The Credit People Review: The Details You Need to Know

Updated: 20th Jan 2021
Written by Drew Cheneler
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The Credit People

The Credit People is a legit credit repair company that helps consumers file disputes with all three credit bureaus, remove negative items from their credit report, and restore their credit. They bring years of experience to the table and proven results.


In this review, we cover The Credit People, one of the best credit repair companies around that has carved out a niche in the industry due to their top notch results and customer service. 

Fret not, this an in-depth The Credit People review, where we highlight the price, benefits, and so much more. Let’s dive in!

The Credit People Review – A Quick Overview

Founded in 2001, The Credit People is one of the  best credit repair companies around. To date, they have helped thousands of Americans improve their credit score.

Having processed over 310,000 credit reports, it is safe to say The Credit People is operated by a team of professionals who know what they are doing when it comes to repairing credit.

Benefits of The Credit People

  • As they tout, Lowest Fees in the Industry
  • 24/7 Account Access – Enjoy tracking your progress in real-time.
  • Free Credit Reports & Score – The team at The Credit People will work with you to sift through your credit report line-by-line.
  • Robust Educational Resources – The Credit People is dedicated to helping you understand the importance of strong credit. Their educational resources are second to none.

Downside of The Credit People Credit Repair 

  • Does not offer Credit Monitoring Services
  • Better Business Bureau rates them with a C. But this is the most common score for all credit repair companies because it is an industry that is not talked about nearly as much as others.

Who Are The Credit People?

With over 15 years of industry experience, The Credit People is a premiere credit repair company. The Credit People offers numerous solutions to help you improve your credit score. Backed by a team of experts, this credit repair company can solve even the most complex credit issues.

The Credit People Review: Your One Stop Show to Improving Your Credit Score

Their team of credit repair experts are notorious providing all customers with top notch customer service and improving their credit scores. Of course, their team complies with all laws and regulations set forth in the Fair Credit Reporting Act.

What Does The Credit People Do? 

The Credit People is your one stop shop for repairing your credit. Once you sign up, an expert on their team will thoroughly review your credit report identifying negative items – or rather, items that need to be removed from your credit report.

Once they identify these negative items (which are holding back your credit score), The Credit People will file formal ‘challenges’ or disputes with the three credit bureaus (Experian, Equifax, & Transunion).

How Much Does The Credit People Cost? 

Don’t worry, for a credit repair company, The Credit People offer the lowest fees in the industry. They offer two packages, both of which include all that they have to offer: Monthly Membership & Flat Rate Membership.

  • Monthly Membership – $79/Month
  • Flate Rate Membership – Six Month Service for $419.

What Credit Repair Services are included?

  • Straight Forward Pricing
  • 24/7 Account Access
  • Free Customer Service
  • Guaranteed Satisfaction
  • Data Driven Results
  • Free Credit Report & Score
  • Unlimited Disputes!
  • Direct Communication with Creditors
  • Inquiry Validation
  • Help with other financial issues beyond Credit

Like we said earlier, both rates offer the same level of service; however, the flat rate membership can save you $74.

We all have different financial needs, so make sure to pick the package that aligns with your financial goals and obligations.

What Does The Credit People Cover? 

With The Credit People, you get direct access to a team of credit experts. Currently, The Credit People covers debt validation, free credit reports & scores, inquiry validation, bankruptcies, and repossessions.

From removing a negative item on your credit report, to challenges with bankruptcies, and everything in between, The Credit People can help you navigate these complex issues.

How Long Does The Credit People Take To Repair Your Credit? 

Remember, per rules and regulations set forth by the U.S. Government, credit repair agencies can’t guarantee results. This is to protect the consumer from lofty unattainable credit score increases.

However, as their previous customers reveal, The Credit People delivers strong results.

When The Credit People file disputes with the three credit bureaus, they have 30-days to respond or else the negative items are removed from your credit report.

Now you will not see results within the first month, but most customers start to see their credit score increase within 45-60 days which makes sense. This is enough time for the credit bureaus to respond to your disputes and remove the negative items.

As you know, repairing your credit is a long process; however, if you remain patient and stick to the plan The Credit People created, you will be rewarded.

Who Is The Credit People Best For? 

The Credit People is ideal for those with poor credit, or those who would like a quick credit clean up before they apply for a loan or mortgage.

A small increase in your credit score can save you thousands and thousands of dollars in interest payments.

Additionally, partnering with a credit repair agency saves you time. Sure, you can repair your own credit but be prepared to dive deep into the nuances of filing disputes and complying with complex governing laws and regulations.

Working with a credit repair company allows you to rely on their expertise. They will get the job done the right way and on time.

How Do I Sign Up For The Credit People? 

Signing up for The Credit People is a straightforward and easy process. You have two options, you can either sign up by phone or online (which we recommend).

An in-depth review of The Credit People. Sign up today to repair your credit.

The Credit People can be reached at 866-382-3410 or on their easy-to-use and elegant website. Also, if you are still unsure if you want to partner with The Credit People, go on ahead and enjoy a free credit consultation.

How To Contact The Credit People

Once you sign up, you get access to their robust online portal, where you can track your progress and speak to credit experts via online chat.

You also can call them at 866-382-3410 or email them at [email protected]. Evidently, their staff is incredibly responsive, helpful, and eager to assist you in anyway possible.

Are they Legit

Yes! With over 15 years of experience and servicing more than 100,000 customers, The Credit People are one of the most reputable and legit credit repair companies in the industry.

Their team is well versed and highly trained in the governing laws, such as the Fair Credit Reporting Act, The Fair and Accurate Credit Transaction Act, and the Fair Debts Collections Practices Act. Rest easy, with The Credit People you are in good hands.

Alternatives to The Credit People:

  • Lexington Law – Most Popular Credit Repair Company.
  • Credit Saint – A reputable credit repair company with years of experience.

The Credit People Review: Is It The Right Choice? 

Whether you need a quick credit fix or are on the market for dealing with the intricacies of a bankruptcy, The Credit People is your solution.

Powered by a team of credit experts, they are notorious for delivering exceptional results and standout customer service. partnering with The Credit People is a great first step towards living the financial life you deserve.

Gone are the days where you have to pay an absurd amount on interest payments. With The Credit People, you most likely will increase your credit score, be educated, and truly understand what negative items exist on your credit report.

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