The Credit People Review (2023)

Written by Kim PinnelliUpdated: 6th Feb 2023
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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, 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. Find out who The Credit People are, what they offer, and how much its credit repair services cost.

Who Are The Credit People?

With over 15 years of industry experience, The Credit People dub themselves as “Credit superheroes.” Put simply, they are a credit repair company that offers numerous solutions to help you improve your credit score.

Complying with all laws, such as the FCRA, The Credit People provide customers with 24/7 account access, free credit reports, Unbeatable Satisfaction Guarantee®, debt validation, unlimited disputes, and so much more.

Is The Credit People Legit?

What Does The Credit People Do?

The Credit People is your one-stop-shop for repairing your credit. On your behalf, The Credit People will review your credit report, will identify negative items damaging your credit score, and will file disputes with all three credit bureaus.

This level of detail and care is hard to find in an industry plagued with fraudulent companies over-promising and under-delivering.

However, filing disputes is just the beginning of what The Credit People will do to help you take back your credit.

Here is a complete list of services provided by The Credit People:

  • Unlimited Disputes
  • Creditor Interventions
  • Debt & Inquiry Validation
  • Toll-Free Support
  • Customed Credit Priorities
  • Certified FCRA
  • Escalated Disputes

How The Credit People Works

Once you signup, The Credit People will assign a personal case advisor who will be with you every step of the way.

This advisor will review your credit report(line-by-line) and identify negative items damaging your credit score.

Once they have compiled a list of all inaccurately reported items, they will begin to file disputes with all three credit bureaus.

Additionally, The Credit People provides personalized services tailored towards your financial goals. For example, are you trying to refinance your mortgage?

Are you on the market for a new credit card? What about refinancing that student loan of yours?

Your customer representative will help you create a game plan that starts with a good credit score. As they tout on their website, customers can expect an “estimated credit score increase of 53-187 points.”

While this may be lofty, it will save you thousands of dollars down the road if achieved. A good credit score will help you lock in a new loan at a competitive interest rate, qualify for a rewards credit card, or even help you with future employment opportunities.

What Can The Credit People Remove From Your Credit Report?

No credit repair company can guarantee to remove anything from your credit report. By law, they can only remove items inaccurately reported.

That said, here is a list of items The Credit People will challenge:

The Credit People is one of the few companies that assist customers in removing bankruptcies and judgments from their credit reports.

However, this process is long, complex, and not a guarantee, but still a great additional service if needed.

Apart from removing negative items and filing disputes, The Credit People will also help you write debt validation letters and goodwill letters. These are two additional tactics used to repair your credit.

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

Remember, per rules and regulations, credit repair agencies can’t guarantee results. This is to protect consumers from lofty, unattainable promises.

However, as their previous customers reveal, The Credit People tends to deliver strong results.

When The Credit People file a dispute, the credit bureaus have 30-days to respond with “proof.” If sufficient proof is not provided, they have to remove the negative item from your credit report.

Normally, you will not see results within the first month. However, most customers start to see their credit score increase within 45-60 days.

Credit People Reviews

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. But if you remain patient and stick to the plan The Credit People created, you will be rewarded.

How Much Does The Credit People Cost?

The Credit Peopleoffers two membership packages: Monthly Membership & Flat Rate Membership. Both packages include the same services, features, and benefits but vary in pricing.

  • Monthly Membership. $19 startup fee & $79 a month
  • Flat Rate Membership. $419 upfront for Six Months of Credit Repair Service

The Flat Rate Membership will save you money, but it requires you to stick around for six months. The cost of credit repair varies by company, so it is important to compare all options before making a final decision.

The Credit People Advantages

  • Lowest Fees in the Industry: Most companies charge a $100+ startup fee. The Credit People only charge $19. Moreover, $79/Month is on the low end when compared to the industry average.
  • 24/7 Account Access: Customers can track progress in real-time. The Credit People routinely update your account and keep you informed on what actions they are taking to improve your credit.
  • Free Credit Reports & Score: The team at The Credit People will work with you to sift through your credit report line-by-line. Unlike other companies, The Credit People do not charge you for your credit report and scores. This is complimentary! 😊
  • Robust Educational Resources: Apart from personal consultation, The Credit People also give customers access to multiple educational resources. These guides and detailed articles will help you learn about credit and empower you to control your personal finances.
  • 60-Day Guarantee: Within 60-days, if you are unsatisfied with the services provided by The Credit People, they will refund you your money. So, if you are unsure, you can at least rest easy knowing you have the chance to get your money back.

The Credit People Disadvantages

  • Mixed Customer Reviews: The Credit People currently hold a C rating from the Better Business Bureau. In comparison, Credit Saint and Sky Blue Credit have A+ Ratings from the BBB.
  • Slow Customer Support: Previous customers complain about delayed response times and difficulty in reaching customer representatives.
  • No Credit Monitoring: While this isn’t a necessity, it certainly is nice to have. Other companies provide free credit monitoring on top of the credit repair services offered.

Who Is The Credit People Best For?

The Credit People is best for those with bad credit or those who would like a quick credit clean-up before applying for a loan or mortgage.

A small increase in your credit score can save you thousands of dollars in the form of 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 focus on your job, education, and family.

>> More: How to Fix Your Bad Credit Score

How to 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). You can sign up here.

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 Does The Credit People Compare?

While The Credit People is a great place for credit repair services, they are not our top choice, nor are they the best. Here are some alternatives to The Credit People that are worth considering.

#1. The Credit People vs. Credit Saint

When it comes to credit repair, Credit Saint is a clear industry leader. They pioneered the 90-day money-back guarantee are known for their excellent customer service.

Offering three credit repair packages (Clean Slate, Credit Remodel, & Credit Polish), Credit Saint will send unlimited challenges to all three credit bureaus.

Additionally, Credit Saint offers creditor interventions, Experian Credit Monitoring, an easy-to-use credit score tracker, and inquiry targeting. Each plan varies in level of aggressiveness, features, and benefits.

However, all packages are award-winning and the best in the industry, which is why we tend to recommend them over other services.

>> More: Credit Saint Review

#2. Sky Blue Credit Repair vs. The Credit People

Sky Blue is the only company in the industry that offers a 90-day condition-free money-back guarantee.

There are no terms or conditions other than the 90-day time limit that will void the guarantee. This stands in contrast to other guarantees, which is voided by the first deletion of a negative item from your credit report.

Sky Blue Credit offers one credit repair package that is affordable, efficient, and straightforward. They send disputes every 35-days and will provide tailored advice to help yourebuild your credit.

>> More: Sky Blue Credit Review

#3. Lexington Law vs. The Credit People

Lexington Law is the oldest credit repair firm in the United States. Currently, Lexington Law offers three packages: PremierPlus, Concord Premier, & Concord Standard.

Lexington Law will help you file disputes with all three credit bureaus, and you will work with a licensed lawyer. To highlight their results and customer satisfaction, customers traditionally stick around for 6 months.

Additionally, Lexington Law will also escalate disputes that are taking longer than usual and will provide you with complimentary credit monitoring depending on what package you purchase.

>> More: Lexington Law Review 

#4. The Credit People vs. Ovation Credit

Owned and operated by Lending Tree – the largest loan comparison marketplace in the world – Ovation Credit offers two credit repair packages that are affordable: Essentials Plan & Essentials Plan Plus.

Each plan comes with TransUnion credit monitoring, unlimited goodwill letters, debt validation letters, and tailored dispute letters.

Additionally, Ovation Credit offers multiple discounts (military, senior citizen, & couple), and they will help you refinance your current loans at a more competitive interest rate.

>> More: Ovation Credit Services Review

Frequently Asked Questions

Is The Credit People Legit?

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

Additionally, 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.

How Do I Contact The Credit People?

Once you sign up, you can speak to credit experts via their online chat through the online portal. You also can call them at 866-382-3410 or email them at [email protected].

How Do I Cancel Credit People?

You can cancel The Credit People online through the customer dashboard, or you can call the number listed on their website. You can also shoot them a quick email.

Is The Credit People Worth It?

All in all, The Credit People is worth it if you are on the market for credit repair. However, there are better alternatives elsewhere.

Bottom Line: The Credit People Review

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

On your behalf, The Credit People will interface with all three credit bureaus, will file disputes, and will help you repair your credit. That said, it is important to compare all options and make an informed decision.


To provide an unbiased and accurate review of The Credit People, we evaluated the company’s results, reputation, fees, support resources, online experience, security, and service offerings. These metrics are critical for consumers to consider and understand. To assess the reputation of the company we leveraged verified Google reviews, BBB, CFPB, and TrustPilot to collect data and information. Read our strict editorial guidelines and rating methodologies for credit repair companies to better understand the integrity of the review and our process. 


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Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.