The Credit People Review for 2026
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The self-proclaimed credit superheroes, The Credit People, have spent over two decades helping people get out of tough credit-related situations.
Read on to find out how this credit repair company’s superpowers can help you make your credit reports spick and span.
Unlimited challenges.
Fortunly Rating
Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.
Strengths
- Affordable prices
- Satisfaction guarantee
- Low-cost trial
- 24-hour account access
- Goal-oriented services
- No additional fees
- Couples discount
Weaknesses
- Incomplete knowledge base
- C+ BBB rating
The Credit People Overview
The Credit People's story began in 2001, and the company’s current site emphasizes a 20+ year track record. It also says its customers have had 1,493,678 credit issues removed and that thousands of people continue to sign up every month.
None of these would be possible without The Credit People’s professional teams, each focusing on their specific area of expertise in order to provide you with the best service possible.
On the website, these services are compared to those of a swat team’s – trained and efficient experts ready to come to the rescue when needed.
Although the platform is filled with jokes, the results it offers are no laughing matter.
According to The Credit People, customers may see estimated score gains of 50 to 100+ points in some cases, although the company makes clear that these figures come from a select case study and that results vary.
How The Credit People Compares to Other Credit Restoration Companies
From $99/month
Yes
$79 per month
No
$79 per month
Yes
What You Can Expect From The Credit People
The Credit People’s services include the following:
- Free credit reports and scores
- Above and beyond credit reports
- 24-hour account access
- Unlimited disputes
- Debt validations
- Creditor communication
- Customized credit priorities
- Escalated disputes
Free credit reports and scores: Providing these is a service that many credit repair companies offer, but only a few do so free of charge.
When you think about it, it makes perfect sense for credit repair companies to take care of that for you, because you can’t begin to clean up your credit score without knowing what it is or what is keeping it at an unsatisfactory figure.
Above and beyond credit reports: This is one of the better credit repair services that’s included in the company's pricing packages. It means that the bigger picture is taken into account and that you’ll receive help regarding all situations related to your credit.
Aside from removing negative or incorrect marks from your credit reports, you can count on The Credit People to help lower your interest rates, confirm to your employers that you’re working on your credit, and assist in other situations.
24-hour account access: The changes made to your credit reports shouldn’t be a mystery to you, which is why The Credit People’s online dashboard exists. To monitor your progress, you just have to access your account.
Unlimited disputes: With unlimited disputes at your disposal, all you have to do is sit back and watch the unflattering items disappear from your credit history. Some of the items that can be removed in this manner are:
- Late payments
- Collections
- Charge-offs
- Bankruptcies
- Repossessions
- Foreclosures
- Tax liens
- Identity fraud
- Student loans
- Judgments
Debt validations: You have the right to request proof from your creditor that you have debt, but only within 30 days of the creditor’s initial contact with you and not over the phone. The company will review your circumstances and determine whether there are grounds for validation. If there are, the company will send the letter on your behalf.
Creditor communication: When you’re having financial difficulties, the last thing you want to do is spend time talking to your creditors. However, creditors are sometimes willing to help, and occasionally reminding them of your rights can make a world of difference, so communication with them is key. If you still don’t feel like picking up the phone, you can safely leave it up to The Credit People.
Customized credit priorities: No two people have the same plans or goals for their future, nor do they have identical financial situations. Developing a good credit repair strategy in accordance with your needs and learning what to avoid when you’re attempting to boost your score is vital for achieving the desired results.
Escalated disputes: Imagine identifying a ton of errors on your credit reports, disputing them, and then watching on as absolutely nothing happens. This scenario is possible, as the initial investigation that the three credit bureaus conduct isn’t very extensive. It usually comes down to the bureaus asking the creditors and reporting companies to provide a modest amount of evidence.
Consequently, the untrue information remains on your reports. The Credit People can help you escalate disputes by sending additional information to back up your claims.
Additional Free Services
In the section above, we’ve listed all the services that The Credit People’s paying customers have access to. But what if you’re just browsing the internet in search of explanations on how credit repair works and which company best suits your current needs?
It’s good to know that the credit repair services also include three free options:
- Free consultation
- Downloadable guide
- Credit resource center
Free credit consultation: As soon as you click on website, a small superhero-like figure will fly out of the bottom-right corner. Its role is to present you with the opportunity to contact the company's credit repair experts. The company heavily promotes a free consultation with no obligation and directs visitors to call 866-382-3410 or use the online contact form.
Credit resource center: You can find articles, videos, infographics, and more in the resource center. The content here is highly informative and created in the same humorous tone as the website itself.
The only downside is that this knowledge base seems to be incomplete. While going through the content, you’ll frequently click on something that will lead you to a blank page.
Downloadable guide: By entering your name and email address, you can receive a free “Secrets to Great Credit” guide. The guide contains clarifications regarding credit reports and scores, tactics and tips used by the top-rated credit repair companies in the business, and even a few action plans for those who’d like to try their hand at credit clean-up.
Price and Guarantees
The Credit People’s main selling point is its affordability. This credit repair service also offers a generous satisfaction guarantee.
Packages
There are three main options to choose from here: Standard at $99 per month, Premium at $119 per month, and a Premium Flat Rate plan at $599 for six months.
The Standard plan is the lower-priced monthly option, while Premium is positioned as the more advanced pay-as-you-go service. The flat-rate package is designed for customers who would rather pay once for six months instead of continuing on a monthly basis.
The company also highlights several features across the service as a whole, including all three bureaus being challenged, unlimited challenges, starting scores from all three bureaus, monthly refreshed reports and scores, creditor interventions, and escalated disputes and validations.
Couples Discount
Those of you who thought the prices couldn’t get any lower will be surprised to learn about discount for couples. Upon completing your order, you can sign up your spouse and have $20 taken off each of your first payments.
In case you forget to do it right after you’ve completed your sign-up, fret not as you’ll have three days to take advantage of this deal. Keep in mind that only customers who have chosen the monthly package are eligible for this discount.
No Additional Fees
Most credit firms sound great and budget-friendly, but when you start doing business with them, you discover many additional, hidden fees.
Other credit repair companies may charge extra for services that are essential for the credit repair process, but not this one.
| Services | The Credit People’s package | Other companies |
| Starting credit reports | Included | $10 to $30 |
| Starting credit scores | Included | $24 |
| Ongoing updated credit reports | Included | $10 to $30 |
Money-Back Guarantee
Even at such affordable prices, the services provided by The Credit People are worth the money only if they produce the expected credit improvements. The Credit People’s satisfaction guarantee shows that the people running the firm are aware of that.
The company says that month-to-month customers will never pay for anything they are not happy with and can cancel at any time without being charged for that month of service.
For customers who choose the flat-fee option, it says there is a full six-month satisfaction guarantee.
Speed of Service
Financial situations are like snowflakes; no two are alike, which is why the time needed for credit repair isn’t set in stone. According to customers, in most cases, they’ve seen results within the first 45 to 60 days.
Nevertheless, if you happen to be among those few people who don’t see any improvement during that time, we suggest not giving up right away since credit repair can be a tricky process.
At times, the delay might not have anything to do with your credit repair service. Instead, the creditors or the credit bureaus could be taking their sweet time for no good reason.
Customer Support & User Satisfaction
The Credit People lists phone support and publishes an email contact on its pricing and contact pages. Its contact page also lists a corporate address in Cottonwood Heights, Utah, and says the company has offices in Chicago, Florida, and Utah.
When it comes to customer sentiment, there is a limited amount of information online, and the company holds a weak 1.8/5 rating on Trustpilot, albeit from just 16 reviews.
Our Verdict
There’s no doubt that The Credit People is a reputable company that offers high-quality solutions for repairing your credit.
The stronger takeaway today is that The Credit People remains a competitively priced credit repair service with unlimited challenges, a generous satisfaction guarantee, and solid online-account access.
FAQ
How long does The Credit People take to show results?
The company says the majority of customers see credit responses within the first 45 to 60 days.
Does The Credit People offer a guarantee?
Yes. Month-to-month customers can cancel at any time and will not be charged for that month of service if they are not satisfied, while flat-rate customers are covered by a six-month satisfaction guarantee.