The task of repairing your credit can be an arduous one. It is full of seemingly endless paperwork, countless letters, and a lack of confidence, knowledge, and experience can significantly hold you back.
If you find yourself in this scenario, it might be a good idea to call in the help of experts who can help you get things running smoothly again.
This is where The Credit People come in.
Who Are The Credit People?
Ever since their inception in 2001, The Credit People have been dedicated to helping individuals repair and recover their credit scores.
They help build their customers back up from a low place and provide access to greater financial opportunities through the establishment of good credit.
Their system works by analyzing your credit file to uncover any inclusions which may be unfair or inaccurate, and they work with you to tackle them.
By contacting credit bureaus and creditors, they will stand by your side and fight for the removal of these remarks.
If your file is full of inaccuracies, you will find it very difficult to repair your credit. This is even if you are doing everything else correctly.
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How Does The Credit People Work?
Dispute Charges That Are Questionable
The primary goal of The Credit People is to help you dispute and eliminate any charges on your credit file that are questionable, untrue, or unfairly reported.
They will undertake a thorough review of your file once it has been retrieved from the three main credit bureaus.
This will help you identify any inaccuracies, and give a clear picture of how much work needs to be done to repair your score.
Once this is achieved, The Credit People will endeavor to remove all inaccuracies through liaising with creditors and credit bureaus on your behalf.
They have a proven track record of improving all customer credit ratings by 30%.
They will also work with clients to help improve their scores in other ways, offering personalized plans and ways of moving forward. All customers will be able to access their accounts online 24/7, and this allows them to track progress and see improvements as they happen.
There is a basic three-step process when it comes to rebuilding your credit, and it starts with the customer initiating the process. They can begin their journey with the 7-day free trial, which costs $19, or by purchasing the Flat Rate plan.
The Credit People will then grab your file from the credit bureaus, and load all reports and scores onto the online account for easy, convenient viewing in a single location.
Once this initial phase is complete, the customer will be contacted by a credit repair analyst, who will work to develop an effective, thorough credit-repair strategy.
This is done on a personal basis, using the credit information retrieved from the data gathering, and will be tailor-made to the needs and preferences of each customer.
These steps trigger the start of the process, and the Credit People claim that their customers will start to see noticeable improvements within 60 days or sooner. Once this period is up, the company will update the credit reports on the customer’s account, allowing you to see accurate real-time results.
What Are The Costs of The Credit People?
Expense is a crucial factor in trying to find the best credit repair company, and The Credit People adapt to this by offering two payment programs.
The first is a monthly membership format, which includes a seven day trial for $19. If customers carry on after this point, there is a monthly charge of $79. Existing clients can cancel at any time, which is a big advantage to the scheme.
The second option is a “flat-rate membership” program, and this incurs a one-time fee of $419. For that price, customers will receive access to a six-month credit repair program. It has a guarantee for customer satisfaction, or else you will be entitled to a full refund of all costs.
No matter which option you go for, you can expect to receive the same attention to detail and high standard of customer care. Most clients have reported an improvement in their credit file within 30 to 60 days of enrollment.
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What Are The Advantages of The Credit People?
The Credit People have a lot going for them, and some of the main benefits include:
A 7 Day Trial
The chance to try out the company for the price of just $19 is a major appeal. It allows you to use the service before making a long-term commitment. The trial can be particularly useful if you have never tried a credit repair agency before.
It also gives a good introduction into the state of your credit, as well as allowing you to try out the customer service offered by the company.
The Flat Rate Plan is among the most affordable options offered throughout the industry and is a fantastic deal considering the wide variety of benefits you receive as a member.
No hidden fees
In addition to being a great value for the money, there are also no hidden costs in the pricing. You pay the single price upfront and can rest assured that there will be no surprises lurking to trip you up later on.
It may surprise you to know that the US Government has a clause stating that it is mandatory for all consumers to receive a free copy of their credit report annually. Some credit repair companies still charge an extortionate fee for this.
The Credit People include this in their cost, and this comes as a very pleasant surprise.
A money-back guarantee has two advantages – it demonstrates that the company has faith in its product, and helps provide peace of mind to consumers. If you are not satisfied with the results in 60 days, you will be entitled to a full refund from the company.
While this is unlikely to be enough time to fix your credit file, you should nonetheless see an improvement during this period. If not, you can sleep soundly knowing that you are fully entitled to your money back with no quibbles.
What Are The Disadvantages of The Credit People?
As with any company, there are some considerations to bear in mind.
No personal case advisor
Unlike other companies, you will not have an allocated personal case advisor, and this is a real disadvantage. You face speaking to a different advisor with every call, and this can be a real deal-breaker for some customers, particularly if you are in quite distressing circumstances.
Limited Customer Support
24/7 access to support is a given with many companies, but the hours at The Credit People are quite restrictive – Monday to Friday, 9-5. There is some support available outside these hours, but many reviews claim this is not the 24/7 service as promised.
No educational aspect
The attempt to educate customers is a little lacking compared to the offerings provided by other sites. Though there has been some improvement, it still falls a little short.
The Credit People, Are They Right For You?
The Credit People have established a strong reputation in the world of credit repair, and they have rightly earned this.
Despite some disadvantages, they offer a clear, professional service which aims to get customers firmly back on their feet when it comes to their credit.
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