April 11, 2024

The Credit People Review

Read more about The Credit People
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The Credit People has years of experience disputing inaccurate items. It offers various packages and features. But are they worth it? Read on.

5-point scale (the higher, the better)

Pros and Cons

  • Offers a Flat-rate plan
  • Satisfaction Guarantee
  • Lowest setup fees
  • No mobile apps
  • No credit monitoring
  • Limited customer support

Bottom Line

Affordable credit repair company with limited features

The Credit People is a credit repair company that's been around for more than 20 years. It can help remove late payments, collections, and charge-offs from your credit report.

However, its services can be lacking in customer support. Not to mention, other credit repair companies are just as reputable in repairing your credit report.

Are the services worth your hard-earned money? You'll find out by the end of the article.

What Is The Credit People?

The Credit People is a credit repair company that analyzes your credit. Then, it disputes the credit bureaus to remove questionable items from your credit report.

The Credit People has removed around 1.5 million negative items. Plus, it has helped over 100,000 clients challenge the credit bureaus and improve their credit over time.

According to a selected study by The Credit People, they have helped their clients raise their credit scores by more than 50 points.[1]

Who is it best for?

The Credit People is ideal if you have many negative items to dispute. $99 per month can be too expensive if you only have minimal negative items on your credit report.

Additionally, its services are available in all 50 states, so you won't experience limitations based on location.

What is your main reason for considering a credit repair service?

Who should skip it?

If you're not sure if you can afford it, you can start with a DIY credit repair or use credit builder loans to add more positive items on your credit report.

You may also try credit builder apps, which cost less than credit repair services. If you don't have a lot of items to dispute, you can opt for one of them instead.

That said, if you find The Credit People to be a suitable option for your needs, here are some pros and cons to further weigh it out.

Pros And Cons


  • 20+ years of experience
  • Free consultation before sign-up
  • Offers flat-rate pricing for 6 months (cheaper than the monthly plans)
  • No cancellation fee
  • Satisfaction Guarantee
  • Affordable $19 setup fees
  • Couple discount ($20 off each for the first month)
  • Track the dispute progress in your online account


  • Not accredited by the Better Business Bureau
  • Limited customer support
  • No add-ons or extra features
  • Fewer customer reviews despite its longevity
  • Lacks credit monitoring features to track changes in your credit report

What matters most to you when picking a credit repair service?

Pricing And Fees

The Credit People offers 3 packages. You can choose between the monthly plans or a flat rate plan that covers 6 months of service.[2]

Price$599 for 6 months$119/month$99/month
Setup fee$19
3-credit bureau
Unlimited challenges
Before & After credit scores
Monthly credit scores
Creditor interventions
Escalated disputes & validations

All plans include a Satisfaction Guarantee. If you're unsatisfied with the service, you won't need to pay for the current month.[3]

Additionally, opting for a Premium Flat Rate plan can save you money in the long run. Its monthly rate comes out cheaper compared to the Premium plan. Premium Flat Rate's $599 that covers 6 months costs around $99/month.

Although, you should take note of the additional $19 setup fee. This setup fee includes creating your online account and getting credit reports and scores.[4]

The Satisfaction Guarantee for the Premium Flat Rate covers its entire 6-month duration. That can provide you some confidence in The Credit People's credit repair service.

Given these prices, how do you know if The Credit People is worth the money? You can check out its features.

Credit Repair Features

Here are the features you can get depending on your package:

  • 3-credit bureaus
    All plans dispute and correspond with the 3 credit bureaus. You can also get your credit report and credit scores from Equifax, Experian, and TransUnion.

  • Unlimited challenges
    The Credit People does not limit the number of disputes and challenges to your plan. This works best if you want to dispute and remove many items that drag down your credit.

  • "Before & After" credit scores
    You can compare your credit scores at the beginning and the end of the credit repair service.

  • Monthly credit scores
    You'll get credit score updates every month in your online account. This lets you track credit improvements after successful removals and disputes.

  • Creditor interventions
    The Credit People assists you and can communicate with your creditors about your credit issues.

  • Escalated disputes & validations
    Sometimes, disputes don't result in a removal. But The Credit People will validate and dispute your negative items again to increase its likelihood.

Having said all this, are the services actually effective? Keep scrolling to find out.

Does The Credit People Actually Work?

Yes, The Credit People can actually help you with your credit. It is a legitimate company that's been around for decades. And it has removed about 1.5 million items for over 100,000 clients.

That said, you can say that this credit repair company has a solid track record. You can see improvements to your credit as early as 60 days from your sign-up and enrollment.[5]

In addition, all clients get a Satisfaction Guarantee. So, you can request a refund if you don't happen to like the service. The Credit People will give you your money back for the current month.[3]

If you signed up for a Premium Flat Rate plan, the entire six months are protected with the Satisfaction Guarantee.

Convinced yet? Then maybe you can sign up right away.

Have you ever tried a credit repair service like The Credit People?

How To Sign Up For The Credit People

The Credit People does not have any strict eligibility requirements. Here's how you can sign up for their service.

  1. Go to the sign-up page.
  2. Fill in your email, first name, last name, and phone number.
  3. Assign a password to your account.
  4. Confirm your account.
  5. Select a package.

Once you sign up, The Credit People will call you and send you a welcome email. Then, they will proceed to get your credit reports and credit scores.

How do I cancel The Credit People?
You can cancel your plan by calling The Credit People's customer support team at 866-382-3410. You may also send an email to questions@thecreditpeople.com or feedback@thecreditpeople.com.

Is The Credit People Legit?

The Credit People is legit and has been in the credit repair industry since 2001. Experienced professionals dispute and correspond with the credit bureaus on your behalf.

The Credit People team is even trained and certified with various credit repair laws, such as: [6]

  • Fair Credit Reporting Act
  • Fair and Accurate Credit Transactions Act
  • Fair Debt Collections Practices Act

If you're unsatisfied, you can cancel your package at any time without being charged for that month and get a refund for the previous month as well.

You can read reviews from previous clients if you're still in doubt about the company. They can help you decide if it's worth a try.

Customer Reviews

The Credit People has fewer ratings and reviews compared to other credit repair companies. Their average rating from the selected online platforms is:

ConsumerAffairs3.7 out of 5 ★ from over 28 reviews
Better Business Bureau (BBB)2.6 out of 5 ★ from over 15 reviews

Several clients, like Robert, have remarked on the quick response and gradual improvement to their credit.

This was a great company to work with. Over the course of a year, they helped us achieve a better score. As a result, we [got approved] for a home loan. We moved into our new home just a few months ago!! No issues with canceling [the] service when needed, and the customer support was always great. Would highly recommend. (From BBB review)

However, others have complained about zero progress. Marcus remarked about signing up for two years without any improvements since enrollment.

They took payments from me [starting] July 2019 to October 2021. I complained and was offered an additional 3 months for free. It ended last month. 2 years and 0 results; just more debt because that money could've [gone] somewhere else in my life instead of to a cookie-cutter A.I system they use. Terrible experience, waste of resources, emotional rollercoaster, and a joy killer. They work on promises they can't guarantee. 2 YEARS AND 0 RESULTS. (From BBB review)

Remember that signing up for credit repair services doesn't automatically guarantee your credit score will increase. Other factors, such as your current debts, other credit cards, and payments, affect your credit score.

The promise of credit repair companies is disputing and corresponding with credit bureaus on your behalf. Eventually, removals can result in better credit.

Customer Service

The Credit People has several customer channels you can try if you have any concerns. You can:

  • Call The Credit People at 866-382-3410
  • Email your inquiries at questions@thecreditpeople.com

Note that The Credit People offers a free consultation (you can book your schedule here). You can also find the company headquarters at 6975 S Union Park Avenue, Suite 600, Cottonwood Heights, Utah.

If The Credit People does not fit your needs, try the alternatives in the next section. You'll also get to view a side-by-side comparison.

How The Credit People Compares

There are other credit repair companies with varying fees and features. You may find a more suitable company in the following:

The Credit People vs Credit Saint
Credit Saint costs $79.99–$139.99 monthly, with a first work fee of $99.00 or $195.00.[7] Like The Credit People, Credit Saint offers unlimited disputes and gives you access to your credit reports.

Instead of a Satisfaction Guarantee, however, Credit Saint offers a 90-day money-back guarantee. Credit Saint will return your payment if they can't remove inaccurate items within 90 days.

Also, Credit Saint offers a personalized guide to rebuilding your credit. It's not something The Credit People features.

The Credit People vs Lexington Law
Lexington Law is more expensive than The Credit People standard plan. Lexington Law offers only one premium package that costs $119.95/month. Plus, first work fees are unclear, so you'll need to ask about them during your free consultation.

However, what sets Lexington Law apart is its Focus Tracks. Through these Focus Tracks, Lexington Law can provide a more tailored credit repair for an unexpected life event like divorce.

In addition, you get to work with lawyers who are experts in credit laws around the country. It's a good option if you are looking for aggressive credit repair.

Read our comparison guide for Credit Saint and Lexington Law to find out how two of the industry's most prominent companies differ.

The Credit People vs Sky Blue Credit
Sky Blue Credit has been around for three decades, offering credit repair since 1989. If you need fast credit repair, Sky Blue Credit may be better since they offer a 35-day dispute cycle. This means your dispute results can be 10 days faster than most services.

Sky Blue Credit's Individual Plan costs $79/month, while the Couples Plan costs $119/month.[8] The Couples Plan can help you save money if you want to sign up with another person.

In addition, both The Credit People and Sky Blue Credit offer a Satisfaction Guarantee. So you can be confident of their services. Otherwise, you get your money back.

Bottom Line

The Credit People is one of the most affordable credit repair services around. And if you're willing to pay for the Premium Flat Rate plan, it becomes cheaper than most premium plans.

You get protection from The Credit People's extensive satisfaction guarantee. And you can maximize unlimited disputes, potentially removing a lot of items impacting your credit.

You can track your credit score monthly, too. Some companies only track disputes and credit reports, while you need to pay more to get your credit scores. The Credit People already offers these features for less than $100 per month.


  1. ^ The Credit People. How It Works, Retrieved 02/17/2024
  2. ^ The Credit People. Pricing, Retrieved 12/23/2023
  3. ^ The Credit People. Unbeatable Satisfaction Guarantee, Retrieved 01/19/24
  4. ^ The Credit People. All the Cost Up Front, Retrieved 02/17/2024
  5. ^ The Credit People. Company Overview, Retrieved 12/23/2023
  6. ^ The Credit People. Corporate Overview, Retrieved 04/12/2024
  7. ^ Credit Saint. Packages, Retrieved 02/17/2024
  8. ^ Sky Blue Credit. Member Pricing, Retrieved 02/17/2024
Lexington Law

Free Online Credit Assessment

  • Free Credit Score
  • Free Credit Report Summary
  • Free Credit Recommendation
  • 5 Minutes to Check Your Credit
Sky Blue Credit

Get Started on Your Credit Repair

  • No charges for the first 6 days
  • 90-day guarantee
  • 45-day dispute cycle
  • Cancel service anytime

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