How Our Credit Repair Works:
(How you'll finally do something about your credit.)

Better credit awaits (really), and it's easier than you might think. Start today, just $19.
Fast results delivered online, free credit reports, free credit scores, and an unbeatable satisfaction guarantee® in your back pocket.  We'll significantly improve your credit and raise your score, we're sure of it.  Maybe it’s our 12 years of experience, or maybe it’s the advantages you can't find anywhere else, either way, you can be sure too.

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Learn more about How Our Service Works.


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?

Repair Your Credit Now

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:

Repair Your Credit Now

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? Read More

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. Read More

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. Read More

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.

Score-Driven Results®

The Credit People have pioneered a Score-Driven Results philosophy that includes and goes beyond traditional disputes and interventions. Read More

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". Read More

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. Read More

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 BService CService DService E
The Credit People®
Start for just $19 XXXXX
Free Starting Credit ScoresXXXXX
Work on all 3 credit reports
(unlimited disputes)
Work with creditors
(Creditor Interventions)
Making sure your debt amounts are fair and correct
(debt validations)
Making sure creditors who looked at your credit had a right to
(inquiry validations)
Toll-Free Support
24/7 Client Portal AccessXXX
Help Beyond Credit ReportsXXXXX
Option to customize your credit prioritiesXXXX
Certified FCRA
(Fair Credit Reporting Act)
Credit Score Driven Results®XXXXX
Monthly Fee $99$65$59$79$99$59
10+ Years ExperienceXXXX
Unbeatable Satisfaction Guarantee®(not a refund policy, warranty, or strings attached fine print guarantee)XXXXX
Cancel Service Anytime
Your involvement requiredComplicated – Keep your "contract"You need to check on themModerateConfusingMay as well do it yourselfA caveman could do it

Repair Your Credit Now

Our Results

We Don't Just Focus on "Deletions"
We Focus on Changing Lives.

What's your story?

Each and every one of our customers has a unique situation they're dealing with. While deleting negative items from your credit report is exciting, helping you reach your goal --- that's life changing. These life changing results are the highlight of what we do every day. Here are some of our favorites...

Our experienced team and proven process has helped thousands of people just like you with any number of credit issues, including:

  • Late Payments
  • Charge Offs
  • Collections
  • Foreclosures
  • Repossessions
  • Personal Identification
  • Closed Accounts
  • Bankruptcies
  • Negative Settlements
  • Liens
  • Judgments

We have handled everything you can imagine, and when we remove a negative item from your credit report it does not come back.

Repair Your Credit Now

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.



Repair Your Credit Now

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