Credit Repair
Why Us?
Some of our most popular service features
With over 20 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 and debt settlement services around you and your needs
Credit Reports & Scores Included
At the start of your service, we obtain your credit reports. By getting your free credit reports and credit scores, you’ll know where you’re starting from! You’ll visibly see your credit report and scores improve during your service. You can also get ongoing credit score updates in real time each month if you select that option.
Score-Driven Results®
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 other avenues—even if not directly related to repairing credit. Disputes and interventions are the limit of what other credit repair services 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.
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 your credit progress and updates, and to easily connect with our credit team to ask questions along the way.
Escalated Disputes Included!
When you’re working with 3rd parties like the credit reporting agencies or creditors to fix information on your credit report, they might be a little uncooperative at times. That’s ok. That’s why you hire credit experts who can escalate disputes and validate verification requests. This ensures you get the best results possible.
Above and Beyond Credit Reports
What happens if you have an important event, such as a new employment position or an apartment application, that 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 the years, and we have always answered with, “How can we help?” If you need employer assistance or credit check assistance, or 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, at any time, you can cancel and won’t be charged for that month, and we’ll even refund you for your LAST month’s payment!
Client Outcomes
Real people, real programs.
“I stopped dreading my mailbox. Having one plan instead of six due dates changed everything.”
— D. Martinez, enrolled 2024
“They walked me through every offer before I said yes. Nothing felt rushed.”
— K. Whitfield, enrolled 2023
Took longer than the brochure timeline, but I understood why at every step. Worth it in the end.
— R. Okafor, enrolled 2024
Results vary by client. Settlement outcomes depend on total debt enrolled, individual creditor policies, and consistency of program deposits. Not every debt or creditor is eligible for settlement, and programs may affect your credit and could involve tax consequences on forgiven amounts. Ask your specialist for details specific to your situation.