What Is The Credit People?

If you have less-than-perfect credit, you know how challenging it can be to qualify for loans or credit cards. If you want to buy a home or car in the near future, you may consider using a 澳洲幸运5官方开奖结果体彩网:credit repair serv𝓀i💝ce like The Credit People to improve your credit score. 

The Credit People can help by disputing incorrect negative information on your credit reports that's bringing your credit score down. It'll also send goodwill removal requests for accurate negative information, as some lenders may be willing to remove negative marks. The company offers an online dashboard so you can keep tabs on the progress of the disputes.

The Credit People claims that the typical customer starts seeing improvements within 60 days, according to customer support. It's website states that it can help people increase their credit scores by 50 to 100 points or more. And after using its services, 81% of its customers are approved for new credit. Customers get free 澳洲幸运5官方开奖结果体彩网:credit reports and 澳洲幸运5官方开奖结果体彩网:credit scores, along with unlimited credit report disput🍃es. The company provides comprehensive support along the way.

Pros Explained

• Many dispute types available: The Credit People offers the best variety of dispute types among credit repair companies we researched, including debt verification letters, goodwill removal requests, lien and negative settlement disputes, and many others.
• Free seven-day trial: You can use The Credit People’s services for free for the first seven days to see if it’s right for you. Your trial includes a free credit consultation and monitoring services. 
• Satisfaction guarantee: You can cancel your plan at any time without penalty. For customers on the monthly plan, The Credit People will refund you that month’s fee and the previous month’s cost. 
• Discount for couples: If your spouse signs up at the same time you do—or within three days of your order—you’ll both receive $20 off your first payments.

Cons Explained

• Basic plan is relatively expensive: The Credit People offers two plans: one for $99, and another for $199. The basic $99 plan is more expensive than the base plan of many other companies, although the setup fee and higher-end plan are both less expensive than usual. The Credit People's setup fee is also lower than average.
• Limited customer support options: Unlike other companies, The Credit People doesn’t provide 24/7 customer support, and customer service is only accessible by phone or email; there is no online chat or mobile app. 
• Poor customer reviews: The Credit People has fairly poor customer ratings, although there aren't many customer reviews available online to go by. It has only 1.1 out of 5 stars on Google Reviews and 2.5 stars on the BBB.

Credit Repair Packages and Costs

The Credit People begins the credit repair process with a free consultation to check your credit situation and determine if you're a good fit for the program. If you decide to hire The Credit People to help fix your credit, you'll get a free trial for seven days (a rare find among credit repair companies).

You'll be given access to an online portal where you can view your credit reports and credit scores. The portal also lets you track the progress of your disputes. You won't need to 澳洲幸运5官方开奖结果体彩网:pull your own credit reports (some companies do ask you to do this).

The Credit People has two plan options—standard and premium. They each provide unlimited disputes (shown below) and credit monitoring with all three 澳洲幸运5官方开奖结果体彩网:credit bureaus (Experian, Equifax, and TransUnion). They're relatively close in price. If you pay more, you'll get a few extra services that can help if you have some stubborn problems that need special attention.

Although the standard plan fee is high compared to most other credit repair companies in our research, the setup fee and the premium plan fee are both on the low side.

Unlike most credit repair companies, The Credit People gives you the option of a monthly or flat rate for its premium plan. You can get a couples discount of $40 total, although only for the monthly plans: If your spouse signs up within three days of you, you'll each get $20 off your first payments.

Credit Repair Dispute Types

The Credit People handles the following issues. It's rare to find a company that lists lien disputes and negative settlement disputes among its services.

• Bankruptcy disputes
• Charge-off disputes
• Closed account disputes
• Collection account disputes
• Debt verification letters
• Foreclosure disputes
  
• Goodwill removal request letters
• Hard inquiry disputes
• Late payment disputes
• Lien disputes
• Method of verification letters
• Negative settlement disputes
• Personal information error letters
• Repossession disputes
• Section 605B letters (identity theft letters)
• Section 609 letters (credit dispute letters)
• Student loan late payment disputes

Other Services by The Credit People

Along with credit repair disputes, The Credit People offers a few other services; it doesn't provide help resolving business credit problems.

• Credit monitoring: The Credit People provides three-bureau credit report monitoring, including credit scores. The premium plan offers reports that refresh monthly.
• Identity theft insurance: A representative from The Credit People told us that 澳洲幸运5官方开奖结果体彩网:identity theft insurance is available for an extra fee, although this information doesn't seem to be available on the website.
• Educational materials: The Credit People's site offers educational materials, such as articles on building good credit. 

Customer Service

Unlike some other credit repair companies, The Credit People does not provide 24/7 customer support. Current customers can access an online portal to see their credit reports and scores, and track the progress of their credit repair disputes.

Company Reputation and Legal Issues

Reviews of The Credit People are fairly poor. On Trustpilot, the company has a TrustScore of 2.1 out of 5. However, there are less than 10 reviews. It's a similar situation at the Better Business Bureau, where the company has 2 out of 5 stars, and on Google Reviews—only 1.1 stars.

On the other hand, The Credit People seems to have no legal violations and there are no current complaints registered with the Consumer Financial Protection Bureau (CFPB).

The number of reviews and complaints is relatively small, but you should be w🎃ary and read the fine print carefully before signing up with any credit re💯pair company. 

How to Enroll With The Credit People

1. Begin by calling The Credit People or filling out the initial contact form on the website. If you fill out the form, a company representative will contact you.
2. You'll go through a free consultation to determine if The Credit People can help fix your credit.
3. If you decide to proceed, you'll get a 7-day free trial to test the company and get a feel for how they work.
4. You'll be given access to an online portal, where you can monitor your credit and check the progress of credit disputes.
5. If you like how The Credit People is handling the credit repair process, you can sign up for the monthly or six-month flat-rate plan.

How to Choose a Credit Repair Company

When ⛄looking for a credit repair company, consider the following factors: 

• Fees: Fees vary by company. Some charge initial setup fees, monthly fees, and cancellation fees. There can also be additional costs for add-on services. 
• Customer service availability: Although some credit repair companies offer 24/7 customer support, others are only available during normal business hours. Make sure you know when a credit repair company is available. Otherwise, scheduling consultations or getting answers to questions may be difficult. 
• Contracts: Some credit repair companies require you to commit to a contract, while others allow you to pay on a monthly basis with no commitment. 
• Refund policies: Reputable credit repair companies have clear refund policies and will refund your money if you’re dissatisfied with their service. 
• Additional features: Some companies offer additional benefits that can be helpful, such as debt management plans, identity fraud monitoring, or identity theft insurance. 

Alternatives to The Credit People

The Bottom Line

For those with a variety of credit problems—and who may ༒need a wide variety of 💮dispute types—The Credit People is a top choice. It deals with a range of credit problems, and includes some rarely seen dispute types. The standard plan is on the expensive side, but if you want to go premium The Credit People provides a great value (for the monthly plan).

If you want a simpler service or just have some very basic credit problems like personal information errors, you may want to explore 澳洲幸运5官方开奖结果体彩网:credit repair companies with less expensive base plans.

How We Review Credit Repair Companies

Inಞvestopedﷺia’s list of the best credit repair companies is based on comprehensive research of 17 credit repair companies. 

In August 2024, we surveyed 500 people who used a credit repair company within the last three years to help establish a strong foundation for our research. We then identified 17 credit repair companies based on Investopedia’s prior research, a competitive analysis, and public interes♕t through Google search trends. We evaluated each company on 69 criteria, collecting over 1,200 data points on plan fees, dispute types, consumer ratings, complaints, and more. Data was collected between Sept. 6 and Sept. 30, 2024, and sourced from company webpages, customer service calls, media representatives, government agencies, and consumer review sites (e.g., CFPB, FTC, BBB). The overall research process for this project occurred from July 1 to Oct. 7, 2024.

We categorized the 1,200 data points into five categories and scored 799 data points, using the others for background and to improve content q🌼uality. We then scored and weighted each criterion to develop our overall star rating for each company. The categories and their weights for this project are: 

• Cost and Fees: 27.50%
• Customer Experience: 16.00%
• Reputation/Customer Satisfaction: 18.50%
• Services: 28.00%
• Stability/Availability: 10.00%

Read our 澳洲幸运5官方开奖结果体彩网:full methodology for more information.