The Credit People Review: Pricing, Services, and Results

The Credit People is a credit repair service founded in 2001 with both monthly and flat-rate pricing options. Plans cost $99 or $119 per month, or $599 for a six-month flat-rate Premium subscription. Services include unlimited credit bureau disputes, creditor interventions, escalated dispute handling, and monthly credit score updates. The Credit People offers a money-back guarantee, with no setup fees or hidden costs.

Key Takeaways

• The Credit People offers flat-fee and tiered credit repair pricing, with monthly plans at $99 or $119 and a six-month Premium plan for $599 — a $115 discount if you stay active the full term.

• Founded in 2001, the company holds an A+ Better Business Bureau rating and has removed nearly 1.5 million negative items, though customer reviews are mixed across platforms and results within 60 days are not guaranteed for accurate negative marks.

• Choose The Credit People if you want budget-friendly repair for straightforward disputes and can commit to six months — look elsewhere if you need attorney-led help or faster, cheaper one-off fixes.

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What Is The Credit People? 

Founded in 2001, The Credit People has a quarter-century of experience in the credit repair industry. It stands out for having a unique price structure that includes both tiers and a flat-rate option, and dedicated, specialized teams for score analysis, credit repair, support and tech.

How The Credit People Works 

Customers of The Credit People start with a free consultation and credit report pull. The team then analyzes and explains the report, scours for negative items and inaccurate entries to challenge. Next, it files dispute letters with the bureaus, follows up, if necessary, and provides ongoing progress tracking through the online dashboard.

Services Offered 

The Credit People provides the following services, according to your subscription level:

• Unlimited challenges to all three bureaus

• All three before-and-after credit scores

• Freshly updated credit scores each month

• Escalated disputes and credit validations

• Creditor interventions

Pricing and Plans 

The Credit People has a pricing structure that’s unique among the industry’s major players. 

The Standard package costs $99 per month and includes unlimited challenges across all three bureaus, plus all three before-and-after credit scores.

The Premium plan costs $119 per month and includes everything in Standard plus all three reports and scores refreshed monthly, creditor interventions, and escalated disputes and validations. 

Tiered pricing is not unusual, but The Credit People stands out through its third offering, a discounted flat-rate six-month subscription to the Premium plan for $599. That’s $115 off for accounts that remain active for all six months.  

The company’s pricing is transparent, with no first-work or startup fees beyond the monthly cost. Also, The Credit People offers a no-questions-asked money-back guarantee — if you’re unsatisfied, cancel at any time and you won’t be charged for your current month and refunded for the previous month. 

Additionally, couples who join together get $20 off their first month each.  

Pros and Cons 

The Credit People has benefits and drawbacks to consider before you join. 

Pros

• Affordable pricing

• Flat-fee option

• Money-back guarantee 

• No hidden or add-on fees

Cons

• Less personalized service 

• Smaller brand footprint than major competitors

Does The Credit People Actually Work? 

The Credit People is a top-ranked credit repair service that has successfully removed nearly 1.5 million negative items. It estimates that the typical user experiences a 50- to 100-point increase in credit score and guarantees results within 60 days. 

However, no company, including The Credit People, can guarantee specific outcomes or remove accurate missed-payment reports or other negative marks. 

Is The Credit People Legit?  

The Credit People is a legitimate business with decades of history. It is CROA-compliant and holds a perfect A+ rating from the Better Business Bureau (BBB), with customers lodging just five complaints in three years, two of which The Credit People have resolved in the last 12 months. 

User Reviews and Reputation 

The BBB’s excellent rating does not factor in customer reviews, which give The Credit People just 1.75 out of five stars after 20 reviews. Its standing on Trustpilot is equally bleak, with an average of 1.8 stars from 16 reviews. 

However, customers give The Credit People much better marks on BestCompany, where it holds a 4.2-star rating, with many more customers — 340 — leaving reviews.

The Credit People vs. Competitors 

Research the following competitors before you sign up for The Credit People’s services.

The Credit People vs. Lexington Law

Lexington Law is one of the few credit repair companies that takes an attorney-led approach, backed by a full law firm. It charges one flat rate of $139.99 per month and typically handles more complex issues. 

The Credit People vs. Sky Blue Credit

Sky Blue Credit spreads its services across three monthly price tiers: $79.99, $109.99 and $139.99, depending on the number of premium features you need. The company offers a 90-day money-back guarantee. 

The Credit People vs. Credit Saint

Credit Saint has three price tiers: $79.99, $109.99 and $139.99 per month, plus initial work fees range from $99 to $139.99. Its work comes with a 90-day money-back guarantee. 

The Credit People vs. CreditRepair.com

CreditRepair.com conducts disputes, challenges, removals and other common credit repair services for either $49.99 or $119.95, plus a first-work fee of up to $119.95.

The Credit People vs. Credit Firm

Credit Firm is the industry’s leading budget credit repair company. It provides many of the same services as The Credit People and its direct competitors, but for a flat rate of $49.99 with no start-up or hidden fees. 

Who Should Use The Credit People? 

Budget-conscious consumers with straightforward dispute requests — especially those who can commit to a six-month term — might benefit from The Credit People's flat-fee option. Those with more complex cases or customers seeking quick, cheap action might find one of several competitors to be a better fit.

How to Cancel The Credit People 

To cancel your service, call (866) 810-2054 or send a cancellation request to [email protected]. Month-by-month customers who are unsatisfied won’t be billed for the month they cancel. Flat-rate customers enjoy a satisfaction guarantee for the full six-month term.

Frequently Asked Questions 

Is The Credit People a scam? 

No. The Credit People is a legitimate credit repair service with decades of industry history.

How long does it take to see results? 

The Credit People guarantees results within 60 days, although many see improvement within 30 days. 

What's the difference between monthly and flat-fee plans? 

The two monthly plans cost $99 or $119 per month, with the second offering more premium features. A third option is a six-month plan that includes all of the premium program’s offerings for $599, a $115 discount.

Is there a money-back guarantee? 

Yes. The Credit People offers a money-back guarantee that refunds the equivalent of two months’ payments to any unsatisfied customer.

Can I dispute items myself for free?

Yes. Federal law gives everyone the right to dispute inaccuracies on their report and challenge the bureaus to remove them for free.

Key Terms

• Credit repair: A service that helps you dispute inaccurate items on your credit reports. It cannot legally remove negative information that is accurate and current.

• Credit report: A statement with details about your credit activity and current credit situation, including payment history and account status.

• Credit score: A prediction of how likely you are to repay a loan on time, based on information in your credit reports.

• Credit bureau: A company, also called a credit reporting company, that collects information and creates credit reports lenders and others may use.

• FICO Score: A three-digit credit score based on your credit reports that helps lenders gauge how likely you are to repay borrowed money.

Sources:

• Consumer Financial Protection Bureau: What is a credit report?

• Consumer Financial Protection Bureau: What is a credit score?

• Consumer Financial Protection Bureau: What is a credit reporting company?

• Federal Trade Commission: Fixing Your Credit FAQs

• myFICO: What is a FICO Score?

Summary generated by AI, verified by MoneyLion editors