In-Depth Analysis

The Credit People Review

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Written By
Julija A.
March 07, 2022
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

It’s a bird! It’s a plane! No, it’s not Superman, it’s The Credit People! These self-proclaimed credit repair superheroes have spent nearly 20 years 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.

$79 /month

Free evaluation: Yes

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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.

$79 /month
45-60 days
pros thumb up Strengths
  • Affordable prices
  • Unbeatable satisfaction guarantee
  • Low-cost trial
  • Speedy service
  • 24-hour account access
  • Goal-oriented services
  • No additional fees
  • Couples discount
pros thumb up Weaknesses
  • Incomplete knowledge base
  • C+ BBB rating


The Credit People’s story began in 2001. Since then, the company’s satisfied customer base has grown to a whopping number of more than a hundred thousand. This is, most likely, the product of low prices coupled with goal-oriented services.

None of these would be possible without The Credit People’s professional teams, each of them focusing on their specific area of expertise in order to provide you with the best credit repair services possible. At credit, 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 Credit People’s website is filled with jokes, the results it offers are no laughing matter. According to The Credit People’s case study, customers can expect a 32% average increase in credit scores, enabling them to get approved for auto and home loans, new credit, and refinancing.

How does The Credit People compare to other credit restoration companies?

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The Credit People




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Lexington Law




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What You Can Expect from The Credit People

The Credit People’s services are:

  • 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 very few do it 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 scores without knowing what they are or what is keeping them at an unsatisfactory number.

Above and beyond credit reports: This is among the top credit repair services included in The Credit People’s pricing packages. It means that the bigger picture is taken into account and that you’ll receive help regarding all situations concerning 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 many other scenarios.

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 using The Credit People client login option, which is located in the top-right corner of the credit website.

Unlimited disputes: With unlimited disputes at your disposal, all you have to do is sit back and watch the unflattering notes disappear from your credit history. Some of the items that The Credit People’s thorough cleanse can remove are:

  • Late payments
  • Collections
  • Charge-offs
  • Bankruptcies
  • Repossessions
  • Foreclosure
  • Tax lines
  • Identity fraud
  • Student loan
  • Judgments

Debt validations: You have a right to request that your creditor provides proof that you owe a debt, but only within 30 days of the creditor’s initial contact with you, and not over the phone. The Credit People review your circumstances and determine whether there are grounds for validation and, if so, 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 shouldn’t be avoided. 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 a person’s needs 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 is a possible scenario, as the initial investigation that the three credit bureaus conduct isn’t very extensive.

It usually comes down to them 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 are entitled to. But what if you’re not sure whether this company is the right fit for you or you’re just browsing the internet in search of answers to your credit repair questions? The Credit People’s credit repair services also include three free options:

  • Free consultation
  • Downloadable guide
  • Credit resource center

Free consultation: As soon as you click on The Credit People’s 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 Credit People’s credit repair experts.

The Credit People reviews are filled with praise for the company’s customer support representatives regarding their friendliness, the speed at which they respond, and their overall knowledge of the matters at hand.

Credit resource center: You can find articles, videos, infographics, and more in The Credit People’s resource center. The content here is highly informative and created with 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 an empty page.

Downloadable guide: By entering your name and email address, you can receive a free “Secrets to Great Credit” guide, which 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 affordable prices. Along with these, this credit repair service also offers a generous satisfaction guarantee.


The Credit People’s starting price is only $19. No, we didn’t make a typo, and you aren’t reading it incorrectly. The Credit People is a credit repair service that actually has a trial period. During one week, for that low cost of $19, you’ll get all the services included in the regular packages. Once you make your payment, you’ll receive a welcome call, a personal account, and your credit scores and reports.

It goes without saying that you won’t see any improvements in your credit within a single week, but you’ll be able to see how the company works. During this time, you can decide whether its evaluation of your credit history and plans for getting you a better credit score seem satisfactory.

The Credit People Packages

If you’re satisfied with the service, you’ll be able to extend it for just $79 per month. The credit repair strategy developed by The Credit People’s experts should yield monthly results. You can cancel any time without any risks or complications.

People who’d like to save even more money can opt for the flat-rate package of $419 paid every six months. By choosing this payment plan, you’ll pay $55 less over that half-year period. Unfortunately, if you decide to review The Credit People by using the one-week-trial, you won’t be able to select the flat-rate membership.

Couples Discount

Those of you who thought the prices couldn’t get any lower will be surprised to learn about The Credit People’s 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 – you’ll have three full 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

It wouldn’t be wrong to say that The Credit People’s services offer the best value in the credit repair industry. Most credit firms will sound great and budget-friendly, but when you begin to do business with them, you discover many additional, hidden fees.

The Credit People’s customers know that what you see is what you get with this company. 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-$30
Starting credit scores Included $24
Ongoing updated credit reports Included $10-$30

Money-Back Guarantee

Even if the prices are cheap, the services of 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.

If within 60 days you don’t see any changes in your credit reports or are unhappy with any aspect of The Credit People’s assistance, you have the option of canceling and getting a refund. You will not only be reimbursed for the last month’s fee, but you‘ll also be exempt from the following month’s payment.

Speed of Service

Financial situations are like snowflakes; no two are alike, and as such the time needed for credit reparation isn’t set in stone. The Credit People reviews from past and present customers report that, in most cases, they’ve seen results within the first 45-60 days.

Nevertheless, if you happen to fall 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.

The Bottom Line

There’s no doubt that The Credit People is a reputable company that offers high-quality solutions for repairing your credit. However, you won’t find this particular credit firm by looking at the best credit repair companies on the BBB. That’s because it possesses a not-so-fantastic C+ rating.

This rating might appear a lot more negative than it actually is, since we suspect that a significant number of points were taken away from The Credit People’s score because the company isn’t BBB-accredited. We can understand that, as some companies simply want to let their work speak for themselves without having to pay for the approval of rating websites.


Can you pay someone to fix your credit?


Yes, you can. To pick the best credit repair service, you might need to do some research first. Make sure to do a thorough cost-benefit analysis. If you’re looking into repairing your credit scores because you’re in a difficult financial situation, the last thing you need are unnecessary expenses. The Credit People’s pricing packages are among the most affordable on the market. 

How do you fix someone's credit?


Firstly, to fix someone’s credit, you have to review their credit reports and dispute incorrect or derogatory information listed on them. The following steps get more and more complicated, and some may even have bad consequences if handled poorly or implemented at the wrong time. That’s why hiring a professional credit repair service might be your best move.

How much do people charge for credit repair?


The cost of credit repair is usually between $79 and $129 per month. This doesn’t include the first work fee that most credit restoration companies also charge. If you don’t want to spend any money and you have the time and patience, you can improve your credit by yourself. Keep in mind that it’s harder than it looks and, of course, not very fun.

What is the best credit repair service?


There are plenty of good credit repair services to choose from. For those looking for a budget-friendly option, we recommend The Credit People and its $79 monthly membership. Another solid choice would be Credit Saint with almost the same monthly price, but with an added first work fee of $99.