The Credit People Review

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Reviewed by: Ricky Ingram
  • Refunds the last month’s payment to unsatisfied customers
  • Score tracking on TransUnion, Experian, and Equifax
  • Good track record of more than 15 years
  • Unlimited custom challenges
  • Offers a flat-rate six-month subscription at $74 less
BBB Rating: C+
Setup fee: $19
Monthly fee: $79
  • The lowest setup fee in the industry
  • Provides help beyond credit repair
  • No complex pricing options making it easy to start
  • Toll-free customer service lines
  • Mid-term cancellation without any charges
  • Free consultation doesn’t include a lot of value
  • No profiles or credentials of its experts

If you search the internet for reliable credit repair firms, you will come across many The Credit People reviews. It is a well-known credit repair company in the industry that offers some great features.

Not many people are fully aware of what credit repair firms do or why they need to hire one. The Credit People’s aim is not only to help repair credit but also to educate people about the importance of good credit.

In this The Credit People review, we’ll have a critical look at the company including The Credit People plans, monthly fee, sign up process, and customer service to help you understand how the company fares.

Let’s start with our review:

What is The Credit People?

As the name suggests, The Credit People is a company offering credit repair services and educational resources to people interested in improving their credit scores.

The main aim of the company is to improve your credit score by identifying and minimizing unfair amounts including aged debts and errors. The team consists of FCRA-certified and experienced agents including people trained in credit repair law.

Launched in 2001, the company is giving competition to other big names and enjoys good ratings on the internet. Most reviews and testimonials are quite positive, and people seem to be fans of not just the services but also its excellent customer support.

They help users in the following ways:

  • By disputing questionable and unfairly reported charges.
  • Providing credit monitoring services.
  • Provide tips on how to improve your credit score.
  • Known for offering a prompt review and removal of negative items.
  • Offer 24/7 access to your account via a simple to use dashboard.

The Credit People Benefits

The best part about the company is the ‘7-day trial’ it offers to help you find out how it works and what kind of services to expect if you sign up for a long time. Marketed as a demo, you can use the service for $19 with full access to features. However, don’t expect to get any items removed from your list as it can take the company weeks to provide results.

You don’t have to worry about office hours since the company offers 24/7 customer service via an off-hours support center. However, the physical office is only open five days a week.

How Does The Credit People Work?

It is very easy to use the platform. Sign up for an account and provide the required details. The process is easy and will only take a few minutes.

You will be asked to choose your preferred plan and pay the fee before you can move ahead. Once done, the company will start to review your credit report and provide you with access to your credit scores and reports.

This is a major plus because most credit repair firms provide summaries and not full reports. With The Credit People, you will be able to have a look at your complete report to have a clear understanding of your financial condition.

The company mainly considers the three main reports: Experian, Equifax, and TransUnion.

In this first step, the company will review your report and find questionable items. A few things it can remove include:

You have constant access to your credit score, so you can see how and when the company cleans it up. The website has been designed professionally and is interactive, which makes it pretty fun to use.

You will get access to an online portal that can be used to view your account details including updates on what creditors and landlords can view on your credit reports.

While you can do everything on your own that The Credit People do for you, the true value lies in time savings and reliability. You might not be able to identify all issues in your report or you might not know who to contact to get things corrected.

This is where the company’s expertise comes into play. They’ll send notices to remove items with proof that they’re incorrect or unjustified. They have specialists to negotiate with agencies and creditors and will work relentlessly to ensure you get rid of incorrect items.

You will be able to view the latest updates using the dashboard. Plus, the company will send you timely emails to let you know about the latest happenings. If you’re working with the company then make sure to pay attention to these emails as they can help develop a strategy to sustain and improve your credit. They’re written for individuals and are not stock emails.

Pros vs Cons of The Credit People

Here are some of the pros of choosing the company:

  • Guarantee. Plans come with a satisfaction guarantee. If you are not happy with the services, you will have a chance to get in touch with the agents and request your money back within 60 days.
  • No Hidden Charges. One of the greatest benefits of working with The Credit People is clarity. The company charges no hidden fees. You will only pay what you sign up for.
  • No Limits. The Credit People is one of the few credit repair companies to offer affordable ‘no limit’ plans. This means you will get a chance to have all unjustified or incorrect items removed without having to pay extra charges.
  • Discounts. The company offers an impressive spousal discount of $40 ($20 each) to new customers. In addition to this, it also offers a prepayment discount to customers who pay for six months in advance.

Here are some of the cons of choosing this company:

  • Not for Everyone. The Credit People might not be suitable for everyone. For example, they do not guarantee bankruptcy removal despite having a 30 percent success rate.
  • Only One Plan. The firm offers a single plan, which may not be suitable for most users. There is a flat-rate membership option but it is too costly.
  • No Individual Account Managers. The company does not assign account managers to each account. This is a con because you will probably not be working with the same person throughout the tenure. It can make communication difficult.

Good The Credit People Reviews

Checking third-party sites for The Credit People Credit repair reviews may be challenging as they have few reviews. For instance, their unclaimed Trustpilot page only has one review. So, we choose to showcase positive reviews featured on the credit people’s website.

positive reviews on the credit people's website

In this highlighted feedback, the customer said that the company did a great job improving his scores to 700. He stated that he would be happy to refer more people and mentioned the company representative who helped him.

The Credit People customer review

Another customer from Virginia was pleased with the exceptional service. He stated he was not the most organized, that’s why he went with the company. The Credit People managed to raise his scores by 72 points.

The Credit People complaints

The Credit People is one of the leading brands in the repair industry. But as you may know, it’s impossible to please everyone. Some consumers have experienced challenges with the service. While this is true, we consider how the company has responded to complaints, with samples from their page.

The Credit People complaints

In this one-star review, the customer complained about the approach used by The Credit People to dispute negative items by stating that they disputed all negative items. He questioned their blanket approach, saying that it may backfire.

The Credit People complaints responded by stating that they don’t challenge all negative items at once or use a blanket approach. They clarified their credit repair process by stating that they dispute 50% of negative accounts for each round. The company rotates the disputes as it’s the best practice. The disputes are personalized since they prepare custom letters. They reiterated that they have been offering credit repair services for over two decades and know what works. complaints

In this second example, the customer complained about paying $80 per month since September 2020 but not seeing any changes with their credit scores. They wanted a full refund.

The Credit People complaints response

The Credit People responded, stating that the refund policy gives customers the right to cancel anytime without being billed for the current month. As an additional courtesy, they refunded the previous month’s payment. The team even confirmed that there were two removals.

We noted that all negative The Credit People reviews received a response quickly. They claim to have great customer service, and their track record is indeed consistent.

The Credit People Prices

The company has a simple and straightforward structure. You can choose from two plans:

Monthly Membership

It starts at $79 per month. You will also have to pay a one-time fee of $19. The package comes with no conditions, and you can pay as you go. How much will The Credit People cost for the first month? New customers will pay about $98.

Its main competitors, Credit Saint and Lexington Law, charge more than $100 on their full-feature packages. So, compared to similar competitors, the firm is quite affordable. The company further claims that their monthly membership has “no risk.” Well, that’s because customers can cancel at any time without being billed for services rendered for the current billing cycle.

Flat-rate Membership

It costs $419 for six months of service. This plan includes all the services the company offers.

The Credit People Plans

The flat-rate plan can be great for users who trust the company and do not want to make monthly payments. Plus, it comes at a discounted rate but not everyone may need it. If your case is not very complicated, you could get done with the whole process in less than six months. This is why we suggest that you first consider a monthly plan.

Other than this, there is also a 1-week trial for $19. We think The Credit People cost is pretty decent.

The Credit People Alternatives

Here are some more companies offering similar services:

The Credit People vs Lexington Law

Lexington Law has the edge over The Credit People because it’s one of the few companies that offers access to credit repair lawyers. They also have more account features such as mobile applications, identity protection resources, and FICO score updates. In regards to the monthly payment, customers will pay between $89.85 to $129.95 for Lexington Law services.

The Credit People maintains an edge when it comes to offering affordable services. They only have one package at $79 with an initial setup fee of $19.

The Credit People Lexington Law
Year Founded 2001 2004
Upfront Charges $19 $0
Guarantee 60 Days No
Starts As Low As $19 (1 week) $89.95
Most Expensive Plan $79 $129.95

The Credit People vs The Credit Pros

The Credit Pros has built up a reputation for offering the best value at affordable prices. Are they actually cheaper? Well, the company’s cheapest plan goes for $69 with a setup fee of $119. That means that you’ll pay about $188 compared to just $98 with The Credit People.

They also have more expensive plans at $119 and $149 per month. Their biggest advantage may be that all plans come with ID protection services and personal finance tools like a budgeting system. The Credit Pros also provide mobile apps.

The Credit People The Credit Pros
Year Founded 2001 2009
Upfront Charges $19 $119 to $149
Guarantee 60 Days Up to 45 days
Starts As Low As $19 (1 week) $69
Most Expensive Plan $79 $149

The Credit People vs is one of the oldest names in the business. They provide extra features such as FICO Score updates and mobile apps for easier progress tracking. The biggest drawback of is the lack of a money-back guarantee.

The Credit People’s pricing is simpler as you can only choose from one package. Their 6-month membership plan comes with a complete satisfaction guarantee. even issues the last month’s refund to unsatisfied customers.

The Credit People Credit Repair
Year Founded 2001 2012
Upfront Charges $19 $70 to $120
Guarantee 60 Days No
Starts As Low As $19 (1 week) $69.95 per month
Most Expensive Plan $79 $119.95
BBB Rating: C+
Setup fee: $19
Monthly fee: $79


According to the companies, most clients begin to see results within 60 days. If you see no movement in 2 months, you will have the option to contact the company and request a refund.

The company is known for being reliable and getting unfair charges removed from credit reports by getting in touch with credit bureaus and other parties involved. While this can have a positive impact on your credit score, there are no guarantees that the removal of one or more items will improve it.

However, according to the company, it can help improve credit rating by up to 30 percent, which is pretty good, but we haven’t seen a lot of The Credit People client reviews that verify this figure and most users see smaller improvements.

Yes, this firm is a legal credit repair service. It is registered and licensed with the authorities. If you check The Credit People BBB page, you will see that it is not accredited, which can be a trouble for some but we must mention that there are very few companies in this niche with a BBB accreditation. However, there are some complaints against the company but we found nothing serious.

You can cancel your subscription by contacting the support team and informing them of your decision. There are various ways to reach out to the support staff, including:

The company recommends customers to call, as it offers the fastest way to have an issue resolved. How do you know about the best time to cancel? You may end your membership if you feel that you’re satisfied with the progress. The account manager may also advise on the best time to cancel if they feel that they have performed all necessary interventions.

Is The Credit People a Good Credit Repair Company?

The Credit People legal credit repair service department knows what it is doing. The company is one of the best credit repair services providers and serves a variety of clients. You can start with a week-long trial to see how it works or sign up for a longer package if you need more issues to take care of.

The company is legitimate and can help remove incorrect items from your credit report. We also like that they charge a simple monthly fee of $79 per month. They have been operating for a long time without any infractions from the Consumer Protection Bureau for questionable practices, unlike some of their competitors.

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