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The Credit People Credit Repair Review



Pros Explained

  • Affordable pricing: The Credit People’s initial work fee is just $19, a small fraction of competitors’ pricing. Monthly fees remain competitive at $79.
  • Money-back satisfaction guarantee: If you’re not satisfied with the service you get, The Credit People will refund your most recent payment.
  • Unlimited disputes: The Credit People doesn’t limit the number of credit disputes they’ll file on your behalf each month.
  • Credit monitoring included: Most credit repair companies tack on extra costs for credit monitoring (if they offer it at all), but The Credit People includes it in your monthly fee.
  • Ample educational tools: The Credit People’s help zone is a great resource for informational guides, videos, and more.

Cons Explained

Types of Services

The Credit People lists several services in its single package, covering both traditional credit repair and a few related areas. All are included in the same monthly fee.

Credit Disputes

Credit disputes are the bread and butter of the credit repair process. Like most companies, The Credit People handles this by first reviewing your credit reports in detail and identifying items that may be incorrect or outdated. They’ll then send letters to the credit bureaus on your behalf requesting that the errors be removed.

Credit Monitoring

With your membership fees, you’ll also receive complimentary credit monitoring. This is an ongoing service that is incredibly helpful during the credit repair process. Credit monitoring gives you real-time updates as the contents of your credit report change and your score changes. Most credit repair companies either charge extra hidden fees for this service or fail to offer it at all.

Debt Validation

While not strictly part of the credit repair process, The Credit People also offers debt validation. This involves asking creditors to come up with proof that they have a legal right to collect the debt they say you owe. The Credit People can also validate hard inquiries on your report, one of the few companies to uniquely mention this service.

Expert Tip: Warning

If you have reason to believe a creditor or collections agency is attempting to collect a debt you don’t owe or shouldn’t have to repay, a debt validation letter can clear the air. However, you should hesitate to let a credit repair company send a debt validation letter regarding a legitimate account. This can trigger creditors to step up their collection efforts as they may see the request as a sign you don’t intend to repay the debt.

Optional Add-Ons

It’s fairly common for credit repair companies to make optional add-on services available to customers who want a more inclusive service. However, The Credit People doesn’t offer any of these. Since the company’s single service package already contains a broad scope of services, there’s no pressing need for them to sell anything else.

Customer Service

The Credit People’s customer service presentation is in line with industry averages. Representatives can be reached by phone or email, and an online customer portal provides an easy access point to track progress and upload documents. However, there’s no live web chat or mobile app similar to what some competitors offer.

Company Reputation

We typically use third-party data sources to gather customer sentiment on the companies we review. In The Credit People’s case, not much information is available. The company does have a fairly negative presence with the Better Business Bureau, receiving a C+ rating and an average customer review score of just one star out of five.

Even so, we try to take these ratings with a grain of salt since the Better Business Bureau is not an official government agency but a private organization. The Consumer Financial Protection Bureau, which is an agency within the U.S. government, does not have any complaints on file for The Credit People.

If you have a complaint about the services of a credit repair company, you can file a complaint with the Federal Trade Commission (FTC) or call 877-FTC-HELP.

Contract Duration

The Credit People doesn’t lock customers in with long-term contracts. Month-to-month service can be canceled at any time. In fact, thanks to The Credit People’s satisfaction guarantee, the company will even refund your most recent payment if you decide to cancel because you’re not satisfied with the service you receive. Unlike most money-back guarantees advertised by competitors, this one isn’t tied to any specific outcome; you can request a refund even if items have been removed from your report.

Although The Credit People doesn’t ask customers to sign contracts, the company does market a prepayment plan that tries to entice customers with a $74 discount when they pay for six months of service in advance. The satisfaction guarantee also applies to this plan, entitling you to a full refund if you’re unhappy with the service.

Expert Tip: Warning

Credit repair companies can’t guarantee results in a specific amount of time. There’s no way to predict whether your case will take exactly six months, so prepaying for this service period probably isn’t a good idea. If you pay by the month, you’ll be free to cancel whenever you feel you’ve taken full advantage of all the services the company has to offer.


Pricing for The Credit People’s credit repair plan is extremely affordable compared to the alternatives. The initial work fee is just $19, and ongoing service costs $79 per month. If you opt for the six-month prepayment plan, you’ll be charged $419, for a total savings of $74.

The Competition: The Credit People vs. Sky Blue Credit

The Credit People and competitor Sky Blue Credit both price their credit repair service at $79 per month, the key difference being that The Credit People charges just $19 in initial work fees while Sky Blue Credit asks for $79. Unlike The Credit People, Sky Blue Credit doesn’t offer credit monitoring; customers who want this service will need to purchase it separately from another company. Sky Blue Credit also places a limit of 15 credit disputes per month, just five with each credit bureau, for every month of service. The Credit People offers unlimited monthly disputes with its plan.

The one area where Sky Blue Credit stands out is homebuying. The company specializes in the mortgage application process and can help you polish your credit prior to applying for a loan. However, if you’re not pursuing credit repair specifically for the purpose of getting approved for a mortgage, The Credit People offers better value.

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Credit Repair Companies

Bad Credit Credit Cards – Workout My Credit Solutions Rises as an Authority in Credit Repair and Financial Education | Fintech Zoom



Bad Credit Credit Cards – Workout My Credit Solutions Rises as an Authority in Credit Repair and Financial Education

Quality of life is impacted by numerous factors, and one of its most significant determinants is a person’s financial health. For the most part, financial stability involves the ability to provide for themselves or their family members without putting a significant dent in their wallets. As a concept, financial stability as well as financial freedom is easy to understand but achieving and maintaining it is a whole new story. Today, millions of individuals around the world are struggling with money issues, some of which are caused by the outbreak of COVID-19. However, there are those contending with bad credit, in particular, as a result of ill-informed decisions, mismanagement, and more. Widely acclaimed for the extent to which it helps clients get their credit into shape, Workout My Credit Solutions, LLC has emerged as a go-to venture that is currently making waves in the industry.

Also Read | Top 9 Upcoming Credit Repair Companies

This emerging powerhouse was launched by Nicole Fisher, a 25-year-old serial entrepreneur who has earned recognition for her all-out attitude toward lending people a hand through her initiatives. Highly cognizant of the impact of bad credit on one’s financial health, she started Workout My Credit Solutions in May 2020 and, since then, has been making it possible for clients to get approved for credit cards, mortgage loans, and auto loans, to name a few.

In just a year, the credit repair company has seen impressive growth, reaching remarkable heights due to its consistent delivery of top-notch services. Apart from restoring one’s credit into its former glory, Workout My Credit Solutions also delivers financial education because it believes in the importance of equipping clients with the knowledge they need to handle their money better. It acknowledges the existing gaps in the current educational system where ample attention is not given to arming people with the skills they need to secure a financially stable future. “Our goal is to help clients understand how credit works while they are in the process of getting it fixed,” shares Nicole Fisher.

Also Read | Top 9 Upcoming Credit Repair Companies

Additionally, Workout My Credit Solutions, under the leadership of Nicole Fisher, enables clients to get pre-approved mortgage loans after having their credit repaired by this five-star company. The additional service is strategically designed and incorporated into its inventory of offerings to translate into reality the dreams of those wishing to own a home.

On track to taking center stage, Workout My Credit Solutions has been on the receiving end of excellent reviews from everyone who has come under its wing. It takes pride in the long list of accomplishments it managed to snag under its belt shortly after its establishment and is set to reach the forefront of the industry in the coming years.

With its dedication to pushing people toward financial freedom, Workout My Credit Solutions is bound to remain an impressive force. As it carves a path toward the summit, it plans to continue serving as a leading authority in credit repair and financial education.

Bad Credit Credit Cards – Workout My Credit Solutions Rises as an Authority in Credit Repair and Financial Education

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Credit Repair Companies

How Credit Repairers Work – Do They Really Help? – Latest News, Breaking News, Top News Headlines



According to the Condusef, credit repair companies, as their name indicates, are companies that can negotiate your debts and even clean up your negative image in the Credit Bureau. The body points out that it does not exist as a legal figure.

Credit repair firms are not supervised by the government and the way they operate is determined by their employees. The offer that they make to erase your credit history in the Credit Bureau in exchange for money is not possible, they cannot do it.

Some repair companies support people whose debts are greater than 30,000 pesos. Photo: My Pocket.

Some repair companies support people whose debts are greater than 30,000 pesos, on credit cards, debit cards, loans or departmental cards. Users may be behind with their payments, or have reached over-indebtedness or inability to pay.

Functions of credit repairers:

The Condusef points out that credit repair companies offer these services:

Legal and financial advice: They consider your income, your expenses and the debts you have, then they calculate the amount of money that you can dedicate to pay your debts or if they can get you another loan to put together the payment scheme. They negotiate on your behalf: They negotiate the restructuring with the credit institutions and also negotiate the reduction to the amount of your debt. They divert the calls of the collection offices to them: An attractive aspect of the service that the repair companies offer is that they free you from the phone calls of the collection offices of your creditors.

The Condusef clarifies that the discounts or discounts offered by credit repairers depend on negotiation and the goodwill of your creditors.

If you consider necessary the intervention of a repair company to solve your payment problems, the Condusef suggests that you analyze the contract, see if you agree with the conditions established there, the cost, in short, everything that they indicate and what would happen if you drop out of the program or fall behind, once again, with payments.

The Condusef also warns that some repair companies charge for each phase of the process and others a monthly fee or a percentage of the decrease in your debt.

The Condusef recommends, if you find yourself in trouble paying your debts, that instead of requesting the services of a credit repair company, you go to any credit institution that you owe and with them you see the possibility of renegotiating the payment conditions .

More information in our Credits Section.

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Credit Repair Companies

Intel Credit Consultants launches their new website – Press Release



With their new website launch, Intel Credit Consultants is seeking to serve its clients better and effectively by providing an easy to navigate platform

Credit repair company, Intel Credit Consultants has launched a new website. While making the announcement, the lead consultant at the company said they are seeking to provide better services to their customers at a time when people have been negatively affected by the effects of COVID 19 on the economy. The new website according to the company representative is easy to use and navigate with visitors finding what they need easily and quickly. “We are providing a platform where our customers and visitors can get all the information they are looking for easily. We understand the pain that people go through as they seek for information on credit repair, our newly upgraded platform is arranged in such a way that answers that you seek are answered and to your satisfaction,” said the company representative while articulating some of the features  they have included  to make their platform more user friendly and informative.

Apart from sections that articulate the company services and other related information, the website also contains a blog section where customers and visitors can find articles written by professional credit repair specialists. “As a company that believes in equipping its customers with information which help them make informed decisions , we will be posting well-researched and detailed articles that educate on credit repair and other financial matters,” said the company representative adding that this information is vital for any individual or business that is seeking to boost financial position.

Intel Credit Consultants has been providing credit repair services to its customers for a number of years growing to be one of the most trusted and reliable companies. According to the company representative, they are highly rated in the Google Reviews, something he attributed to quality services and superior customer support they have been providing to their customers. He added that with the new website, they will reach out to more people who are looking for credit repair assistance.

The credit repair company offers several packages including: Credit Wiz package which is a onetime purchase that allows lifetime access, gives access to documents and an option to become affiliate referrals. Finance plus package offers the customer different ways to remove negative info. Powerhouse package, elite credit repair and Elite financial repair are the other packages that customers can subscribe to, each providing several features which the company representative says are all aimed at providing superior credit repair services. The company spokesperson invites people seeking for credit repair services to visit the website and learn more about the packages.

For more information visit:

About Intel Credit Consultants

Intel Credit Consultants is a credit repair company that prioritizes on clients’ needs making sure they are equipped with information that helps them make informed credit decisions. The trustworthy and hardworking credit repair firm aims at helping its clients reach their full financial potential.  They are known for fast credit repair services targeting at seeing real improvement in client’s credit score in less than six weeks.

Media Contact
Company Name: Intel Credit Consultants
Contact Person: Media Relations
Email: Send Email
Phone: 866.990.7175
Country: United States

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