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The Credit People Credit Repair Review
By Cassidy Horton MONEY RESEARCH COLLECTIVE
Do you have bad credit? Have you been struggling to get it fixed? If so, you may want to check out The Credit People — a credit repair company that offers unlimited disputes and free credit monitoring for one flat price. In this Credit People review, we’ll take a closer look at how it works and why it’s considered one of the best credit repair companies out there.
Table of Contents
- The Credit People’s Services
- The Credit People’s Credentials
- The Credit People’s Accessibility
- The Credit People’s Customer Satisfaction
The Credit People Credit Repair Overview
- Unlimited disputes
- Discounts for couples
- Free credit monitoring
- Good money-back guarantee
- You aren't assigned an individual case worker
- No mobile app
- Limited plan options
- Very few customer reviews online
The Credit People is a credit repair company that’s been in business since 2001. Over the last two decades, it has removed more than 1,493,678 erroneous entries from its customers’ credit reports, allowing them to get approved for auto loans, home loans, new lines of credit, and refinancing.
You’ll typically begin to see results within two months of service, or anywhere from 45 to 60 days of enrollment. However, the exact time frame depends on the severity of your situation. And because the company can’t guarantee results, there’s always a chance you won’t see any improvements at all.
The Credit People’s Services
If you sign up for The Credit People’s services, they’ll work on your behalf to remove inaccurate items from your credit report. This can include negotiating deletions with credit bureaus and working to remove late payments, collections, charge-offs, and more.
What they offer
The Credit People works with the three credit reporting agencies — Experian, TransUnion, and Equifax — to remove these items from your credit report:
- Late payments
- Collections
- Charge-offs
- Bankruptcies
- Repossessions
- Foreclosure
- Tax liens
- Identity fraud
- Student loan and credit card issues
- Judgments
- Incorrect personal information
- Negative settlements
- Closed accounts
The Credit People offers these benefits with every membership plan:
- A customized list of credit priorities (based on your goals)
- Unlimited credit disputes
- Escalated disputes
- Debt validations
- Creditor interventions
- Satisfaction guarantee
What they don’t offer
There are a few things The Credit People can’t do:
- Can’t settle student loan debt: As with most credit repair companies, The Credit People can’t settle student loan debt on your behalf. However, it will work to remove any late student loan payments from your report.
- Limitations for bankruptcies, foreclosures, and repossessions: While The Credit People makes every effort to clear repossessions, foreclosures, and bankruptcies from your credit report, these items are often among the most difficult to remove. It currently has a 30% success rate for bankruptcy removals.
- Can’t remove accurate negative items: As with all credit repair services, The Credit People can’t remove accurate negative marks from your credit report — only the mistakes. This means there’s always a chance you could pay for the service and not see any results.
The Credit People credit repair cost
The Credit People has one set package of services, with the option to pay a monthly fee or all upfront. Here are how the membership packages break down:
| Monthly Membership | Flat-Rate Membership | |
| Price | $79 per month; $19 set up fee | $419 six-month flat rate |
| Benefit | Pay as you go | Save at least $60 when you pre-pay |
| Number of disputes | Unlimited | Unlimited |
| Satisfaction guarantee | Cancel anytime and pay nothing for that month’s service | Six-month satisfaction guarantee |
| Discount for couples? | Yes — you’ll each receive $20 off your first month | No |
The Credit People has one of the most straightforward pricing structures of any credit repair company we’ve seen. Unlike other companies, they don’t charge any hidden fees to access your credit reports or credit scores. It’s just one flat monthly payment and nothing more.
The Credit People’s Credentials
Credit repair agencies aren’t regulated as tightly as other financial services companies, which is why there are so many scams in the credit repair industry. That said, here’s a closer look at The Credit People’s credentials and ratings.
Licenses and registrations
The Credit Repair People doesn’t have any specific licenses or registrations. However, like all credit repair agencies, it’s regulated by The Credit Repair Organizations Act (CROA) — a federal law that makes it illegal for credit repair companies to make false claims.
Awards and certifications
The Credit People’s credit repair team is certified and trained on various credit laws. This includes the Fair Credit Reporting Act (FCRA), The Fair and Accurate Credit Transactions Act (FACTA), and the Fair Debt Collections Practices Act (FDCPA). This training ensures they have the proper knowledge needed to help fix your credit.
The company has also been featured in the Wall Street Journal, Smart Money, USA Today, and The New York Times, and it’s won awards as one of the best credit repair services according to Consumer Affairs, The Credit Review, and more.
Regulatory or legal actions
We couldn’t find any record of any pending lawsuits or government actions against The Credit People, which is a good sign for any consumers looking to enroll in its services.
The Credit People’s Accessibility
When you sign up for The Credit People, you’ll get access to an online account where you can review your free credit reports and scores and track The Credit People’s progress 24/7.
Availability
The Credit People is available in all 50 states. The only requirement to join is that you can afford the monthly payment. The company also has offices in Chicago, Florida, and Utah.
Contact information
There are four ways to contact The Credit People:
- Phone: 866-382-3410
- Email: questions@thecreditpeople.com
- Contact form: Fill out this contact form and a live agent will get in touch.
- Live chat: Inside your online account
The company also has an FAQ section on its website where you can search for top answers to common questions.
User experience
The Credit People’s platform is simple to use. It only takes a few minutes to set up your account. All you need is your email address, full name, and phone number.
Inside your online dashboard, you can view all of The Credit People’s activity and progress. You can also track your credit score and see how it’s improved over time.
Limitations
The biggest limitation with The Credit People is that it doesn’t have a dedicated mobile app. You can access your client dashboard online at any time from your computer, tablet, or phone. But you’ll need to go through the main website to log in.
The Credit People’s Customer Satisfaction
The Credit People is consistently rated one of the best credit repair companies for a reason. It has a strong track record for removing inaccurate negative items. However, as with all credit repair companies, results are never guaranteed. And as hard as the company tries, it can’t promise results.
With that in mind, here’s an overview of the customer complaints and third-party ratings found online:
Customer complaints
There are very few customer complaints and reviews online for The Credit People. Here’s a quick round-up of what we found:
- Better Business Bureau (BBB) customer reviews: The Credit People has a 2.23 out of 5-star customer rating based on 13 reviews. This isn’t a lot of reviews for a company that’s been in business for over two decades. As you’d expect, the negative reviews are from people who bought the service and didn’t see the results they were looking for. The good reviews are from people who saw a big enough credit boost to get whatever they were after — a mortgage approval, a new credit card, and so on.
- BBB customer complaints: The Credit People has received one complaint in the last year and 12 complaints in the past three years on the BBB. The company has resolved and closed all of these complaints, proving they’re willing to work with unsatisfied customers.
- Trustpilot: The company has a 2.8 out of 5-star customer rating on Trustpilot. These are based on three reviews. One review isn’t even for The Credit People. (The review was posted on the page by mistake.) The other two are complaints about The Credit People not being able to improve their score.
Third-party ratings
The only third-party ratings available for The Credit People are the BBB and Trustpilot scores mentioned above.
The Credit People FAQ
Are The Credit People legit?
Yes, The Credit People is a legit credit repair company. It's been in business for two decades and has helped over 100,000 people repair bad credit and remove nearly 1.5 million disputes from their credit reports.
According to the Credit People website,
- 78% of customers got approved for auto loans after using its services
- 71% got approved for home loans
- 81% got approved for new credit
- 74% got approved for refinancing
The site also claims it can boost customers' credit by 53 to 187 points. However, the fine print says these statistics are "based on a select case study performed by The Credit People. Results will vary." So take these numbers with a grain of salt.
How long does it take a credit repair through The Credit People?
It can take 45 to 60 days to see initial results from The Credit People. However, you may need to stick around longer if you have multiple or more complex credit issues.
The credit repair process is a long-term game, so be leary of companies promising quick results.
How do The Credit People restore bad credit?
The Credit People start by reviewing your credit report to see what could be improved. Then, they get to work contacting each of the credit bureaus to remove inaccurate items and clean up your credit history.
The Credit People website says they use a unique "Score-Driven Results" process to fix your credit — but they aren't very clear on how this process differs from that of other companies. The entire point of using a credit repair company is to drive up your credit score, so this "unique process" could just be marketing fluff.
How does The Credit People work?
Working with The Credit People is a straightforward process.
- You call 866-382-3410 or fill out the form on the Credit People website to set up your free consultation. During this call, you discuss your credit goals — whether it's buying a house or simply reaching "good credit" status.
- If you want to move forward, the company gathers your current scores and credit reports and works on improving them. This could include removing late payments, charge-offs, collections, and more.
- You get access to an online account where you can track the company's progress over time. They also notify you every time they've successfully removed an inaccuracy or made a positive change to your credit score.
You continue working with The Credit People until your credit score is how you want it. At which point, you can cancel at any time.
How We Evaluated The Credit People Credit Repair
When evaluating The Credit People, we looked at its reputation and track record and compared it to leading companies. This meant digging into factors like pricing, credit repair services, and availability to see where it stood out from the competition and where it fell flat.
Summary of Miami Herald’s The Credit People Review
If you’re looking for a reputable and experienced credit repair company to help you improve your credit score, The Credit People is a great option. They have a long track record of success, unlimited disputes across all their pricing tiers, and a satisfaction guarantee — so you can be confident you’ll be in good hands.
To see if The Credit People is right for you, compare it to other best credit repair companies before you make a decision.
Cassidy Horton is a finance writer based in Seattle, Washington. With an MBA and a bachelor's in public relations, her work has been published over a thousand times by The Balance, Finder.com, Money Under 30, Clever Girl Finance, and many more. Cassidy is a self-confessed money nerd who’s passionate about helping people find financial freedom. Oh, and she really loves cats.