What is "Credit Repair"?
Your credit report is nothing more than a big brother report card updated by your creditors and maintained by the credit reporting agencies; Equifax, TransUnion, and Experian. We just make sure that these credit reporting agencies were fair when they filled out that report card. We also make sure that what’s on that report card even belongs to you! When we address an issue we find within your credit report and improve your credit, that’s credit repair.
For us, however, it doesn’t stop there -- and this is where The Credit People® shine -- credit repair is also about optimizing your credit report so it can produce the best possible credit score.
Hiring The Credit People® for Credit Repair Services
You can certainly handle the entire process yourself, but like anything else, it’s usually easier to let someone who has already learned---who is faster and more experience than you---take care of it.
The Credit People’s process goes beyond simple disputes. Our score driven results® approach means that we’re focused on raising your credit score from every angle. For this reason, everyone can benefit from our service. Over 100,000 people already have.
"In the beginning"...The Whole Story of Credit Report Repair:
Laws were enacted -- specifically the Fair Credit Reporting Act (FCRA) which allow you to ensure that your credit report is accurate, and information was reported fairly. Thanks to the FCRA you have the right to contact the credit reporting agencies directly to dispute items on your credit. You can dispute any and all items that are misleading, inaccurate, untimely, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted, and this is what “disputing” is all about.
You may also contact your creditors about your credit (sometimes called Creditor Interventions) to address an item on your credit report. Also, the Fair and Accurate Credit Transactions Act (FACTA) of 2003 may be utilized primarily in situations where identity theft is concerned.
This stuff can get a little boring, but this is what we do all day for our customers.
This might provide a little more perspective:
79% of credit reports contain some type of error.
25% of all credit reports contain errors serious enough to result in the denial of credit.
29% of credit scores vary by 50 points or more between each of the three major credit bureaus.
54% of credit reports contain personal demographic identifying information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect.
30% of credit reports contain credit accounts that had been closed by the consumer but incorrectly remained listed as open.
Experience plays a role in credit report repair as it relates to raising your credit score. There are many factors that affect a credit score, and understanding these factors is critical to success. These factors include things like; Debt to income ratios, credit type ratios, and of course, credit history, to name just a few of the big ones. Your credit score is based on an algorithm which takes these factors into account. The Credit People® differ from other companies in our score-driven approach. We fine-tune your most important credit scoring factors in order to produce your best possible credit score.
Learn more about How Our Service Works
Ready to start?
How Our Service Works:
If a caveman had a credit report, he’d choose The Credit People®. That’s how easy our service is.
Step 1: Start today for just $19. We'll get your credit reports and scores for you, then load them into your own online account, and get started.
Yep, sign up and try the service for the next 7 days for just $19. We'll get your credit reports and scores for you (included) and load them into your online account. We'll then create a strategy designed personally for you and get started--all during the first 7 days. Right from the start you'll begin seeing "The Credit People" difference...You get to see your credit, where you’re starting from, and test-drive our service, and you can continue for just $59 per month. Pay as you go, and cancel anytime.
Step 2: Relax, we'll take care of everything.
After you sign up you’ll get a friendly welcome call the next day. Shortly after we’ll give you login access to your online account where you'll see your credit and all three of your credit scores, then a friendly Credit People expert is put to work right away. They’ll begin with a strategy to challenge and remove questionable items from your credit reports.
Step 3: Continue your service and see improvements in your credit month after month!
You will start seeing credit improvements in 45 days. You'll continue seeing improvements in your credit month after month for as long as you're a client with us. We will continue working on your credit until we've accomplished the best results possible for you. You can always cancel whenever you are happy with your credit.
Let’s say you signed up today, here’s an easy recap:
You’ll receive a welcome call and email from The Credit People®
We’ll provide you with a special secure online account within 48hrs so you can follow the progress
You’ll see your credit reports and starting credit scores from all three credit bureaus
You’ll start seeing credit improvements in less than 45 days
Your credit will continue to improve throughout the duration of your service
At the end, you will visibly see your credit report, turn into a better credit report. We’ll also give you a future plan so that you can maintain your improved credit---so that you’ll never need us again.
Get started TODAY:
Why choose The Credit People
Why Choose The Credit People®?
Actually, it's simple...
With 12 years of experience helping over one hundred thousand people with their credit, we never set out to be the leaders, just the best. We spend a great deal of time and energy developing our credit repair services around you and your needs.
Some of our most popular service features include:
Free Credit Reports & Scores
At the start of your service, we get your credit reports for you. Did you know we're the only company who does this?
By getting your starting credit reports and credit scores for you (for FREE) you have an advantage over any other service... you know where you're starting from, and so do we! We're shocked to see that we're still the only company who does this and yet, we continue the practice because we know it's in YOUR best interest. How else will you measure the results at the end of the service?
Start for just $19
Try us out for 7 days, we’re that confident you’ll love us. No large setup fees, high monthly costs, hidden report fees, premium levels of service, or credit score fees . Everything you need, in one easy and fantastic service.
You will be hard pressed to find another company who offers such an easy pricing structure. You can start for just $19, and it's just $59 a month to continue. Cancel anytime.
24hr Account Access
We believe in transparent work. Whatever steps we take on your behalf we want you to know about and watch along the way.
We have spent an enormous amount of time and money creating an online dashboard for you to view the progress of your credit, the updates made, and the ability to easily connect with our credit people to ask questions along the way.
The Credit People have pioneered a Score-Driven Results philosophy that includes and goes beyond traditional disputes and interventions.
What exactly does "Score-Driven Results" mean? It means that aside from removing negative items, verifying, and correcting credit issues, we focus on raising your credit score through every other avenue—even if not associated with repairing credit. Disputes and interventions are the limit of what every other credit repair service will provide. The problem is, lenders who determine your purchase power rarely look beyond your credit score. This is why The Credit People have pioneered a Score-Driven Results philosophy that includes and goes beyond traditional disputes and interventions.
Above and Beyond Credit Reports
While we specialize in everything "credit reports," you are important to us too! We invented "the extra mile".
What happens if you have an important event such as a new employment position or apartment application which requires a credit check? Need a referral letter? Not sure how to get your interest rates lowered? What if you do not receive updated credit reports from the credit reporting agencies? These are a few things that we have seen our clients encounter over years and we have always answered with, "how can we help?" If you need employer assistance, credit check assistance, or even if you fail to receive an updated report from one of the credit bureaus during our service, we take care of it all for you.
Unbeatable Satisfaction Guarantee®
If you're not happy, we're not happy—and you don't pay--simple as that.
Often copied, never duplicated. Our unbeatable satisfaction guarantee® means you're only paying for results. If you aren't satisfied for any reason, any time, you can cancel and not get charged for that month, but we'll even refund you for your LAST month's payment as well!
Ready to begin? Get Started with Our Simple Sign-Up Process
Want to learn more?
Read on to compare our services to other providers:
Compare for Yourself:
|Service B||Service C||Service D||Service E||The Credit People®|
|Start for just $19
|Free Starting Credit Scores||X||X||X||X||X|
|Work on all 3 credit reports|
|Work with creditors|
|Making sure your debt amounts are fair and correct|
|Making sure creditors who looked at your credit had a right to|
|24/7 Client Portal Access||X||X||X|
|Help Beyond Credit Reports||X||X||X||X||X|
|Option to customize your credit priorities||X||X||X||X|
(Fair Credit Reporting Act)
|Credit Score Driven Results®||X||X||X||X||X|
|10+ Years Experience||X||X||X||X|
|Unbeatable Satisfaction Guarantee®(not a refund policy, warranty, or strings attached fine print guarantee)||X||X||X||X||X|
|Cancel Service Anytime|
|Your involvement required||Complicated – Keep your "contract"||You need to check on them||Moderate||Confusing||May as well do it yourself||A caveman could do it|
Read Anthony's full story
When he came to us, Anthony was in a very frustrating position. As one of the few who had equity in his home he still wasn’t able to refinance to a better rate. His credit was holding him back. By focusing on the items that most affected his credit score first, The Credit People helped Anthony lock a 4.9% rate within a small window of opportunity. By improving Anthony’s credit and raising his credit score, The Credit People ended up saving him several hundred dollars on his mortgage payment--every month. Anthony’s wife was not on the initial loan, however, she is now a new customer of The Credit People. Saving hundreds of dollars—every month—on a fixed income is life changing.
Read Cesar's full story
Ceasar has been renting a home for the past 3 years. With a foreclosure on his credit report, among other checkered marks, he was struggling to find anyone willing to finance him. Ceasar’s frustration really made his story stand out... With housing prices continuously dropping, he had an opportunity to buy back his old home for less than he originally paid. (Yes, he had an opportunity to get his previously foreclosed home back—for less money) With the lease expiring in 8 months on his current rental home, and the possibility of someone buying his old home, Ceasar came to us with his challenge. After nearly a 100 point increase, Ceasar and his family returned to their old home for $400 less than their previous monthly payment! Putting your kids back in the place they grew up is priceless, and these are the results that make a difference.
Read Chris' full story
When he signed up Chris told us that he had made mistakes back in college because he didn’t take his credit seriously. He missed his fair share of payments, had a few charge-offs, and eventually collections. Being a working professional now, paying higher interest rates on his car loan and home loan is costing him every month. Although the mistakes he made were in his past, the marks against his credit weren’t. Chris thought paying off the debts would clear up his credit report. Unfortunately it doesn’t work that way, and he came to us for help. By removing most of the old negative information from his credit and pointing out the statute of limitations on several debts, Chris got a clean slate and peace of mind. Not having a cloud from your past follow you everyday anymore—this simple peace of mind—has been life changing experience.
Read Elizabeth's full story
After a dip in her credit score, Elizabeth’s credit card interest rates jumped between 18 and 28%. This hike in interest rates cost her an extra $276—every month. She wasn’t in a position to negotiate a lower rate because of her credit, and she wasn’t able to get approved to transfer the balances to a lower interest card. She was stuck. After she got started with The Credit People we created a plan to get her interest rates reduced within 6 months. She was able to transfer balances and eventually she saved $276 each and every month. This is beyond just credit repair to Elizabeth, she now has a $276 “pay raise” every month, and that is life changing.
Read Jennifer's full story
Two years before she got started with us Jennifer applied for credit and discovered that there were several accounts on her credit that didn’t belong to her. These accounts weren’t helping her credit score in the least. After constant letter writing and phone calls for months she gave up – she didn’t have any more time to dedicate to the cause. She let it go for a year before contacting The Credit People. After dealing with these items weighing down her credit for nearly two years, they were finally removed from her credit reports. Getting these items off her credit report lifted a weight that had been sitting on Jennifer’s shoulders for nearly two years. The stress of having someone else’s information on her credit was always in the back of her mind. We removed that stress, we lifted that weight, and we gave her one less thing to worry about in her busy life.
Read Joe's full story
Joe is an electrician by trade, when the economy turned south, Joe was one of many who were laid off. After over a year of unemployment Joe finally secured a reliable job again, but unfortunately his credit suffered badly while he was out of work. He hired The Credit People and together we were able to raise his score 187 points. He truly has rebounded from a difficult time and now has a fresh start to rebuild from. Getting a second chance like this is life changing for Joe and his family.
Read Linda's full story
When Linda contacted The Credit People she had virtually no credit, which would make any credit repair program a difficult one. Raising her credit score was like trying to move a bus that has a lawn mower engine. This was the position Linda was in as she tried to increase her credit score. We advised her to establish new credit to begin building a history of good credit use. Linda’s response: “If I could do that I wouldn’t need you guys.” (Good point Linda ;-) What she didn’t realize, however, and what we can take for granted as common knowledge, is that there are always ways to establish new credit. We started her off with small goals of applying for high-risk revolving credit. From there, we took Linda through a stepping stone process of building her credit back. In the mean time, The Credit People helped remove many of the questionable negative items from her credit. We cut down most of the negative items that were weighing her credit score down (we turned that heavy bus into a sports car) and helped her establish four new lines of credit (we now turned that weak lawn mower engine into a V8.) Getting approved isn’t the problem anymore, now, choosing only the best offers is.
Read Marcus' full story
A 40 minute trip to work, and then a 40 minute trip home every day in a car that is unreliable will drive you crazy. When Marcus called The Credit People he was in a pretty tough situation...At any moment his only transportation to work could break down. He had been driving the same Honda Accord since 1994. Although the car was paid off, his credit didn’t make it possible for him to get approved for a new car (even though he was making more money). It didn’t take long before we realized Marcus needed to establish new positive credit. (He had next to none) The Credit People helped him build new credit while at the same time improving the damaged credit he had. The result was a complete 180 in his credit report which lead to the purchase of a new car with an interest rate he was able to afford. *the new car was purchased just three months after we started!
A potential emergency where his job could have been at stake was avoided. These are results that really mean something.
Read Tameka's full story
Tameka has a career in the military, and with promotion comes increased security clearance. Before she could get promoted, however, she had to pass a credit check. During her credit check several serious derogatory items were discovered on her credit report. In this instance it wasn’t a question of credit score, it was a matter of irresponsible credit behavior that held her back from being promoted. Tameka had brought to their attention several errors surrounding these items, but her superiors insisted that she could not be promoted with these items on her credit. She assured them that this matter would get resolved, and they gave her 90 days. After she signed up online, we immediately provided her superiors with an acceptable letter of confirmation to our involvement. This bought Tameka credibility that her candidacy for promotion should still be strongly considered. Within 90 days we managed to remove 75% of the negative items that prevented her from getting promoted. (We have received numerous referrals from Tameka’s fellow military family since.)
Our experienced team and proven process has helped thousands of people just like you with any number of credit issues, including:
We have handled everything you can imagine, and when we remove a negative item from your credit report it does not come back.
Find out about our Pricing
"Pay as you go", or "Flat-rate" pricing, your choice!
Try out the service for the next 7 days for just $19. If you like the service, continue for just $59 a month. Pay as you go, cancel anytime. It’s just another way we try to keep it simple for you, and your satisfaction is completely guaranteed. No hidden fees or extra costs, we take care of everything. Just the best results possible – on a month by month basis. We keep it simple®.
Don't like monthly fees? Sign up for a complete six-month credit repair program for just $299. Your satisfaction is completely guaranteed. No hidden fees or extra costs, we take care of everything. Just the best results possible – without monthly fees. We keep it simple®.
What's the difference?
You'll receive the same great service and results with either option. The average credit repair program is a 6-7 month process with initial results within 30-60 days...If you have more than just a few negative items on your credit, take advantage of the most affordable credit repair program available anywhere; our "flat-rate" program.
Learn about our Unbeatable Satisfaction Guarantee®
Our Unbeatable Satisfaction Guarantee®
Better credit, without any risk.
We stand behind our work, and that’s why over 100,000 people have trusted us to repair their credit in the first place. We've made our service risk-free. We completely guarantee your satisfaction. When you're paying month by month as you go, you're assured that you'll never pay for anything that you aren't happy with. You can cancel at any time and you will not be charged for that month of service. If you chose our flat-fee pricing, you have a full six-month satisfaction guarantee. Our goal is to make you one of our thousands of satisfied customers and we're willing to go the extra mile for it. That’s our promise to you.
Ready to Start? Sign Up Now
We’re popular. Read our Testimonials to find out why