Building and sustaining good credit is a necessary part of a healthy financial life, but it is often easier said than done. Missing a payment on a debt here and there, filing bankruptcy, or having an account transferred to a collection agency all have negative impacts on your credit standing.
Although there are strategies consumers can use to repair their credit over time, namely, on-time payments and responsible use of credit accounts, there are situations that require expert help. Hiring a credit repair company can be beneficial in resolving credit issues that drag a credit score down.
The Credit People is a reputable credit repair company offering these types of credit repairing services to consumers in need of help.
How It Works
With The Credit People, individuals can simply fill out a brief online sign-up form or call them at (866) 479-0160 to get started.
Through the sign-up process, the credit repair company gathers the necessary information to start down the path of rebuilding bad credit. This starts with an in-depth review of credit scores and reports from the three major credit bureaus – Equifax, Experian, and TransUnion. The company gathers this information for the customer, and then develops a plan of action for fixing credit issues found in each report.
Once credit information is added to the customer’s online account, The Credit People reviews it and works through an improvement strategy over time. While restoring credit is not an overnight process, the company continuously works to rebuild a bad credit report and score for as long as the individual remains an active user. In most cases, improvements are seen within the first 45-60 days.
Credit Repair Pricing
Individuals can sign up for credit restoration services for an initial set-up fee of $19 which includes account set-up, the gathering credit reports and score from each of the major credit bureaus, and a welcome call within the first week to review that information with the client.
If the customers decides to go forward they will be charged an additional $79 at that time and $79 per month going forward. There is also a $419 flat-rate fee option for 6 months of service and couples can receive a discount for signing up within a few days of one another, equal to $20 off each initial payment.
There is no fee to cancel credit repair services with the company, and there are no hidden or extra costs as they fix your credit over time.
Range of Services and Features
The Credit People credit repair is a top pick in our list of the best credit repair companies because of its wide range of services and features.
Customers receive the following as part of their monthly payment:
- 24/7 access to an online dashboard that offers updates and changes to credit scores and reports
- Unlimited disputes each month
- Noticeable results usually within the first 45-60 days
- Free credit reports and scores included in the monthly fee, not in addition to
- A satisfaction guarantee, meaning customers do not pay if they are not satisfied with that month’s progress
- Access to the Help Zone and ongoing credit building tips
About The Credit People
Founded in 2001, The Credit People is a reputable credit repair company headquartered in Cottonwood Heights, Utah. The company has reviewed more than 310,000 unique credit reports, helping thousands restore their credit with an average 32% credit score increase over time. The credit repair company is certified under the Fair Credit Reporting Act and accredited with the Better Business Bureau.
Contact Information
Couples and individuals looking to improve their credit report and score with assistance from The Credit People can start the process of repairing their credit online or call toll-free at (866) 479-0160 to speak with a professional.