Client Login
THE 90-DAY CHALLENGE
90 Days.
Better Credit.
Imagine where your credit could be 90 days from now. Give The Credit People 90 days to work on your credit and watch your progress along the way. You judge the results. If you're not happy with the progress we've made, we'll keep working for FREE. This is a limited-time offer: Take our 90-day Challenge!
Satisfaction Guarantee
Over 200,000+ Items Removed
A+ BBB Rating
Give us just
90 days.
- Start your 90-day challenge today.
- Watch the progress along the way.
- After 90 days, you judge the results.
- Not satisfied? We'll keep working for FREE!
We've recently introduced an accelerated dispute process designed to help move your credit work forward faster. Give us the next 90 days and see what we can accomplish with your credit.
If you're not happy with the progress we've made after 90 days, we'll continue working on your credit for up to three additional months at no charge.
No catch. You decide if we've delivered.
Start My 90-Day Challenge!
Enter promo code: "90DAYS"
Not sure if you need our help?
Call and find out: 866-382-3410
The Possibility Calculator™
Slide to see your new reality. Watch what happens to your borrowing power.
YOUR POTENTIAL SAVINGS
At Score: 580
$300k Mortgage
$2,194/mo
$40k Auto Loan
$891/mo
Real Experience. Real Results.
We've spent more than two decades helping people take control of their credit. We've seen almost every kind of credit situation — and we know how to get to work.
“My score is up 62 points now. I've been dealing with this for so long — you have no idea how great this is to see.”
How Your 90-Day Challenge Works
1
Start Your 90 Days
Sign up, complete your order and enter promo code 90DAYS. Your 90-day challenge begins.
2
Watch Your Progress
We get to work on your credit. Follow your progress and updates right inside your account.
3
You Judge the Results
After 90 days, you decide how we've done. If you're not happy with the progress, we'll continue working for you FREE for up to another 90 days.
DON'T WAIT FOR "SOMEDAY"
Don't Wait Until You Need Better Credit.
Maybe you’re not buying a house or car today. Maybe you’re not applying for an apartment, refinancing, or looking for a new credit card. That’s exactly why now is a good time to work on your credit.
Credit doesn’t change overnight. And the worst time to discover your credit is standing in your way is after you’ve found the house, car, apartment, loan—or opportunity—you want.
Give yourself the next 90 days.
Start now, while you have time on your side, and see how much progress we can make before the day your credit really matters.
- We do the work. Once you're started, we handle the credit repair process for you.
- You watch the progress. Log into your account anytime and see what's happening.
- You're in control. You can cancel anytime. No obligation, no risk.
Start My 90-Day Challenge!
Enter promo code: "90DAYS"
Questions? Call anytime:
What's Holding Your Credit Back?
Every credit report is different. That’s why we start by looking at yours.
We review your credit reports for negative information and reporting issues that may be inaccurate, incomplete, outdated, duplicated, or otherwise worth challenging. Then we get to work on the items that can be addressed and keep you updated along the way.
Late Payments
Removing late payments will restore the account from negative to positive, instantly.
Collections
Accounts in collection that may need to be reviewed or challenged.
Charge-Offs
Negative account reporting that may contain inaccuracies or inconsistencies.
Repossessions & Foreclosures
Major negative items that deserve a careful review.
Identity & Reporting Errors
Accounts, balances, dates, or personal information that doesn't belong or isn't reporting correctly.
...And More
Bankruptcies, inquiries, duplicate accounts, outdated information, and other credit-report issues.
You don't have to figure out what to dispute—or do it yourself.
We review the reports, identify what may be worth addressing, handle the credit-repair process, and let you follow the progress from your account.
Real Results. Real Possibilities.
See what customers were able to qualify for after improving their credit with The Credit People.
Start My 90-Day Challenge!
Enter promo code: "90DAYS"
Not sure if you need our help?
Call and find out: 866-382-3410
The Next 90 Days Are Going to Pass By Either Way.
Imagine where your credit could be 90 days from now, and let's make it happen.
Start My 90-Day Challenge
Enter promo code: "90DAYS"
Not sure if you need our help?
Call and find out: 866-382-3410
Ready for Your Success Story?
The future is brighter when more doors are opened for you.
I honestly didn’t think anything could fix my credit after years of missed payments and debt. But this team worked miracles. They helped me remove old accounts and coached me on how to rebuild. Now I just got approved for my big loan—on my own!
They treated my credit like it was their own. Within a few months, my score jumped over 100 points. I finally qualified for the business credit card I needed to grow my company. 100% recommend!
I had no clue where to start with my credit, and they did everything. Super responsive, honest, and helpful. My score is finally up there.
After college, my credit was a mess from student loans and bad decisions. This team didn’t judge—they just got to work. I’m seeing real results. It feels good to be in control again.
I was skeptical at first, but wow—these folks are the real deal. They found errors on my report I didn’t even know were there and got them removed. My score has gone up steadily ever since. I tell all my friends about them now!
We were so nervous we wouldn’t qualify for a mortgage, but this service walked us through everything. They cleaned up old collections and helped us get our credit ready. We can apply now/soon—couldn’t have done it without them!!
I needed better credit to get a decent car for work. After working with them, not only did my score improve, but they taught me how to keep it that way. Super locked in with my finances now.
Divorce really messed up my credit, but this team helped me bounce back. They were kind, professional, and kept me updated every step of the way. Now I have a credit card with a real limit—and peace of mind.
After serving, I came home to a credit mess I didn’t fully understand. This company helped me clean it up and explained everything in plain English. Now I’m approved for a VA home loan. Couldn’t be more grateful.
Life happens. Medical bills, late payments—you name it. My score was frozen and a mess. I finally feel like I’m getting ahead now. If you’re thinking about doing this—do it. It works.
They were upfront about everything—no hype, just results. They removed two collections and helped me open a secured card. Six months later, I’m over 700. Best investment I’ve made this year.
Credit was always confusing to me, but this team made it make sense. They fixed errors I didn’t even know were hurting my score. I have my plans in place and I’ve started saving!
I didn’t know anything and I wasn’t sure what needed to get done or how to do it. They did get it all done for me and I think they did great!!!
From the first phone call, they made me feel heard. They helped me set goals and stick to them. It’s been a bit but my credit has never looked better and my score is a 710!
I travel a lot for work, so I needed someone I could trust to handle things while I’m on the road. They kept me updated and were always available. My credit score is up 120 points and climbing!
My credit got destroyed during my divorce. They were patient, thorough, and totally professional. David did a great job answering everything. I feel like I have a clean slate.
As a stay-at-home dad I wanted to rebuild my credit so I could contribute more financially. You guys got the job done!
I had zero credit history which was just as bad as bad credit. They helped me build my credit from scratch and now I’m approved for my first apartment without a co-signer!
Juggling side hustles made it hard to stay on top of my finances. This service helped me organize everything, remove negative marks, and build my score back up. They truly understand real-life situations.
I honestly didn’t think anything could fix my credit after years of missed payments and debt. But this team worked miracles. They helped me remove old accounts and coached me on how to rebuild. Now I just got approved for my big loan—on my own!
They treated my credit like it was their own. Within a few months, my score jumped over 100 points. I finally qualified for the business credit card I needed to grow my company. 100% recommend!
I had no clue where to start with my credit, and they did everything. Super responsive, honest, and helpful. My score is finally up there.
After college, my credit was a mess from student loans and bad decisions. This team didn’t judge—they just got to work. I’m seeing real results. It feels good to be in control again.
I was skeptical at first, but wow—these folks are the real deal. They found errors on my report I didn’t even know were there and got them removed. My score has gone up steadily ever since. I tell all my friends about them now!
We were so nervous we wouldn’t qualify for a mortgage, but this service walked us through everything. They cleaned up old collections and helped us get our credit ready. We can apply now/soon—couldn’t have done it without them!!
I needed better credit to get a decent car for work. After working with them, not only did my score improve, but they taught me how to keep it that way. Super locked in with my finances now.
Divorce really messed up my credit, but this team helped me bounce back. They were kind, professional, and kept me updated every step of the way. Now I have a credit card with a real limit—and peace of mind.
After serving, I came home to a credit mess I didn’t fully understand. This company helped me clean it up and explained everything in plain English. Now I’m approved for a VA home loan. Couldn’t be more grateful.
Life happens. Medical bills, late payments—you name it. My score was frozen and a mess. I finally feel like I’m getting ahead now. If you’re thinking about doing this—do it. It works.
They were upfront about everything—no hype, just results. They removed two collections and helped me open a secured card. Six months later, I’m over 700. Best investment I’ve made this year.
Credit was always confusing to me, but this team made it make sense. They fixed errors I didn’t even know were hurting my score. I have my plans in place and I’ve started saving!
I didn’t know anything and I wasn’t sure what needed to get done or how to do it. They did get it all done for me and I think they did great!!!
From the first phone call, they made me feel heard. They helped me set goals and stick to them. It’s been a bit but my credit has never looked better and my score is a 710!
I travel a lot for work, so I needed someone I could trust to handle things while I’m on the road. They kept me updated and were always available. My credit score is up 120 points and climbing!
My credit got destroyed during my divorce. They were patient, thorough, and totally professional. David did a great job answering everything. I feel like I have a clean slate.
As a stay-at-home dad I wanted to rebuild my credit so I could contribute more financially. You guys got the job done!
I had zero credit history which was just as bad as bad credit. They helped me build my credit from scratch and now I’m approved for my first apartment without a co-signer!
Juggling side hustles made it hard to stay on top of my finances. This service helped me organize everything, remove negative marks, and build my score back up. They truly understand real-life situations.
Start My 90-Day Challenge!
Enter promo code: "90DAYS"
Not sure if you need our help?
Call and find out: 866-382-3410