baseline against which to track improvements over time.

Score-Driven Results®
Beyond removing negative items, the provider focuses on actively raising clients' credit scores through various strategies, not just traditional credit disputes. This "score-driven" approach aims to maximize score increases.

Unbeatable Satisfaction Guarantee®
They offer an industry-leading satisfaction guarantee. Clients can cancel anytime and receive a refund for the current month's fee and the previous month, ensuring a risk-free experience. This is only applicable to monthly membership.

Unlimited disputes
Unlike some competitors who limit the number of disputes they file within a dispute cycle, this company will dispute an unlimited number of inaccurate or unverifiable items on your reports.

Creditor communication
They will directly communicate with creditors on the client's behalf to resolve issues, validate debts, and request the removal of negative items.

Debt validation
The company will validate any questionable debts reported on the client's credit and work to have them removed if they cannot be verified.

Inquiry validation
The provider will also validate any unauthorized hard inquiries on the client's credit reports and work to have them removed.

Certified FCRA experts
The company's representatives are certified in the FCRA, ensuring compliance with all relevant laws and regulations.

Help beyond credit reports
They provide additional support services, such as assistance with credit checks for employment or housing applications, and help obtain updated reports if the bureaus fail to provide them.

Plans & Pricing

The Credit People provides three primary plan options for varying credit repair needs. The Standard Plan costs $99 per month plus a $19 initial setup fee and offers unlimited disputes across all three major credit bureaus, along with before-and-after credit score snapshots.

For more comprehensive features, the Premium Plan is available at $119 per month, with a $19 setup fee. This plan includes all Standard Plan features, monthly credit reports, scores, creditor interventions, and escalated disputes and validations.

For those seeking a fixed-term solution, the Premium Flat Rate Plan offers six months of service for $599, with the same setup fee. This plan mirrors the Premium Plan benefits, providing a cost-effective option at approximately $99 per month compared to the monthly Premium Plan rate.

All plans include a satisfaction guarantee, allowing cancellation at any time with a refund for the current month if unsatisfied. Additionally, the company offers a couples discount, granting each spouse a $20 discount on their initial payment when both sign up within three days. It's an important reminder that both advantages only apply to monthly subscribers.

Advantages & Disadvantages

Advantages

• Free consultation: Free consultation is part of their services. This allows potential customers to discuss their credit issues with experts and understand how The Credit People can help them improve their credit scores. This consultation is included in the free seven-day trial period, including credit monitoring services
• Live customer support: Live customer support is offered through phone and email. This ensures that customers can get immediate assistance with any questions or issues regarding their credit repair process. The company is available by phone and also provides an email address for customers to reach out with their queries
• Credit monitoring: While they do not offer identity or account alerts, they provide credit monitoring services during their free trial period. This helps customers keep track of their credit reports and scores, which is crucial for maintaining good credit health
• Money-back guarantee: Offers a 100% money-back guarantee, providing customers with a safety net if unsatisfied with the services. This guarantee ensures that customers can cancel their membership at any time and receive a full refund if they do not see the desired results

Drawbacks

• Cancellation policy complexity: While they offer a money-back guarantee, navigating the cancellation process with The Credit People may involve some complexity, as reported by customers. Customers might encounter challenges in promptly canceling their memberships and receiving refunds, especially if they do not see the expected improvements in their credit scores
• Lack of transparency states of coverage: They do not specify which states they cover or their service availability across different regions. This lack of transparency can be frustrating for potential customers trying to determine if their services are accessible in their area

Customer Reviews

The Credit People has helped over one hundred thousand people with their credit problems and promises an estimated credit score increase of 53–187. Some customer reviews have reported an over-200-point increase. 

However, they have a mix of reviews online through trusted platforms, most of which are negative. The Better Business Bureau (BBB) does not accredit them and gave them a C+ rating; their profile on the BBB has a 2.42 out of 5-star rating based on 19 customer reviews. On Trustpilot, they have a 2.3 rating out of 5 based on 7 reviews.

Positive feedback

Customers appreciate the company's thorough credit repair services and exceptional customer support. They highlight the knowledgeable team members who provide personalized advice and guidance throughout the credit repair process. Clients often mention significant improvements in their credit scores, attributing this success to the effective strategies and dedicated assistance offered. 

Customers also highlight the provider's ability to dispute inaccuracies and old debts effectively, which helps the customers remove negative items from their reports. Finally, Customers appreciate the company's transparent pricing and easy-to-use online portal, which provides constant access to credit reports and scores.

Critical feedback

Despite some positive reviews, The Credit People has faced occasional criticism regarding communication delays and the clarity of their terms and conditions. There have been instances where customers feel that their customer service is unresponsive or does not provide adequate support. This can lead to frustration and a sense of being left to manage the credit repair process alone. Some customers have reported challenges in understanding refund policies and experiencing delays in customer service responses. Other customers have expressed dissatisfaction with the service, particularly if they do not see progress within three months or experience a decrease in their credit scores.

Complaints about the refund policies have been received, with some customers feeling that the company's refund process is not clear or fair. These issues have highlighted opportunities for The Credit People to improve communication channels and enhance transparency in their service offerings.

Proactive approach

This company has implemented proactive measures to enhance customer satisfaction in response to customer feedback. They have focused on improving response times, clarifying policies, and ensuring customers are well-informed about their credit repair journey. By addressing these areas, The Credit People aims to strengthen trust and satisfaction among their client base while delivering effective credit repair solutions.

Customer Service

They offer a free consultation by phone or email. You can reach their team by phone at 866-382-3410 or by email at Questions@thecreditpeople.com. Their website also provides free resources, such as helpful FAQs and a Help Zone. The Help Zone offers a credit resource center and secrets for great credit.

Final Thoughts

Selecting a provider that aligns with your needs and expectations is crucial in the credit repair industry. The Credit People offer competitive pricing, 24/7 account access, and a robust satisfaction guarantee, setting a standard for service reliability in the industry. Their services encompass credit report analysis, dispute resolution, score tracking, and personalized financial advice, supported by a team of certified experts from the FCRA.

Over their two decades of tenure, they have assisted numerous clients in achieving better financial outcomes through credit score improvements. Whether you're dealing with specific credit penalties or aiming for overall credit health enhancement, their dedication to customer service and compliance with credit repair regulations make them a viable choice for consumers looking to navigate credit challenges effectively.

For the best credit repair companies, visit our website and read our reviews. Our blog posts offer a wealth of information about the industry and how to navigate it. Our comparison tool will help you compare different companies before you make your final decision.

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