The Credit People Review | Is it an easy solution to fix your credit consulting?

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We often try to do multi-tasking together to value our time because we want to appreciate and use our time; meanwhile, we need to finish all our work together. Most of us get confused or find it challenging to balance work and all kinds of credit-fixing criteria. Some of us might go for better qualified credit repair solutions or use several apps to fix credit. If we need to get approval loans for a house or need financial business solutions or a corporate banking solution now, we can stop looking here and there and wasting our valuable time. Your credit could be fixed on your own. You could learn more about how credit scores are calculated, how the reporting process works, what factors on your report are having the most significant impact on your score, all the laws, whether you should contact your creditors or the credit reporting agencies, how to get them all, and how to send them documentation back and forth constantly. You might work with The Credit People to handle everything for you swiftly, effortlessly, and simply! First, let us learn how to select a credit repair company to fix your credit consulting. However, using the credit people service, you can quickly fix your credit consulting.

How to pick a credit repair company? – Fix your credit consulting

When looking for a credit repair company, the following factors should be considered:


Each company has a different set of payments. Some impose one-time setup costs, ongoing charges, and termination fees. Additional fees may also apply for add-on services.


While some credit repair businesses demand that you sign a contract, others let you pay on a monthly basis without making any commitments.

Refund Procedures

Reputable credit repair businesses have transparent reimbursement procedures in place, and they'll refund your money if you're not satisfied with their work.

Customer Service Available or Not

Although some credit repair businesses provide customer service around-the-clock, others are only open during regular work hours. Make sure you are aware of the hours that a credit repair company is open, primarily if you work late shifts. If not, it could be challenging to arrange consultations or obtain information.


Some businesses provide extra advantages that may be beneficial, such as debt management programs, identity fraud monitoring, or identity theft insurance.

What is The Credit People? – Fix your credit consulting

The Credit People was established in 2001 to give persons with poor credit situations hope and let them know that better credit is on the horizon. According to the Credit People reviews, they have years of experience in credit repair and have assisted many people in improving their credit scores. If you are using the best app to fix credit, forget it and give focus on the benefits of personal loans and other great deals by using the credit people service and fix your credit consulting.

According to the credit people reviews, everything it does is focused on giving current and prospective customers with poor credit the best service possible with incomparable advantages. You can learn how many business bank accounts can you have if you want several accounts for different purposes. You can learn the benefits of small business loans, how to fix business credit and everything here. The perfect solution is here to guide you to lead the perfect path to happiness where you won't have to deal with credit fixings.

Extra Deal

These advantages include a free credit report and credit score summary, a free credit consultation, and lesser fees. The majority of clients "get benefits within the first 45-60 days" of service, according to the official website.

Why to Use The Credit People Service? – Fix your credit consulting

You already know how difficult it may be to get auto approve loans or credit cards if you have less-than-perfect credit. You might consider employing a credit restoration agency like The Credit People to raise your if you're planning to buy a house or a big car, check your credit score. According to The Credit People reviews, customers can raise their credit ratings by as much as 187 points. And 81% of its clients who use its services are approved for new credit. Customers can obtain free credit reports, free credit scores, unlimited credit report disputes, and other benefits through its plans. Additionally, The Credit People offers comprehensive support every step of the way. They support financial business solutions; they can also fix credit in 30 days.

What are the features of The Credit People Company?

The Credit People provide the following features:

Free credit repair consultation

After enrolling, a representative will call you to talk about your credit reports and credit score. Credit monitoring is possible through your online account (the credit people log in system).

Money-back guarantee

If you aren't happy, you can cancel at any moment and get a refund of both the current month's fee and the monthly payment. On The Credit People's website, you can get instructional tools like articles on establishing good credit.

How Does the Credit People Work? - Fix your credit consulting

With credit report repair, you enter the fray and make a list of every action that has been made concerning your credit. People had no rights about their credit reports until the 1970s, and you had no access to your credit history and no legal standing to challenge inaccurate information. Consumers who asked for credit were denied and had no way of knowing why—or even if it was an error—were in a terrible predicament. This is the rationale for passing the Fair Credit Reporting Act (FCRA).

In addition to other safeguards, it grants you a number of significant rights about your credit report. Due to the FCRA and other consumer protection rules, we can now review your credit, rectify any information that appears to have been reported unfairly, improve any factors that are negatively affecting your score, and assist you in improving your credit.

Credit Restoration Method

The argument in favor of credit repair is compelling. And The Credit People are the best equipped to fix your credit and raise your credit score. The Credit People offer their consumer's free access to all three credit reports and ratings from the credit agencies. The company's credit restoration method also emphasizes ensuring clients receive the most significant credit score improvement possible. Clients usually have a team of three or fewer persons working on their credit. However, the business will offer individualized service upon request from customers.

What type of services do The Credit People provide? – Fix your credit consulting

You can raise your credit score by using The Credit People's credit restoration services. Customers reportedly raise their scores by 53 to 187 points on average, though individual outcomes may vary. Customers can typically anticipate results within 60 days. The Credit People offer the following services to fix your credit consulting.

Credit Report Disputes

The Credit People will contest any inaccuracies on your credit reports, such as accounts that you do not own or accounts that are in default but that you have fully paid. These problems will be eliminated from your credit reports if the business is successful.

Late Payment Issues

The Credit People will work with your creditors to have any late payments that have been recorded to the credit bureaus removed. The business claims it frequently succeeds even if your income is 30 to 120 days overdue.

Ongoing Credit Reports allows you to obtain your credit reports independently; however, you can typically only obtain one report per year from each bureau. With The Credit People, you can regularly examine your credit reports from all three major credit agencies.

Debt Validation

The Credit People will work on your behalf to issue debt validation letters to confirm that the outstanding debt reported on your credit reports is actually yours.

Optional Add-Ons

Unlike some businesses, The Credit People does not provide optional add-ons like identity theft insurance or company credit improvement.

Member Resources – Fix your credit consulting

Members have access to their clients' online accounts at all times, which is a valuable resource. For current and new clients to learn more about credit repair services and the factors that affect their credit scores, such as student loans, late payments, credit card debt, and other debt, there is also a blog, educational material, and answers to commonly asked questions. The Credit People also discusses other facts concerning credit that clients should be aware of (FICO score, credit card usage, the interest-free grace period, credit unions, etc.) They will also discuss how to fix business credit if needed and financial business solutions. You will easily understand the benefits of personal loans and everything under their service. Once you start using the credit people system, you do not need any fix credit app. This has been the better qualified credit repair service.

Pros and Cons of The Credit People – Fix your credit consulting

The Credit People has a few pros and cons to be noticed.


  • Free trial for seven days: You may test out The Credit People's services for the first seven days at no cost to discover whether they're right for you. Free credit counseling and monitoring services are included in your trial.

  • Guaranteed satisfaction: You are free to revoke your plan at any time without incurring fees. The Credit People will reimburse the current month's and previous month's fees for customers on the monthly plan.


  • Flat rate plan: A monthly option and a flat-rate plan are the two options provided by The Credit People. The flat-rate plan has a one-time cost of $419 and offers no extra services or advantages. The costly flat-rate plan is unneeded for the majority of users.

  • There are a few alternatives for customer care: Unlike some businesses, The Credit People solely offers phone and email customer service; there is no online chat feature or mobile app.

  • There are no available add-on extras: The Credit People only provides one basic suite of products; there are no optional add-ons, unlike some businesses that offer extra features like identity theft insurance.

The Credit People Membership – Fix your credit consulting

The Credit People provide two types of membership plans: a fixed-cost membership and a monthly membership. Unlimited disputes, 24/7 account access, creditor communication, toll-free customer service, and other benefits are all included with each subscription. It's always essential for customers to understand that the credit repair business gives a service discount just for couples. The Credit People offer a credit repair service discount for couples who could benefit from having higher credit, in addition to lower prices and a free credit consultation. To qualify for this price, one member of the marriage must sign up for credit repair services; they can then sign up for their spouse either right away or up to three days after their order is finished. Once the couple has both joined up, they will both receive $20 off of their initial credit repair payments.

The Credit People Pricing System

When customers join The Credit People's credit restoration services, they can get an unlimited number of disputes, debt validation, and inquiry validation services. The Credit People also provide all clients with a free credit consultation, just like the majority of other businesses in the credit restoration sector. Additionally, the company offers customers an online dashboard where they can get real-time credit changes.

Ultimate Setup Cost

Clients of The Credit People pay a $19 setup fee in addition to a monthly fee. While this setup price is reasonably modest, several other credit repair businesses don't charge a setup fee for their clients. However, the Credit People's monthly/six-month rates are reasonable.

The Credit People Cost

A free seven-day trial is available from The Credit People. If you choose to subscribe after the trial period has ended, you have two choices: Potential customers have two payment options: a fixed charge of $419 for a full six-month premium credit repair program or a monthly payment of $79 for credit restoration services. This is less expensive than many other credits repair businesses. The Credit People will do a lot of things for these charges, including working to challenge some untrue or invalid insufficient entries on customers' credit reports, keeping each client informed about the credit repair procedure, inspiring clients to preserve their credit history, and better.

Any hidden charges?

The Credit People claims to be very open and honest when it comes to assisting clients in achieving a level of good credit. After all, this system is here to fix your credit consulting without causing any hassle to you. Hence, customers can use the company's services for a monthly price of $79, and the company's pricing information for credit repair is also available on their website. The company's credit restoration service is not subject to additional costs or hidden fees.

Any premium package options?

There are no premium packages or extra services offered by the business for customers to select from. The Credit People, on the other hand, only provides one credit restoration program with the choice of two different payment plans ($79 per month or $419 for six months). Potential clients may have additional restrictions as a result of the company's absence of a credit restoration packages and service options. For instance, a lot of other businesses in the sector might provide plan choices with extra services, customized plans, etc.

Limited Options for Payment

The Credit People do not use the "pay-per-deletion" pricing strategy, in contrast to several other businesses in the credit restoration sector. The company has both a monthly and a six-month payment schedule. However, they do offer a satisfaction guarantee to all customers, which gives them some latitude in terms of pricing.

Refund Policy

A 60-day, 100 percent satisfaction guarantee is provided by The Credit People. According to the business, customers will never pay for anything they are dissatisfied with. Customers have the freedom to discontinue their monthly subscription with The Credit People at any time.


The Credit People offers a 60-day, 100% satisfaction guarantee and very reasonable credit restoration services. Couples can also take advantage of the business' credit restoration service discount to lower their monthly payments. Customers of the credit repair service have a choice between two alternative credit repair membership options: the flat rate membership option and the monthly membership option. Each subscription offers limitless disputes, score-driven results, creditor communication, 24/7 account access, and more.

All website visitors get access to The Credit People's online credit resource center, comprehensive online FAQ page, and more. These materials are available to clients who want to learn more about credit repair, credit scores, credit reports, and other topics. The credit people also provide a variety of other online resource formats, such as infographics, videos, and articles.

The Credit People demonstrate that they are a trustworthy credit repair business and that they provide top-notch credit repair services with a significant number of positive client testimonials, as well as by placing a strong emphasis on each client's credit history and good credit habits, offering a free credit consultation, and having no hidden fees.

However, many customers have previously reported encountering sluggish negative item removal timeframes. It's crucial to remember that each client's credit accounts and circumstances are unique. Therefore, some clients may experience improvements more quickly than others. According to the company's website, the majority of clients who use its services "get results within the first 45-60 days." We suggest The Credit People because of their extensive expertise and their trustworthy credit repair services. You won't need to worry about contacting creditors if you choose The Credit People to repair your credit because your designated credit specialist will take care of everything for you.


Who is able to access my credit reports?

Your information is safe and private since only our credit service specialists can access your credit reports.

Will my scores be visible if I sign up?

We will update your credit and ratings in your online account within the first week.

How long would it take for my credit to be repaired?

The amount of time needed to repair your credit varies depending on the specific circumstances. In the first 45 to 60 days, the majority of our customers see credit responses.

How can bad credit be repaired?

We examine your credit report to identify any issues and potential improvements. We immediately set to work on both, disputing any dubious information on your credit report and taking care of the issues we think will improve your credit score.

How will I know if the service is effective?

Easy! You will see items that have been modified, updated, or eliminated each time you receive updated credit reports throughout your subscription. A change or update to an item typically indicates that the account has been made better (such as adding a late history). A negative item has been removed from your credit history if an account has been completely deleted from your credit report.

Can I get my credit report of bankruptcy cleaned up?

We typically advise our clients not to anticipate having their bankruptcy discharged. Bankruptcies are public records; if they are still under seven years old, they generally are the hardest to get rid of. According to the credit people reviews, our solution has a well-known 30% success rate in getting rid of them.

Can late fees be spared?

Yes, our dispute resolution procedures have successfully eliminated payments that are overdue by 30, 60, 90, or 120 days. Over any other negative factor, we observe more late payments being withdrawn.

What is the price of your service?

Just $79 per month! Start your service right away for $19. You will receive a welcome call and be given access to a secure online account where you can track our progress. After you sign up and log into your account, you will see your credit reports and scores, and we'll start working for you right away. If you decide to keep using the service after the first week, you will be charged $79 a month.

About the Author

VIOLET is a full-time content writer at Viral Products Exchange. She pursued her major in English Literature and Linguistics. She has also completed English for HEALTHCARE courses from King's College London during the pandemic! She has been writing content for a long time!