The Credit People Review 2023: Will They Improve Your Credit Score?

Updated: March 28, 2023

Written by Eddy Ballesteros Personal Finance & AI Expert: Learn More

Are you looking for a credit repair company that's really looking out for the people?

In this review, we'll find out if The Credit People are really in the best interest of credit consumers. They say they have been helping people with bad credit get back on track since 2004 with a 4.5-star rating.

So what makes them so great and should you really hire them for credit repair?

Let's find out together on The Credit People Review.

The Credit People Overview

The Credit People is a top credit repair business that has removed over 1 million credit issues for their customers. They offer a money-back guarantee so if you don’t see results within 60 days of signing up, they will refund all of your money. No questions asked.

Our Top Choice
The Credit People: Best Credit Repair Service The Credit People: Best Credit Repair Service
Get started today for just $19!

Credit is a tricky thing to manage. But with The Credit People, you can rest easy knowing that all aspects of your credit will be taken care of and handled professionally!

  • Free Credit Monitoring
  • Unlimited Disputes
  • Access To 24/7 Online Portal
  • Affordable Credit Repair
We earn a commission if you make a purchase, at no additional cost to you.

What Is The Credit People?

The Credit People is an affordable credit repair service that provides credit restoration. They specialize in disputing the negative or incorrect items from your credit report.

The Credit People Reviews

Depending on your situation, they send letters to the 3 major credit bureaus or to the credit agencies that are in charge of your debt. As one of the top credit repair companies, they have experience in dealing with a wide range of issues from inaccurate credit reports and subprime debts to bankruptcies and foreclosures.


  • Free credit report monitoring
  • Get updates on your credit scores
  • Certified Fair Credit Reporting Act
  • Solid better business bureau rating

  • Charges a first fee
  • Doesn't provide identity theft protection

How The Credit People Works

Similar to other credit repair companies, their service aims to help you raise your credit score by using the power of the fair credit reporting act and creating a detailed breakdown of your credit report.

Once they have contacted the bureaus or collection agencies, their team of experts will then keep you updated through your online portal.

Yup, you get your very own online account to monitor your progress.

You'll also receive letters in the mail regarding your dispute results. You can upload the documents to your online account or just verify that it has been updated.

How To Get Started

Their signup process is very simple and you can either register online through their website or speak to a credit rep to go over the pricing plans.

(Hint: They offer very affordable plans.)

The good thing is, credit monitoring is already built into the credit repair package so you'll be able to save money from that alone. You can see why they have so many great customer reviews!

The Credit People How It Works

If you sign up online, a credit specialist will get in contact with you as soon as possible to go over your credit report and start the restoration process.

The Credit People Pricing

The Credit People offers a custom-tailored plan that includes two options. Pricing starts at $79.99 per month or you can choose to pay just one time for the year, which is only $419!

With the monthly payment plan, you pay as you go. You're not stuck in a long-term contract and you can feel comfortable with their money-back guarantee. 

Now with the flat rate membership, you save $74 and get a complete 6-month service. That's a $12 savings per month!

Plus, as a member, you're able to access your member's dashboard through The Credit People's website which includes all of your credit reports and scores.

The Credit People also offers a 100% satisfaction guarantee on all services. So if for any reason you're not happy with The Credit People, they will refund your money, no questions asked.

Do They Offer A Couple's Discount?

Yes, of course, they offer a discount for couples!

The only problem is that the credit repair discount does not qualify for the flat rate membership. Only for the monthly membership since you are already saving.

The Credit People Services

The Credit People will take care of you throughout the credit repair program so that you can improve your overall credit rating.

In addition to providing free consultations and monthly follow-ups, they will also help you identify potential solutions for improving your credit score.

Once you signup and provide your credit report, you will not have a single thing to do on your end. The Credit People will follow up with you and provide you with an updated credit report.

What Do You Get When You Enroll?

  • Unlimited disputes
  • The best customer service
  • Help beyond credit reports
  • Satisfaction guaranteed
  • Debt validation procedures
  • No hidden fees
  • Overall of the entire process
  • Initial credit reports
  • Monthly credit monitoring
  • What Can Be Removed?

    The Credit People will help you with:

  • Late payments
  • Student loans
  • Bankruptcies
  • Collections
  • Medical debt
  • & much more
  • It's important to note that they will do their best while also striving to follow the FCRA and other regulations.

    Is The Credit People Legit?

    Yes, The Credit People is a completely legitimate and reputable credit repair company.

    They have very positive reviews online which you can search online. It's due to their flat-free pricing and simple registration process.

    The Credit People's Reviews

    Are They A Scam?

    No, they are not a scam and provide quality credit repair services. You can speak to a representative right on the website and view their transparency.

    The Credit People's contact number is 866-382-3410.

    The Credit People's Alternative

    Although they offer affordable services, you may be looking for a more comprehensive credit repair solution. In this case, here are some great alternatives.

    • The Credit Pros
    • Lexington Law
    • Credit Saint
    • Ovation Credit

    Whether you're looking for a more affordable solution or a more comprehensive one, any of the above credit repair services will be able to help you out. Remember to always do your research before choosing a service, and read customer reviews to get an idea of what to expect.

    How To Start Your Own Credit Repair Business

    Starting your own credit repair business is easier than you think.

    You can learn how to fix the credit report errors of others and provide them with a second chance at a debt-free life by helping their scores improve.

    The best and easiest way to start your credit repair company is by using professional credit repair software. Most of this software is designed with all of the necessary features you need, including marketing tools that will help grow traffic flow in no time at all!

    The best credit repair software to get started with is Credit Repair Cloud.

    The Credit People Conclusion

    The Credit People have been in the business for a long time and have a reputation for being an honest, affordable company. I recommend their services if you need to clean up your credit score.

    I hope after this review, you have a much better idea of what to expect from the Credit People.

    About the Author

    Eddy Ballesteros

    AI & Marketing Nerd

    Eddy is an AI, SEO, and personal finance blogger who uses and tests products to help others improve their lives through AI and financial literacy. With years of experience in online business, he deeply understands the latest AI and SEO trends. Eddy is also well-knowledged in personal finance and committed to sharing his knowledge and expertise with his readers.