The Credit PeopleReviews of thecreditpeople.com

Canceled after 0 progress and customer service was extra rude when I canceled

I wish give them a zero star.

Waste of time and money!!! Another Lexington Law don’t work for the money.

Seven and 1/2 months, at $119.99 a month, not one item removed. I spoke to the people on several occasions, they are very nice and proffesional, but don't get anything removed. A waste of money and time.

I’ve paid for their service for eight months and my score is continuously went down has not went up and I have not used my credit in anyway other than paying off my debt mine has been a roller coaster. All of my life was horrible. The moment I turned 18 because I’m a junior and my parents show up on my credit report. I was a customer of theirs once before and they made some improvements. I came back as a new customer this time for multiple months straight and have received. Nothing even paid for expedited services. And received zero improvement thousand dollars later.

I was told that my credit would be improved and this and that for the fee it's a giant scam they're not even verifying anything and they don't even send the proper information to the creditors they're scammers

I was told that my credit would be improved and this and that for the fee it's a giant scam they're not even verifying anything and they don't even send the proper information to the creditors they're scammers

I began my agreement with The Credit People on July 7, 2025. Here’s what’s gone on in the two months I have been a client with the company: • I felt I needed professional help with only one derogatory comment on my credit report. It was a big one though. Hyundai Motor Finance (HMF) reported me as being late with a final payment and that my account was written off. The scenario is a little more complicated than that with payment due dates conflicting between a hard copy invoice and an on-line statement. They also reported my account as written off which it was not. Those comments dropped my score by about 50 points. My initial dispute using Experian’s on-line dispute process yielded an immediate, no. Their response was a one line statement from HMF that “they have investigated the information I have described as inaccurate and the disputed information is accurate as reported.” • That’s when I contacted The Credit People. I explained to the phone representative that this was the only thing I wanted them to handle because I knew I had some very old late charges. In signing up, their web site says “tell us your goal”. That was my only goal! • As I was unemployed three years ago, I did have some late charges reported back then but I told the representative that I didn’t care about those. They insisted I should care as they could be affecting the way lenders view my credit even though before this problem with HMF, my score was over 750 and rising every month. I was told that lenders do look at old late charges regardless of the score. I said if they wanted to work on those, they could but they were legitimate late charges and even if they could get them removed, I know that as late charges get older, they have limited impact on my current score. Noteworthy is that before this problem I was able to get one of those low interest auto loans offered by Toyota to their most credit worthy customers. So years old late charges didn’t bother them. I told that to the phone representative who sarcastically said congratulations. • Throughout the two months I have been with The Credit People, I get very little feedback from them. As a matter of fact, their audit trail” shows: o 7/7/25-Sign up o 7/20-All credit bureaus are processing the dispute o 7/29 and 7/30-They acknowledged receipt of some documents I sent them to help them build the proof of my case. o 9/3-“disputes sent to all credit bureaus” I guess that means they received a negative response on the first round although I was not informed by them. I did get something directly from Experian denying the removal of a years old Well Fargo late charge.  I have no idea what disputes were submitted. Were they the old late charges?  Was it the Hyundai late charge and what are they saying to prove my case? • It didn’t appear that The Credit People were taking my case seriously. At least, that’s the way it appears to me. Without feedback, other than the fact that my case was submitted (again) on 9/3. I began working on I on my own and stopped sending The Credit People any more documents. Here’s what I did: o I e-mailed the CEO of Hyundai Motor Finance. Not surprisingly, I received no response. I did share this E-mail with The Credit People in advance of sending it and that was the last thing I shared. o I resubmitted my disputes to the three credit bureaus with far more documentation this time and citing The Fair Credit Reporting Act (15 U.S.C. §1681i) which entitles me to a more comprehensive explanation of their decision as they did not indicate what they considered to be inaccurate the first time which yielded the one line statement “they have investigated the information I have described as inaccurate and the disputed information is accurate as reported.” o This dispute was submitted on August 24th and as of September 7th, I still have not received a response, Experian does send e-mails that they are working on it. Transunion and Equifax have not. Optimistically, my first lame and undocumented dispute, which was only to Experian, yielded a negative response in just a few days, and now it’s been more than two weeks (I know they have 30 days) I am assuming with my stronger and better documented dispute that they are taking it more seriously and they are working on it. o I contacted an attorney that specializes in credit matters. He offers a free consultation. He was very impressed with my case and said I could probably sue for monetary damages but it will cost me at least $5,000 to take the case. I told him I just want to get the negative posting removed and I will continue working on it on my own. My concern is that The Credit People is treating my case as it would a "garden variety" late charge using whatever "cook book" justifications they use routinely. Still vacillating whether to go another month with them. Larry Kassen