The Credit People

8.8 our score

Last Updated: July 2016

The Credit People
Call Now for a FREE Consultation!
(866) 875-1478
  • 3 Payments of $99 – $19 Setup Fee
  • In Business Since 2001
  • A+ BBB Rating
  • Free Credit Reports and Scores
  • Served Over 100,000 Clients
  • Risk Free Guarantee

The Credit People Review

Since they began in 2001, The Credit People have helped over 100,000 clients fix their financial situations with credit repair services. They’ve had positive exposure through financial news outlets and are well rated by the Better Business Bureau. They offer free credit reports, a flat rate fee, and low startup costs, all of which make this company a favorite for many.

What They Offer

Using Score Driven Results, The Credit People help customers beyond simple disputes and deletions. They go the distance to help get credit scores up for their customers and they use a variety of tactics to make this happen. Here are some of them:

  • Get intervention help if you need to pass a credit check to find a new housing situation or a new job.
  • Get regular updates on your credit score.
  • Receive letters of reference.
  • Access your credit repair information any time, day or night.
  • Take advantage of their support to get your questions answered quickly.

What It Costs

Rather than charging monthly fees or fees for each item removed from your credit report, The Credit People have just a few flat fees, as follows:

  • Account setup fee: $19 charged at the beginning of the service.
  • 3 payments: $99 each, which gives you access to the full suite of services.
  • Free: credit report retrievals from Experian, Equifax, and TransUnion.
  • Free: credit scores from each of the three credit bureaus.

Frequently Asked Questions about The Credit People

When it comes to choosing the right credit repair company, it’s natural to have questions about the service. Here are some of the most common questions we get about The Credit People.

How can The Credit People repair my bad credit?

The Credit People provides effective disputes of questionable negative items on your credit reports with the three credit bureaus. They have experienced credit repair specialists who handle every aspect of the credit repair process from ordering your credit reports to handling the disputes at each bureau.

How do I sign up with The Credit People for credit repair?

You can sign up for credit repair services with The Credit People at their website or over the phone by calling (866) 875-1478.

How long does it take The Credit People to repair bad credit?

According to their website, most people see initial results within 30-60 days. However, depending on how many inaccurate negative items you have on your credit report it may take longer to completely repair your credit.

Are there any guarantees?

The Credit People does offer a satisfaction guarantee for their work. If you aren’t satisfied with the work they do, to repair your credit you don’t pay for that month. If you choose their flat-fee pricing, you get a six-month satisfaction guarantee with the work they perform.

Can The Credit People remove (a bankruptcy, student loans, late payments, repossessions, hard inquiries, paid collections, judgments, charge offs, etc.) from my credit reports?

The Credit People can remove any inaccurate negative item on your credit reports. Consumer protection laws like the Fair Credit Reporting Act (FCRA) guarantee your right to an accurate credit report, free of any mistakes. That means if there are errors with a bankruptcy, a charge-off, or any other negative item, you have the right to dispute it.

Could deleted items be added to my credit report again after they’ve been removed by The Credit People?

This is very unlikely. Credit reporting laws make it difficult to add a negative item again after it’s been removed by the credit bureaus. While it can happen in very rare occasions, the vast majority of deletions are permanent.

Where is The Credit People located?

The corporate office for The Credit People is located in Orlando, Florida. Their full address:

The Credit People
7380 Sand Lake Road
5th Floor PMB 5225
Orlando, FL 32819

How much does The Credit People charge for credit repair?

There are two pricing plans for The Credit People – month to month, and a flat-rate membership. The monthly service starts with a 7-day trial for $19. If you decide to continue, the cost is $59 per month. The flat-rate membership costs $299 and covers six months of credit repair work.

Both options include unlimited disputes, debt validation, inquiry validation, and communication with your creditors on your behalf.

Is there a discount for family members or couples who subscribe to The Credit People?

The Credit People has as a discount for couples who sign up for the monthly plan. If your spouse signs up within three days of your initial order, they will take $20 off the first month of your monthly fees for both of you. There is no additional discount on their flat-fee pricing as it is heavily discounted.

What is The Credit People’s phone number?

The number to contact The Credit People for questions or to sign up is (866) 875-1478.

What are the call hours for The Credit People?

The Credit People are open 24/7 and are always available to help you with questions you might have.

How do I cancel credit repair service from The Credit People?

You can cancel credit repair services by contacting The Credit People directly by phone or mail for full cancellation procedures. Thanks to their satisfaction guarantee, you only pay for work that you are happy with and are never locked into a contract.

Click Here to Visit The Credit People Now!

Or call (866) 875-1478 for a Free Consultation!

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10 score
/ February 29, 2016 9:27 pm
Got approved for a car loan and I couldn’t be more excited! So happy to be getting my new car this year instead of 7 years down the line.
10 score
/ February 11, 2016 7:43 pm
Just checked my latest credit scores – they are over 100 points from when we started! Awesome work!
9 score
/ February 7, 2016 6:16 pm
Just wanted to praise your responsiveness and customer service. I know that you have lots of customers, but I’ve never felt rushed when talking with you on the phone, and your email replies are always prompt and courteous, so thank you!
8 score
/ January 22, 2016 2:16 pm
I’ve been going back and forth with this particular creditor for a year. Working with The Credit People and seeing this negative mark on my credit finally start to get a resolution is a relief!
9 score
/ December 5, 2015 3:14 pm
Our credit is now up past 680 so we know we can get approved for a home loan now. Thank you so much, Credit People, for your hard work and help with this!
10 score
/ October 14, 2015 2:49 pm
I tried doing this credit repair on my own and all the work and details nearly drove me crazy! I didn’t have enough hours in the day, and I’m glad to let you take care of everything and just enjoy the results.
9 score
/ October 7, 2015 10:40 pm
When I first signed up, it was because I thought their website seemed professional and trustworthy. Now I know the people and the results are trustworthy too!
10 score
/ September 27, 2015 5:40 pm
Spent 3 years trying to do this on my own and I can’t believe how much time I wasted before signing up with Credit People. Now everything is so simple and I’m really seeing results!
8 score
/ September 12, 2015 12:39 pm
I just couldn’t handle dealing with credit reporting bureaus anymore. So glad to not have to fight with them now that I have The Credit People.
10 score
/ September 3, 2015 1:33 pm
Signed up for their services even though my wife was sure this was a scam. My credit scores are going up higher than hers she had to admit she was wrong!
10 score
/ August 24, 2015 8:10 am
If your credit rating is bad, give The Credit People a chance to fix it. I did and it's the best decision I could have made. Thanks to some mistakes early on, my credit rating was really bad. Now I'm older and wiser and want to fix things, but I couldn't do it on my own. My rating has gone up and the negative items are disappearing. Couldn't be happier.
9 score
/ August 14, 2015 6:06 pm
The Credit People offer amazing credit repair service for a reasonable price. My credit was terrible after some bad decisions on my part, but The Credit People really brought my credit up. Staff is also very responsive, fast, and helpful. I highly recommend The Credit People.
10 score
Luis Santiago
/ August 10, 2015 9:07 pm
I was very skeptical at first to be honest, didn't read very good reviews about the Credit People but i decided to give them a chance. 3 months in they have helped remove 4 negative items and helped raise my score 50pts. Keep in mind it takes time and I'm patient as i know i didn't ruin my credit overnight.
1 score
/ August 9, 2015 2:03 pm
They file multiple disputes for negative credit items, which causes some of these items to be temporarily deleted. The new law allows credit reporting companies to ignore a dispute that they have already investigated, so this is worthless. But it does cause a statement to be placed on each item showing that it was disputed and proved to be correct. When lenders see this it throws up red flags, and will often cause your loan to be denied. My credit score and history are now worse, and the refund policy is a joke.
10 score
/ August 1, 2015 10:32 am
My credit was destroyed from irresponsible spending as well as from several years of neglect. It's almost unbelievable what The Credit People have been able to do for my credit score! From a Low 506 to high 700+ in around 7 months is incredible! I highly recommend The Credit People, they absolutely saved my credit score.
8 score
/ July 23, 2015 7:02 pm
This is one of the best credit repair services I have come across online. I was unable to pass credit checks when renting an apartment so I signed up with The Credit People and they got most of the negatives removed from my credit report. They also provided me with resources which helped me each step of the way in the process of getting my credit score up.
9 score
/ June 24, 2015 3:45 pm
I've always been skeptical of credit repair companies, but I've been trying to find a new apartment and my low credit score was causing me to fail the application processes. The Credit People have helped remove 6 negative items so far and having access to my up to date credit reports has been great for my peace of mind as it has started to rise. I would definitely recommend this service.
10 score
/ June 2, 2015 9:35 am
I just wanted to let you know how pleased I am with your service. The staff was very knowledgeable and helpful. Most of all, they got the job done! I've already recommended your service to several people. Thank you!
/ May 25, 2015 7:25 pm
I am about 6 months into the service and I am very satisfied with The Credit People. So far they have repaired or deleted 8 out of the 16 negatives that I had on my Equifax credit report. The repair success has not been as successful with Experian or TransUnion yet but they are still working on them and repairs happen at different times for different reports. I would say that this is the best money I've ever spent!
10 score
Glenn Hudson
/ May 18, 2015 10:49 am
Excellent service and constantly at work for you. Will do just what they say. It takes time but we must remember it took time for us to create our bad credit. No complaints.
/ May 8, 2015 4:30 pm
I achieved amazing results with The Credit People's credit repair service. I was skeptical initially, but after they raised my score over a hundred points I was able to obtain a mortgage on a new home with no previous rental history. I would highly recommend their service to anyone looking to boost their credit score.
/ March 18, 2015 10:39 pm
I know people always take the time to complain, but never take the time to give some good feedback, which is why I was so happy with this company, I wanted to let everyone know! These guys made everything so easy. I had been stressing about my credit score and how to find the time to work on it myself forever... Finally I just crossed my fingers, called up The Credit People, and left it in their hands. It was seriously as easy as they made it sound and I can't say enough good things about my experience. Highly recommended! :)
/ February 19, 2015 11:29 am
This is my first time using a credit repair company. I had heard good things about The Credit People so I finally decided to take my chance with them and I'm glad I did! Great service! I highly recommend them!
/ February 3, 2015 1:00 am
I used this company about 8 months ago. At the beginning of the 6 month process my credit score was only a 519 and by the end of the process it had jumped up to a 603. In my opinion a very respectable jump in points in just a 6 month span. I would recommend this service to anyone looking to boost their credit score but are to lazy to do any of the work involved in raising it. You don't even have to pull your credit report, they do it for you. A+ in my book.
/ December 17, 2014 3:15 pm
I cannot tell you how happy I am with The Credit People. I half expected this to be a scam and to be honest my expectations were very low. Between their service and my commitment to becoming credit worthy by exercising my credit in a healthy manner I am now sitting with a 758 credit score. This is up from 575! Thanks!
10 score
/ December 5, 2014 9:12 pm
I must say that I am very happy with this company. I had very poor credit, so bad that I wasn't sure if it could even be fixed. My credit was in the low 500's. Now it's in the high 600's. Not perfect yet, but it's at least enough to start building good credit. Anyone that is trying to repair their credit should give them a try!
/ November 9, 2014 11:34 am
I just wanted to thank The Credit People for what they have done for my credit scores. This service is certainly worth every cent that I spent on it. I have seen all three of my scores/reports increase by substantial margins. Wow! I was able to secure the loan I was hoping for when I first considered your service. The only reason I was able to get that much needed approval was due to the hard work by your team. Thanks again!
/ September 29, 2014 5:02 pm
This does work! I know i was around 640 and i jumped to 674 in three months...i am very happy about this. It only gets better from here I know. They have been very prudent about staying on top of my reports and helpful throughout. I have recommended this company to family and friends.