the credit people review company logo

Monthly Fee


$79 per month

Additional Fees


$19 initial fee

Credit Evaluation



Service Speed


60 days

Editorial Rating

The Credit People Review

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Monthly Fee


$79 per month

Additional Fees


$19 initial fee

Credit Evaluation



Service Speed


60 days

In Business Since



BBB Rating



Guarantees / Warranty


6 month satisfaction guarantee (if you opt for flat fee pricing)




the credit people review company logo

Editorial Rating

Having bad credit or bad credit history can seriously affect you financially. People with bad credit tend to pay higher interest rates for auto loans, mortgage loans, student loans, and credit cards

That’s where The Credit People come in — the company have helped over 100,000 people in the US improve their records and raise their credit scores. But is it the right choice for you? The Credit People reviews like ours can help you find out. 

This The Credit People review in particular will highlight the key strengths and weaknesses of the platform and explore the reasons why this company is considered to be one one of the top credit repair companies.

What Is The Credit People Best For?

The Credit People is essentially a credit manager, the company reviews your credit record and afterwards disputes any questionable items on your credit record on your behalf and addresses the things they believe can help raise your credit score.

The Credit People service was made for consumers that need to make big purchases, like buying a house, and are looking to pay the lowest mortgage rates possible without exorbitant interest fees. It’s also great for people that generally want to improve their credit and get it to a better place.

Keep in mind though that The Credit People does not offer a debt consolidation service, so if you are considering debt consolidation loans, you would have to contact a specialized lender.

The Credit People Application Process

The application process is fairly easy. The first step requires your first and last name, verifiable email address, and phone number. You will then need to enter your payment information and select the membership package you’re interested in. 

The Credit People only has two types of plans — a monthly pay-as-you-go membership and a flat rate, six-month membership.

Once you’ve created an account and become a member, the firm will send you credit reports from all three major credit bureaus for free along with The Credit People credit score. You will also have 24/7 access to an online dashboard using your Credit People login credentials, that allows you to track the progress of your credit and the updates made to it. 

The Credit People Services

The Credit People doesn’t just give you access to your credit report, it also provides multiple services to work towards repairing your credit.

Credit disputes

The Credit People will obtain your credit record, including your FICO score, from all three major credit bureaus and get to work removing negative items from the record, verifying and correcting credit issues, and exploring other avenues and legal loopholes to raise your score. 

Credit consultation

The Credit People have spent an enormous amount of time and money building an online dashboard and The Credit People app that provides customers with a Credit People login and allows them to track the progress of, and updates, to their credit and the ability to connect with a consultant in the case of questions along the way. 

Credit analysis

Because no two credit reports are the same, looking at what’s affecting someone’s credit score and how it can be improved requires special attention.

Credit management

The Credit People provides plenty of educational material on their website, covering issues such as how to read and understand your report, what a soft and hard inquiry is, etc. Once The Credit People has improved your score, they create a future plan, including how to pay down credit card balances so you can improve payment history.

The Credit People Cost

Most credit repair companies use the “pay-per-deletion” pricing option where customers pay to have items removed from their credit records. The Credit People plans, however, offer monthly/fixed packages. The Credit People prices are as follows:

Monthly Membership

The monthly membership is on a pay-as-you-go basis and for $79 per month, you get unlimited disputes, 24/7 account access, communication with an allocated creditor, and toll-free customer service. You also have the option to cancel whenever you want. 

Flat-Rate Membership

The flat rate membership package is a once-off payment of $419 for six months worth of service. It offers the same credit repair services with a 100% satisfaction guarantee.

Each membership plan includes a one-time setup fee of $19 and The Credit People offers a service discount to couples specifically. 

The Credit People Customer Support

If you have questions about The Credit People or the credit repair process, their website features a pretty comprehensive FAQ section.

If you are in need of customer support, you can contact The Credit People at their offices in Chicago, Florida, and Utah via phone or fax. You can also contact them via email for questions and comments or feedback.

Fans of snail mail can send them letters to their corporate address in Utah:

The Credit People

6975 S Union Park Avenue

Suite 600

Cottonwood Heights, UT 


The company is pretty responsive by phone and email, a barrage of The Credit People reviews from users can vouch for how helpful and courteous they are.

The Credit People User Reviews

We looked through several credit repair customer reviews to get a sense of how users feel about this particular credit repair website. We mostly researched The Credit People reviews from 2020 for an up-to-date picture of the company.

It’s interesting to note that reviews on credit repair are generally mixed and The Credit People is no different.

Customers have both praised and have complained about the same things — responsiveness, customer service, and progress of credit repair (or lack thereof).

The Positives

A large number of positive The Credit People reviews were results-driven, The Credit People did what they said they would — they removed negative items on their record and helped increase their credit scores.

Clients praised how affordable the service is and how easy it is to work with their customer reps in their reviews. In addition, clients were satisfied with the excellent response times.

The Negatives

We also read through several negative The Credit People reviews, the company have a C+ rating on the Better Business Bureau, which is low compared to other credit repair BBB accredited companies, and there are six The Credit People BBB complaints. 

The most common The Credit People complaints are from people that saw no results from the service. In fact, some users complained that The Credit People’s credit disputes caused their credit scores to drop even though The Credit People promises no risk and guaranteed satisfaction. 

We looked for The Credit People reviews on Reddit, without much luck. 

Our Verdict

This The Credit People review shows that the company has very affordable, and flexible, pricing options.The Credit People also offer a 6-month satisfaction guarantee on the flat fee plan.

We recommend The Credit People for consumers with simple and straightforward credit problems as the company provides very the basics of credit repair. Additionally, it offers a wide range of educational materials on the website, so customers can learn good credit habits. 

Alternatives of The Credit People

As part of our The Credit People review, we looked at how the company stacks up against some of its competitors. 

The Credit People vs Sky Blue Credit

Sky Blue Credit Repair is one of the top credit repair companies in the industry and probably one of the more streamlined of the credit cleaners. Sky Blue certainly provides the most user-friendly experience of all the credit helpers and for $79 per month, customers can get every credit repair feature like score assistance and credit rebuilding without the hassle of costly upgrades.

Sky Blue Credit also gives customers the option to pause and resume their membership whenever they want and even select their own billing date, all with the click of a button. Much like The Credit People, Sky Blue Credit also provides a special discount for couples — half price for the second member. 

The Credit People vs Ovation Credit

Ovation is one of the newer credit repair companies but what they lack in experience, they more than make up for in outstanding service. Ovation also provides additional credit management services like credit education and credit monitoring. 

Ovation has two price plans — Essential for $79 a month and Essential Plus for $109 a month. Both plans are fully customizable and pack tons of features to address specific concerns without charging for unnecessary extras.

Wrap Up

The Credit People reviews, ours included, show that this is one of the best credit cleaners on the market, they’re affordable enough to not put a dent in your budget and experienced enough to get the job done.


  • Certified FCRA
  • Couple discount
  • Affordable pricing
  • Free credit consultation
  • 15+ years of experience
  • Free credit guide with email signup
  • 24/7 online access to repair progress


  • $19 set-up fee
  • Limited package options
the credit people review company logo

Editorial Rating

FAQ about The Credit People

What is The Credit People?

The Credit People is a credit repair company that helps people improve their credit rating and raise their score.

Is The Credit People legit?

Yes. The Credit People has been around since 2005 and has helped over 100,000 people repair their credit.

Is The Credit People safe?

While there is no such thing as flawless security on the internet, The Credit People takes all the reasonable steps to ensure the safety of your personal information.

What is the best credit repair company?

Picking the best definitive credit repair is a difficult task but Credit Saint, Ovation, Sky Blue, and Lexington Law all regularly appear on lists with the best credit repair services.