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Initial Fee | $19 |
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Monthly Fee | $79 |
BBB Rating | C |
Customer Support | Phone, Email, Mail |
Cancel Anytime | Yes |
On average, most customers see results with The Credit People within two months. The Credit People offers a seven-day trial for $19, along with several other benefits:
Initial set-up fee | $19 |
---|---|
Monthly membership fee | $79 |
Six-month flatrate membership fee | $379 |
Couples discount | $20 off each spouse’s first monthly payment |
Results vary depending on your situation, but The Credit People considers your individual credit score and the length of time it takes for your creditors to respond. The Credit People claims that most of their customers see results within 60 days.
Unfortunately, no credit repair service can claim a guaranteed improvement of your credit score because of the Credit Repair Organizations Act.
This statute was enacted in 1996 by President Bill Clinton to stop the deceptive advertising and predatory business practices used by many credit repair companies.
The act requires credit repair services to provide potential clients with the information they need to make an informed decision. This means no credit repair service can claim a guaranteed improvement of your credit score.
While The Credit People gives you access to your credit report and work to repair your credit, be on the lookout for the following potential drawbacks:
To cancel your service with The Credit People, send an email or call its customer service line and indicate that you’d like to close your account.
If you have questions or concerns, contact The Credit People‘s customer service by email at questions@thecreditpeople.com or call 866-934-7633. Unfortunately, it doesn’t provide the hours its customer service is available or how long you can expect to wait to hear back from an online representative.
Once you pay your membership fee, you have 24-hour access to your online account to monitor your credit score and review progress to improve your rating.
There is also a FAQ section on The Credit People‘s site that helps answer questions about its service.
Some credit repair services have been subject to criticism in the past for predatory business practices. If you’re going to invest your hard-earned money, you want the service you select to put your funds to good use.
As of October 2020, here’s what we found out about The Credit People’s online reputation:
If you suspect there are incorrect entries on your credit report negatively impacting your score, a credit repair service might be able to help. The Credit People offers monthly or flatrate membership fees and will provide you with online access to your credit reports within the first week of service.
If you’d like to hire a credit repair service to improve your credit score, explore your options with additional providers to find a credit repair service that best fits your needs and budget.
Images: The Credit People