The Credit People Review 2024: Will They Improve Your Credit Score?

Written By Eddy Ballesteros

Updated on: February 7, 2024
Credit People Review

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Are you looking for a credit repair company that's 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 great, and should you 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.

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 the credit agencies in charge of your debt. This process will help you build credit and remove incorrect items from your credit report.

As one of the top credit repair companies, they have experience dealing with various 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

Like 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.

They offer an easy-to-use credit repair app that can allow you to track your results.

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 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 that credit monitoring is already built into the credit repair package, so you can 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 contact 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. 

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 can access your member's dashboard through The Credit People's website, including all your credit reports and scores.

The Credit People also offers a 100% satisfaction guarantee on all services. So if you're unhappy 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 free consultations and monthly follow-ups, they will help you identify potential solutions for improving your credit score.

Once you sign up and provide your credit report, you will have nothing to do. The Credit People will follow up with you and provide 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
  • A copy of your credit history

What Can Be Removed?

The Credit People will help you with almost every part of the credit repair process, including:

  • 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 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 seek 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 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 the necessary features you need, including marketing tools that will help grow traffic flow in no time!

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

[lasso ref="credit-repair-cloud-link" id="5693" link_id="55380"]

The Credit People Conclusion

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

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

About the Author Eddy Ballesteros

Welcome to Credit Plush! Credit is something I'll always enjoy writing about. I've helped many people improve their credit scores and start their credit repair businesses.