Founded in 2001, The Credit People offers its customers the basics for a low price.
The Credit People
Bang for Your Buck
Score:
2/3
The Credit People offers a 100 percent money-back guarantee if you don’t see results in the first 60 days of your credit repair program. Since it can take more than 45 days to show any results, this gives you the chance to change your mind.
The company’s pay-in-full rate is the cheapest in the industry. The Credit People’s setup charges are lower than many other in the industry. With installment options as well as a prepaid discount option, clients can achieve results for less than many other credit repair agencies. Clients can choose to either pay $79 a month on a month-by-month basis for credit repair services or $419 for a complete six-month premium credit repair program. This is much lower than what most other credit repair agencies.
The company doesn’t offer quality education about credit for customers, nor are you assigned an individual case adviser or paralegal. There is also no ID theft protection. The Credit People doesn’t guarantee removal of repossessions, foreclosures, or bankruptcies. If you have simple credit issues, it offers resolutions at reasonable rates.
Ease of Use
Score:
2/3
Online resources make it easy to monitor your account at your convenience and allow you access to information and knowledge-based articles outside of traditional business hours. The lack of personal advocate can be intimidating for some, though. While there are resources on the site to help the consumer, there is not much in terms of personal assistance for those struggling with financial education. We recommend you look at our Ultimate Guide to Credit Repair if you need additional information.
Customer Service
Score:
2/3
The Credit People does not have an extensive number of resources on its site, but this is reflected by its pared-down price. The company offers a blog, assorted educational material, and answers to the most frequently asked questions for both potential and current clients to learn more about credit repair services and what affects their credit scores. It also offers insight into subjects such as student loans, credit card debt, revolving other debt, and more. The company’s blog also touches on various other information clients should know about credit and their FICO score.
Reputation
Score:
2/3
The Credit People is a top choice for the best value in credit repair solutions. Starting with a seven-day free trial and 100 percent money-back guarantee, it’s easy to see why it’s a popular consumer choice. The Credit People have reportedly helped over 100,000 people raise their credit scores. It is not listed or accredited by the Better Business Bureau and lacks a Google Reviews page as well.
Bottom Line
While The Credit People comes in at a lower price point and you can save with its services, you sacrifice the one-on-one assistance other companies offer. The 24/7 online access has become the norm, and the knowledge base is useful, but it is no substitute for a human advocate. The volume of knowledge provided on the site is useful, but without human assistance, it can be challenging to understand it all.
